# 하나Pay(하나카드) vs PASS by SKT

The clearest difference is rating: 하나Pay(하나카드) at 4.4 against PASS by SKT's 2.6. 하나Pay(하나카드) also leads on ratings volume (703 vs 87) and iOS requirement (13.0 vs 15.0). PASS by SKT's advantage is review sentiment (65% vs 23%) and monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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 2.6. That said, the two scores are not equally well evidenced: 하나Pay(하나카드) has 703 ratings behind it against 87, so its average is the more settled of the two. Written reviews complicate that: 23% of 하나Pay(하나카드)'s written reviews are positive against 65% of PASS by SKT's, so the app with the better star average is not the one people write more warmly about.

하나Pay(하나카드) ships an update every 5 weeks, PASS by SKT every 2 months. Both last shipped on November 1, 2026.

## The numbers

| Metric | 하나Pay(하나카드) | PASS by SKT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (703 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** | [2.6 (87 ratings)](https://appshunter.io/ios/app/pass-by-skt/id1141258007/reviews) |
| Number of ratings | **703** | 87 |
| Positive reviews | 23.2% of reviews | **65.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 228 MB | 268 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) | [SK Telecom](https://appshunter.io/developer/329992155) |

## What reviewers say

### 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


### PASS by SKT

[App page](https://appshunter.io/ios/app/pass-by-skt/id1141258007)

This app offers a comprehensive suite of services beyond simple authentication. It includes digital identity verification, secure certificate issuance, mobile identification, and financial management tools. Users can also access health information, lifestyle services, and mobile payment options.

**Highlights:** Digital identity verification, Mobile driver's license and resident registration card, Secure digital certificate issuance, Financial management and investment information, Mobile payment and content fee management, Phishing and identity theft protection, Smart ticket for airport access

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient authentication
- 🚀 Fast and simple verification
- 🔒 Secure login with biometrics
- 💡 Time-saving for frequent verifications
- ✅ Useful for various online services

**What reviewers complain about**

- ❌ Forced default app for documents
- ❌ Difficult to change default app settings
- ❌ App not foreigner-friendly
- ❌ Mandatory additional service promotion
- ❌ Issues with verification and login

**Reported bugs**

- App crashes or closes immediately upon opening
- Cannot delete the app
- App forces itself as the default for document files
- Verification fails even with app installed
- Cannot reset password after phone reset

**Requested features**

- Allow changing default app for documents
- Improve QR code recognition rate
- Provide English translation for the app
- Add option to disable confirmation prompts for biometric login
- Allow manual input of email for support inquiries


## Frequently asked questions

### Is 하나Pay(하나카드) free?

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

### Is PASS by SKT free?

PASS by SKT is free to download, with no in-app purchases.

### Which has better reviews, 하나Pay(하나카드) or PASS by SKT?

하나Pay(하나카드) is rated higher. 하나Pay(하나카드) averages 4.4 out of 5 from 703 ratings, while PASS by SKT averages 2.6 from 87 ratings.

### Do 하나Pay(하나카드) or PASS by SKT have ads?

Neither 하나Pay(하나카드) nor PASS by SKT shows ads.

### Which is updated more often, 하나Pay(하나카드) or PASS by SKT?

하나Pay(하나카드) ships an update every 5 weeks, and PASS by SKT every 2 months. Most recently, 하나Pay(하나카드) was updated on November 1, 2026 and PASS by SKT on November 1, 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.*