# 하나Pay(하나카드) vs PASS by U+

The clearest difference is review sentiment: PASS by U+ at 73% against 하나Pay(하나카드)'s 24%. PASS by U+ also leads on monetization model (free vs free with in-app purchases). 하나Pay(하나카드)'s advantage is rating (4.4 vs 1.6) and ratings volume (695 vs 7). 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 1.6. That said, the two scores are not equally well evidenced: 하나Pay(하나카드) has 695 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 24% of 하나Pay(하나카드)'s written reviews are positive against 73% of PASS by U+'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 U+ monthly. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | 하나Pay(하나카드) | PASS by U+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (695 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** | [1.6 (7 ratings)](https://appshunter.io/ios/app/pass-by-u-plus/id1147394645/reviews) |
| Number of ratings | **695** | 7 |
| Positive reviews | 24.0% of reviews | **73.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 222 MB | 343 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) | [LG Uplus](https://appshunter.io/developer/372558480) |

## 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 U+

[App page](https://appshunter.io/ios/app/pass-by-u-plus/id1147394645)

Securely verify your identity and access a range of services including digital identification, financial management, and healthcare information. Manage your mobile driver's license and resident registration card, and utilize a secure digital certificate for various transactions.

**Highlights:** Mobile driver's license and resident registration card, Secure identity verification, Digital certificate for transactions, Financial asset inquiry and recommendations, Mobile payment management, Identity theft prevention service

**Features:** Safari Extension

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy authentication
- 🚀 Fast and efficient process
- 💡 Mobile ID and payment features
- 🔒 Secure and trustworthy
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Authentication failures
- 🐛 App crashes or freezes
- 🐛 UI/UX issues
- 🐛 Inconsistent performance
- 🐛 Language barriers for non-Korean speakers

**Reported bugs**

- Authentication does not proceed after password entry
- App becomes unresponsive ('bricks') after OS update
- App crashes upon launch
- Error messages like 'IP.null' or 'PPS 고객입니다. [LRZ0002347]'
- SMS authentication code not received

**Requested features**

- Improve Face ID/Biometric login stability
- Address language translation for English speakers
- Allow registration without a Korean resident number for foreigners
- Fix keyboard not appearing during password setup
- Improve compatibility with specific phone models/OS versions


## Frequently asked questions

### Is 하나Pay(하나카드) free?

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

### Is PASS by U+ free?

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

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

하나Pay(하나카드) is rated higher. 하나Pay(하나카드) averages 4.4 out of 5 from 695 ratings, while PASS by U+ averages 1.6 from 7 ratings.

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

Neither 하나Pay(하나카드) nor PASS by U+ shows ads.

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

하나Pay(하나카드) ships an update every 5 weeks, and PASS by U+ monthly. Most recently, 하나Pay(하나카드) was updated on September 23, 2026 and PASS by U+ on September 24, 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.*