# KB Pay vs 신용플러스

The clearest difference is ads: 신용플러스 at none against KB Pay's shown. 신용플러스 also leads on monetization model (free vs free with in-app purchases) and review sentiment (67% vs 54%). KB Pay's advantage is update cadence (every 2 weeks vs every 21 months). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

KB Pay ships an update every 2 weeks, 신용플러스 every 21 months. The most recent releases landed on October 17, 2026 and September 29, 2026 respectively.

## The numbers

| Metric | KB Pay | 신용플러스 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** | — |
| Number of ratings | **181** | — |
| Positive reviews | 54.4% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 21 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 244 MB | 15 MB |
| Requires iOS | 15.0 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [신용회복위원회](https://appshunter.io/developer/1478216020) |

## What reviewers say

### KB Pay

[App page](https://appshunter.io/ios/app/kb-pay/id695436326)

Manage all your KB cards, assets, and lifestyle services in one app. Track payments, access loans, apply for cards, and enjoy exclusive shopping and travel deals. Optimize your spending with integrated financial tools and rewards.

**Highlights:** Card payment tracking and instant payment, Loan and credit services, Shopping and travel booking, Personalized benefits and events, Payment via bank accounts and points, Expense management and memo features

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient payment processing
- 👍 User-friendly and intuitive interface
- 💳 Seamless card payment integration
- 🎁 Good rewards and points accumulation
- 🔐 Face ID and biometric authentication support

**What reviewers complain about**

- 🌍 No English language support despite claims
- 🔐 Authentication issues for overseas users
- 🐛 Frequent app crashes and freezing
- ⚠️ Complex and cluttered interface with too many features
- 🚫 Overseas residents cannot access services

**Reported bugs**

- Card reissuance authentication fails at step 2
- Card password authentication doesn't proceed
- Infinite loop when viewing event notifications
- White screen errors preventing navigation
- App lock feature causes infinite loading screen

**Requested features**

- English language support (critical for foreigners)
- Chinese and Vietnamese language support
- Simplified interface with fewer features
- Separate pay-only app for faster performance
- Dark mode option


### 신용플러스

[App page](https://appshunter.io/ios/app/creditplus/id1665482651)

Access free, professional credit counseling and self-assessment tools. Get expert advice on debt management, credit recovery, and financial planning. Stay informed with the latest credit news and educational resources.

**Highlights:** Free credit counseling sessions, Credit self-assessment tools, Expert Q&A on debt and credit, Improve credit score with non-financial data, Credit education videos and news, Community forum for credit concerns

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is KB Pay free?

KB Pay is free to download, with no in-app purchases.

### Is 신용플러스 free?

신용플러스 is free to download, with no in-app purchases.

### Do KB Pay or 신용플러스 have ads?

KB Pay shows ads; 신용플러스 does not.

### Which is updated more often, KB Pay or 신용플러스?

KB Pay ships an update every 2 weeks, and 신용플러스 every 21 months. Most recently, KB Pay was updated on October 17, 2026 and 신용플러스 on September 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*