# 하나Pay(하나카드) vs 카카오페이

The clearest difference is in-app purchases: 하나Pay(하나카드) at none against 카카오페이's 28. 하나Pay(하나카드) also leads on ads (none vs shown) and rating (4.4 vs 4.2). 카카오페이's advantage is review sentiment (49% vs 23%) and update cadence (weekly vs every 5 weeks). On price and device support there is nothing between them.

Both are free to download. 카카오페이 sells 28 one-off in-app purchases. 하나Pay(하나카드) asks for nothing beyond the download.

하나Pay(하나카드) holds the better App Store score, 4.4 against 4.2. That said, the two scores are not equally well evidenced: 하나Pay(하나카드) has 703 ratings behind it against 132, so its average is the more settled of the two. Written reviews complicate that: 23% of 하나Pay(하나카드)'s written reviews are positive against 49% of 카카오페이'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, 카카오페이 weekly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | 하나Pay(하나카드) | 카카오페이 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (703 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** | [4.2 (132 ratings)](https://appshunter.io/ios/app/id1464496236/reviews) |
| Number of ratings | **703** | 132 |
| Positive reviews | 23.2% of reviews | **48.8% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | Free with in-app purchases | — |
| Size | 228 MB | 273 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) | [kakaopay corp.](https://appshunter.io/developer/1435127192) |

## 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


### 카카오페이

[App page](https://appshunter.io/ios/app/id1464496236)

**Features:** Apple Wallet, Apple Watch app

**In-app purchases (28)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1100원 상품 | $0.49 | one-time |
| 1500원 상품 | $0.99 | one-time |
| 3300원 상품 | $1.99 | one-time |
| 3500원 상품 | $1.99 | one-time |
| 5500원 상품 | $2.99 | one-time |
| 6600원 상품 | $3.99 | one-time |
| 6900원 상품 | $3.99 | one-time |
| 8900원 상품 | $4.99 | one-time |
| 7900원 상품 | $4.99 | one-time |
| 9500원 상품 | $5.99 | one-time |
| 9900원 상품 | $5.99 | one-time |
| 11000원 상품 | $6.99 | one-time |
| 13000원 상품 | $7.99 | one-time |
| 13900원 상품 | $8.99 | one-time |
| 17000원 상품 | $9.99 | one-time |
| 15000원 상품 | $9.99 | one-time |
| 19000원 상품 | $11.99 | one-time |
| 20000원 상품 | $11.99 | one-time |
| 22000원 상품 | $12.99 | one-time |
| 25000원 상품 | $14.99 | one-time |
| 28000원 상품 | $17.99 | one-time |
| 30000원 상품 | $19.99 | one-time |
| 33000원 상품 | $19.99 | one-time |
| 44000원 상품 | $29.99 | one-time |
| 55000원 상품 | $34.99 | one-time |
| 70000원 상품 | $39.99 | one-time |
| 99000원 상품 | $59.99 | one-time |
| 140000원 상품 | $89.99 | one-time |


## Frequently asked questions

### Is 하나Pay(하나카드) free?

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

### Is 카카오페이 free?

카카오페이 is free to download, with in-app purchases available.

### Which has better reviews, 하나Pay(하나카드) or 카카오페이?

하나Pay(하나카드) is rated higher. 하나Pay(하나카드) averages 4.4 out of 5 from 703 ratings, while 카카오페이 averages 4.2 from 132 ratings.

### Do 하나Pay(하나카드) or 카카오페이 have ads?

카카오페이 shows ads; 하나Pay(하나카드) does not.

### Which is updated more often, 하나Pay(하나카드) or 카카오페이?

하나Pay(하나카드) ships an update every 5 weeks, and 카카오페이 weekly. Most recently, 하나Pay(하나카드) was updated on October 24, 2026 and 카카오페이 on October 25, 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.*