# Toss vs 하나Pay(하나카드)

Toss and 하나Pay(하나카드) both sit at 4.3 stars, but that hides the real split: 57% of Toss's written reviews are positive against 23% of 하나Pay(하나카드)'s. Toss also leads on monetization model (free vs free with in-app purchases) and update cadence (weekly vs every 5 weeks). 하나Pay(하나카드)'s advantage is iOS requirement (13.0 vs 18.0). On price, rating, ratings volume and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.3 for Toss against 4.4 for 하나Pay(하나카드). Both are backed by a comparable volume of ratings — 639 and 708 respectively. Written reviews are what separate them: 57% of Toss's written reviews are positive against 23% of 하나Pay(하나카드)'s.

Toss ships an update weekly, 하나Pay(하나카드) every 5 weeks. The most recent releases landed on November 12, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | Toss | 하나Pay(하나카드) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (639 ratings)](https://appshunter.io/ios/app/toss-make-finance-easier/id839333328/reviews) | **[4.4 (708 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** |
| Number of ratings | 639 | **708** |
| Positive reviews | **56.7% of reviews** | 23.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 5 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 442 MB | 228 MB |
| Requires iOS | 18.0 | **13.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Viva Republica](https://appshunter.io/developer/446370314) | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) |

## What reviewers say

### Toss

[App page](https://appshunter.io/ios/app/toss-make-finance-easier/id839333328)

Manage all your finances in one place, from bank accounts and investments to loans and insurance. Enjoy fee-free transfers, earn interest on your savings, and compare loan offers instantly. Get personalized insurance recommendations and simplify investing with easy-to-understand terms.

**Highlights:** Consolidated financial overview, Fee-free money transfers, Interest-earning bank accounts, Loan offer comparison, Personalized insurance recommendations, Simplified investing tools, English language support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient money transfers
- 💡 Useful features beyond just money transfers
- 🔒 Secure banking experience

**What reviewers complain about**

- 🐛 Occasional app crashes and freezes
- 🔋 High data usage and battery drain
- ⏱️ Slow app performance on older devices
- 🚫 Limited support for foreign users and accounts

**Reported bugs**

- Inconsistent card recognition and payment processing
- Unreliable account balance and transaction history display
- Frequent app crashes during critical functions

**Requested features**

- Add English language support
- Improve overseas banking capabilities
- Introduce iPad/tablet app version
- Enhance customization options


### 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 Toss free?

Toss 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, Toss or 하나Pay(하나카드)?

하나Pay(하나카드) is rated higher. Toss averages 4.3 out of 5 from 639 ratings, while 하나Pay(하나카드) averages 4.4 from 708 ratings.

### Do Toss or 하나Pay(하나카드) have ads?

Neither Toss nor 하나Pay(하나카드) shows ads.

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

Toss ships an update weekly, and 하나Pay(하나카드) every 5 weeks. Most recently, Toss was updated on November 12, 2026 and 하나Pay(하나카드) on November 11, 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.*