# KB Pay vs 하나Pay(하나카드)

The clearest difference is rating: 하나Pay(하나카드) at 4.4 against KB Pay's 3.4. 하나Pay(하나카드) also leads on ads (none vs shown) and ratings volume (699 vs 181). KB Pay's advantage is review sentiment (54% vs 23%) and update cadence (every 2 weeks vs every 5 weeks). On price, in-app purchases, monetization model 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.

하나Pay(하나카드) holds the better App Store score, 4.4 against 3.4. Both are backed by a comparable volume of ratings — 181 and 699 respectively. Written reviews complicate that: 54% of KB Pay's written reviews are positive against 23% of 하나Pay(하나카드)'s, so the app with the better star average is not the one people write more warmly about.

KB Pay ships an update every 2 weeks, 하나Pay(하나카드) every 5 weeks. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | KB Pay | 하나Pay(하나카드) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews) | **[4.4 (699 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** |
| Number of ratings | 181 | **699** |
| Positive reviews | **54.4% of reviews** | 23.2% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 244 MB | 228 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) |

## 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


### 하나Pay(하나카드)

[App page](https://appshunter.io/ios/app/pay/id847268987)

Manage your finances with a single card app. Make faster payments via QR/barcode or widgets, view all your financial information at a glance, and receive personalized benefits and event notifications. It also offers expense management and fund transfers.

**Highlights:** QR/barcode payments without password/fingerprint, Widget and home screen shortcuts for quick payments, AI-powered personalized menu suggestions, All financial information at a glance, Expense management and spending analysis, Account inquiry and fund transfers, Personalized benefits and event notifications

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Quick and efficient
- 💡 Useful features like KTX discounts and Kakao Taxi integration

**What reviewers complain about**

- 🐛 Slow and unresponsive app
- 🔒 Lack of support for other languages, especially English
- 🔍 Confusing and cluttered UI/UX
- 🔌 Poor performance when used abroad

**Reported bugs**

- Frequent crashes and freezes
- Issues with account registration and authentication
- Incompatibility with certain devices and operating systems

**Requested features**

- Add English language support
- Improve app speed and responsiveness
- Simplify and streamline the UI
- Provide better support for overseas users


## Frequently asked questions

### Is KB Pay free?

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

### Is 하나Pay(하나카드) free?

하나Pay(하나카드) is free to download, with no in-app purchases.

### Which has better reviews, KB Pay or 하나Pay(하나카드)?

하나Pay(하나카드) is rated higher. KB Pay averages 3.4 out of 5 from 181 ratings, while 하나Pay(하나카드) averages 4.4 from 699 ratings.

### Do KB Pay or 하나Pay(하나카드) have ads?

KB Pay shows ads; 하나Pay(하나카드) does not.

### Which is updated more often, KB Pay or 하나Pay(하나카드)?

KB Pay ships an update every 2 weeks, and 하나Pay(하나카드) every 5 weeks. Most recently, KB Pay was updated on October 13, 2026 and 하나Pay(하나카드) on October 14, 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.*