Comparison

하나Pay(하나카드) vs 카카오뱅크

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

하나Pay(하나카드)

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
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'하나카드' 하나로 한번에 해결하는 나의 금융생활. 결제, 조회, 송금, 자산관리... 이 모든건 하나카드 하나로. ● 더 빠른 결제 · 비밀번호/지문인증 필요없이 QR/바코드 결제가 가능해요. · 위젯/홈화면 바로가기로 앱을 켜지 않고도 휴대폰 첫화면에서 바로 결제할 수 있어요. · 앱에서 흔들기만 하면 내가 설정한 결제 기능이 짠! 나타나요. ● 더 편한 사용 · 자주 쓰는 메뉴는 마치 AI처럼 알아서 똑똑하게 알려줘요. · 카드값, 남은 한도, 이달의 혜택.. 내가 원하던 모든 금융정보를 한눈에 볼 수 있어요. · 데이터로 꼼꼼하게, 나도 몰랐던 지출을 관리해줘요. · 계좌 조회, 송금도 하나카드 앱 하나만 있으면 돼요. ● 더 많은 혜택 · 손님의 카드사용 패턴을 바탕으로 맞춤형 혜택을 드려요. · 매달 손님을 위한 다양한 이벤트를 준비하고 있어요 ---------------------------------------------------------- ● 앱 접근 권한 안내 하나Pay를 이용하기 위해 다음의 접근 권한 허용이 필요합니다. - 필수 전화 : 단말정보 확인 및 고객센터 자동연결 저장소: 공동인증서 및 앱 실행에 필요한 파일 및 저장 - 선택 SMS : 소비·자산 분석 및 가계부 서비스 제공 카메라 : QR/바코드 결제 및 얼굴인증 서비스 제공 위치 : 쿠폰, 혜택 알림 등 실시간 서비스 제공 주소록 : 연락처를 이용한 송금서비스 제공 * 선택 접근 권한은 허용하지 않아도 해당 기능 외 모든 서비스를 이용하실 수 있습니다. * 휴대폰 설정 > 애플리케이션 > 하나카드 > 권한 메뉴에서도 설정을 하실 수 있습니다. ● 고객상담 대표전화 : 1800-1111 이메일 : hanapay.hanacard@gmail.com

About

카카오뱅크

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Changing finance, changing everyday life A fully licensed bank, KakaoBank ■ Korea's leading internet bank • Handle all your banking on mobile 24/7, with no branch visit • Send money to KakaoTalk friends without knowing their account numbers ■ Instant benefits you can see • Competitive interest rates for everyone, with no complex conditions • Complete daily missions in the Benefits tab for cashback ■ An account to share and manage together • Invite KakaoTalk friends to your group account • Share balances and transactions with members in real time ■ A 26-week challenge starting from just KRW 1,000 • Reach your goal before you know it with Kakao Friends cheering you on! ■ A debit card that rewards your spending • Cashback on every purchase, for everyone • A group account debit card that adds fun with random cashback ■ Fast and easy mortgage loans via chatbot • Apply for home purchase, jeonse, rent deposit, and refinancing loans • Instantly check rates and limits tailored to your loan profile • Submit on mobile with no loan documents to prepare ■ A simple start to investing • Compare and open brokerage accounts in one place • Start investing with small amounts • Save and invest in US dollars with zero exchange fees ■ Overseas remittances with exceptionally low fees • Send and receive international transfers anytime, 24/7 • Transfer to over 200 countries via bank accounts or Western Union (WU) • Designate or extend your primary foreign exchange bank on mobile ■ KakaoBank mini, starting from age 7 • Manage your child's allowance with ease • A single card for both payments and Tmoney top-ups ■ Easy and convenient banking for sole proprietors • Easy business account opening and various business loans • Business-exclusive cards with only the benefits you need • Tax filing, credit checks, and other business essentials ■ Easy and convenient banking for foreigners, even if Korean is unfamiliar • Open an account and get a card with your Alien Registration Card • Use a variety of services for your financial life in Korea • AI translation in English, Chinese, and Vietnamese, plus live English support ■ Zero transfer and ATM fees • No fees for transfers to other banks or automated transfers • No deposit, withdrawal, or transfer fees at any domestic ATM (bank ATMs and partner Value-Added Network (VAN) devices) * ATM and cash dispenser fees for deposit, withdrawal, and transfer are subject to change based on future policies. If policies change, we will notify you 1 month in advance via the KakaoBank app and website. ■ Customer Center Operating Hours • Deposits and Savings, Loans, Cards, and App Inquiries: 1599-3333 (Weekdays 09:00–18:00) • Foreign Exchange, Funds Inquiries: 1599-3333 (Weekdays 09:00–18:00) • Jeonse and Monthly Rent Deposit(Registered Customer) Loans Inquiries: 1599-8787 (Weekdays & Saturday 09:00–18:00) • Incident Reporting: 1599-8888 (24/7) ■ Chatbot Operating Hours • KakaoTalk Channel ""KakaoBank Customer Center"" (24/7) • Chatbot and live agent chat support available ■ KakaoBank App Access Permissions and Purposes • Camera (Optional): ID and document capture, video calls, profile photo registration, photo transfers • Photos (Optional): Saving transfer, remittance, and withdrawal confirmations and card receipts • Location (Optional): Prevention of fraudulent account opening and detection of fraudulent transactions • Health (Optional): Step tracking for the Walk Daily and Get Rewards feature • Bluetooth (Optional): Identifying and connecting to nearby devices for the Meet Jordy and Get Rewards feature * You can use the service even if you do not agree to the optional access permissions.

