# KB Pay vs 카비

The clearest difference is ads: 카비 at none against KB Pay's shown. On price, update cadence, 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, 카비 every 3 weeks. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | KB Pay | 카비 |
| --- | --- | --- |
| 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 | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 249 MB | 45 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [zzari](https://appshunter.io/developer/1839643671) |

## 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


### 카비

[App page](https://appshunter.io/ios/app/id6760471848)

**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 카비 free?

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

### Do KB Pay or 카비 have ads?

KB Pay shows ads; 카비 does not.

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

KB Pay ships an update every 2 weeks, and 카비 every 3 weeks. Most recently, KB Pay was updated on November 1, 2026 and 카비 on October 25, 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.*