# 하나Pay(하나카드) vs 카카오뱅크

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.

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 2.8. 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.

하나Pay(하나카드) ships an update every 5 weeks, 카카오뱅크 every 3 weeks. Both last shipped on October 26, 2026.

## The numbers

| Metric | 하나Pay(하나카드) | 카카오뱅크 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (703 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** | [2.8 (145 ratings)](https://appshunter.io/ios/app/id1258016944/reviews) |
| Number of ratings | **703** | 145 |
| Positive reviews | 23.2% of reviews | **31.4% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 228 MB | 783 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) | [KakaoBank Corp.](https://appshunter.io/developer/1258016943) |

## 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


### 카카오뱅크

[App page](https://appshunter.io/ios/app/id1258016944)

**In-app purchases:** none


## Frequently asked 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 26, 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.*