Screenshots

하나Pay(하나카드)4 screens
카카오뱅크4 screens

Verdict

The call

The clearest difference is rating: 하나Pay(하나카드) at 4.4 against 카카오뱅크's 2.8. 하나Pay(하나카드) also leads on ads (none vs shown) and ratings volume (703 vs 145). 카카오뱅크's advantage is review sentiment (31% vs 23%). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

하나Pay(하나카드) holds the better App Store score, 4.4 against 2.8. Both are backed by a comparable volume of ratings — 703 and 145 respectively. Written reviews complicate that: 23% of 하나Pay(하나카드)'s written reviews are positive against 31% of 카카오뱅크's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

하나Pay(하나카드) ships an update every 5 weeks, 카카오뱅크 every 3 weeks. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
하나Pay(하나카드) versus 카카오뱅크: the parameters behind the verdict, then further details
Parameter하나Pay(하나카드)카카오뱅크
PriceFreeFree
Rating4.4 (703 ratings) — better2.8 (145 ratings)
Positive reviews23.2% of reviews31.4% of reviews — better
Number of ratings703 — better145
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size228 MB783 MB
Age rating4+4+
DeveloperHana Card Co., Ltd.KakaoBank Corp.

Customer experience

하나Pay(하나카드)

All ratings699 ratings
Positive84.5%
Neutral3.3%
Negative12.2%
Written reviews142 reviews
Positive23.2%
Neutral2.8%
Negative73.9%

카카오뱅크

All ratings145 ratings
Positive43.4%
Neutral5.5%
Negative51.0%
Written reviews156 reviews
Positive31.4%
Neutral4.5%
Negative64.1%

Bugs and requests

하나Pay(하나카드)

Reported bugs

3 issues
  • Frequent crashes and freezes
  • Issues with account registration and authentication
  • Incompatibility with certain devices and operating systems

Requested features

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

카카오뱅크

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

하나Pay(하나카드)

No in-app purchases

None

카카오뱅크

No in-app purchases

Questions

Is 하나Pay(하나카드) free?
하나Pay(하나카드) is free to download, with no in-app purchases.
Is 카카오뱅크 free?
카카오뱅크 is free to download, with no in-app purchases.
Which has better reviews, 하나Pay(하나카드) or 카카오뱅크?
하나Pay(하나카드) is rated higher. 하나Pay(하나카드) averages 4.4 out of 5 from 703 ratings, while 카카오뱅크 averages 2.8 from 145 ratings.
Do 하나Pay(하나카드) or 카카오뱅크 have ads?
카카오뱅크 shows ads; 하나Pay(하나카드) does not.
Which is updated more often, 하나Pay(하나카드) or 카카오뱅크?
하나Pay(하나카드) ships an update every 5 weeks, and 카카오뱅크 every 3 weeks. Most recently, 하나Pay(하나카드) was updated on October 26, 2026 and 카카오뱅크 on October 24, 2026.

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