# 하나Pay(하나카드) vs MobileTmoney

The clearest difference is rating: 하나Pay(하나카드) at 4.4 against MobileTmoney's 3.1. 하나Pay(하나카드) also leads on ratings volume (703 vs 176). MobileTmoney's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, update cadence and ads 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 3.1. Both are backed by a comparable volume of ratings — 703 and 176 respectively. Written reviews point the same way: 23% of 하나Pay(하나카드)'s written reviews are positive against 18% of MobileTmoney's.

하나Pay(하나카드) ships an update every 5 weeks, MobileTmoney monthly. The most recent releases landed on October 22, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | 하나Pay(하나카드) | MobileTmoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (703 ratings)](https://appshunter.io/ios/app/pay/id847268987/reviews)** | [3.1 (176 ratings)](https://appshunter.io/ios/app/mobiletmoney/id1470361790/reviews) |
| Number of ratings | **703** | 176 |
| Positive reviews | **23.2% of reviews** | 17.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 228 MB | 131 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Hana Card Co., Ltd.](https://appshunter.io/developer/940292922) | [Tmoney Co., Ltd](https://appshunter.io/developer/922805218) |

## 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


### MobileTmoney

[App page](https://appshunter.io/ios/app/mobiletmoney/id1470361790)

This app provides a convenient digital transit card for buses and subways throughout Korea. Users can easily tap their iPhone or Apple Watch to pay for rides without needing a physical card or signing up. Top-ups are simple using Apple Pay.

**Highlights:** Digital transit card for Korea, Tap to pay with iPhone/Apple Watch, No physical card needed, No sign-up required, Top up with Apple Pay, Check balance and top up in-app

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 하나Pay(하나카드) free?

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

### Is MobileTmoney free?

MobileTmoney is free to download, with no in-app purchases.

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

하나Pay(하나카드) is rated higher. 하나Pay(하나카드) averages 4.4 out of 5 from 703 ratings, while MobileTmoney averages 3.1 from 176 ratings.

### Do 하나Pay(하나카드) or MobileTmoney have ads?

Neither 하나Pay(하나카드) nor MobileTmoney shows ads.

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

하나Pay(하나카드) ships an update every 5 weeks, and MobileTmoney monthly. Most recently, 하나Pay(하나카드) was updated on October 22, 2026 and MobileTmoney on October 20, 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.*