# 하나Pay(하나카드) vs 페이워치 Paywatch Korea

The clearest difference is review sentiment: 페이워치 Paywatch Korea at 90% against 하나Pay(하나카드)'s 23%. 페이워치 Paywatch Korea also leads on rating (5.0 vs 4.4) and monetization model (free vs free with in-app purchases). 하나Pay(하나카드)'s advantage is ratings volume (705 vs 4) and iOS requirement (13.0 vs 16.0). 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.

페이워치 Paywatch Korea holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: 하나Pay(하나카드) has 705 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 23% of 하나Pay(하나카드)'s written reviews are positive against 90% of 페이워치 Paywatch Korea's.

하나Pay(하나카드) ships an update every 5 weeks, 페이워치 Paywatch Korea every 3 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | 하나Pay(하나카드) | 페이워치 Paywatch Korea |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (705 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/paywatch-korea/id1463923256/reviews)** |
| Number of ratings | **705** | 4 |
| Positive reviews | 23.2% of reviews | **90.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 228 MB | 45 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) | [Paywatch Korea Co., Ltd.](https://appshunter.io/developer/1447078468) |

## 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


### 페이워치 Paywatch Korea

[App page](https://appshunter.io/ios/app/paywatch-korea/id1463923256)

Access your earned wages before your payday. This service allows employees to receive a portion of their salary in advance, with automatic deduction on the actual payday. It offers a convenient financial solution without impacting credit scores or incurring interest.

**Highlights:** Receive earned wages before payday, Automatic salary deduction on payday, No credit score impact, No interest charges, Partnerships with major financial institutions

**In-app purchases:** none


## Frequently asked questions

### Is 하나Pay(하나카드) free?

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

### Is 페이워치 Paywatch Korea free?

페이워치 Paywatch Korea is free to download, with no in-app purchases.

### Which has better reviews, 하나Pay(하나카드) or 페이워치 Paywatch Korea?

페이워치 Paywatch Korea is rated higher. 하나Pay(하나카드) averages 4.4 out of 5 from 705 ratings, while 페이워치 Paywatch Korea averages 5.0 from 4 ratings.

### Do 하나Pay(하나카드) or 페이워치 Paywatch Korea have ads?

Neither 하나Pay(하나카드) nor 페이워치 Paywatch Korea shows ads.

### Which is updated more often, 하나Pay(하나카드) or 페이워치 Paywatch Korea?

하나Pay(하나카드) ships an update every 5 weeks, and 페이워치 Paywatch Korea every 3 weeks. Most recently, 하나Pay(하나카드) was updated on November 6, 2026 and 페이워치 Paywatch Korea on November 3, 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.*