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T-Money Card Guide in South Korea: real experience from chats

Short answer
T-Money cards are essential for public transport in South Korea and must be purchased individually for each traveler, including children. You can purchase and top up these cards at convenience stores or subway station kiosks, where you can also register child passports to apply discounted youth fares.

From real experience

For public transport in South Korea, T-Money cards are recommended, especially when traveling with children.
T-Money cards can be purchased and topped up at convenience stores (7-Eleven, CU, GS25) or at ticket machines in metro stations and airports. Child-specific fares are available and offer lower prices; these should be activated if the child meets the age criteria. While Wowpass can be used, it does not facilitate topping up child T-Money cards. Child T-Money cards can be recharged via ticket machines or at convenience store checkouts. Various card designs are available, including themed collections.
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Payment systems in South Korea: WOWPASS acts as a debit card and a T-money (transport card) in one.
T-money cards are essential for public transport (buses, subways) as many buses are becoming cash-free. T-money can be purchased and topped up at convenience stores (GS25, CU, 7-Eleven) or metro station kiosks. Always tap the card when entering and exiting buses to ensure correct fare calculation and transfer discounts.
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When using travel cards like Wowpass in South Korea with a child, a separate card is required for each person for public transport (metro and buses).
This is because fares are typically charged upon both entry and exit, and a child's fare may differ. While it might be possible to negotiate with a bus driver for a single card, it's not a reliable method. Therefore, purchasing individual transport cards for children is necessary.
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Wowpass acts as a multi-wallet card. It features a main balance for payments and a separate T-money wallet for public transport.
To pay for transit, users must top up the T-money balance via the Wowpass app or physical top-up machines located in convenience stores (7-Eleven, GS25, CU) or subway stations. The card should be tapped on the T-money reader on buses and subway turnstiles.
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Public transportation in South Korea, particularly the Seoul subway, operates from approximately 5:30 AM to 1:00 AM on weekdays and until midnight on weekends, with station-specific schedules available on mapping apps.
Buses are also a common mode of transport. The T-money card is essential for seamless travel on subways and buses; it can be topped up via the Wowpass app or at convenience stores (CU, GS25, 7/11). The Wowpass card itself functions as both a payment method and a transport card. On Jeju Island, public transport is less frequent, making car rental or taxis more practical, though potentially more expensive. Taxi fares on Jeju are comparable to Seoul, but longer distances between points on the island can result in fares of 40,000-50,000 KRW per trip.
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For public transport in Incheon, it's recommended to purchase a T-Money card from a convenience store and top it up.
A common recommendation is to get a Wowpass, which functions as both a transport card and a bank card. You can load funds onto the Wowpass via its app and then transfer money to the transport section. Each person requires their own transport card. The cost from Incheon Airport to the city center is approximately 5,350 KRW for the regular train and 11,600 KRW for the express train. Single tickets can also be purchased from vending machines.
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Public transport in Seoul and Busan utilizes rechargeable cards or single-journey tickets.
In Seoul, single-journey cards can be purchased from machines, with a 500 KRW deposit refunded upon exiting the system. Machines may limit purchases to five tickets at once, and station selection can be done via map if the specific station is not listed. In Busan, ticket machines are faster and issue QR-coded tickets, with deposit return mechanisms potentially less common or absent at all stations.
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Bus fares in South Korea typically range from 700 to 1600 KRW depending on payment method (transport card vs.
cash). Children under 6 ride for free with a transport card. For children aged 6-18, a youth tariff can be applied to a T-money card by presenting the child's passport at a top-up station. Transfers within 30 minutes on buses are usually covered by a single fare. Subway fares are slightly higher, around 1550 KRW.
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The Namane card functions as a standard transport card in South Korea but does not offer benefits for attractions, unlike the Discover Seoul Pass.
The Climate card is a Seoul-specific unlimited travel pass. T-money is a general-purpose transport card that requires individual top-ups. For Korean bank account holders, linked transport cards may allow for monthly rather than per-trip deductions.
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Airport limousine buses in South Korea can be paid for using T-Money cards or cash.
While some travelers attempt to use the Wowpass balance directly, it is often unreliable for bus terminals; it is recommended to use the T-Money feature specifically or have cash ready.
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Public transport in South Korea: T-money cards are required individually for subway travel for children.
To apply child fare discounts, visit a staffed counter at a subway station with the child's passport or ID to register the date of birth.
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T-Money cards are generally more cost-effective for children in South Korea compared to Climate Cards, especially when traveling outside of Seoul.
T-Money cards offer discounted fares for children and can be used nationwide, whereas Climate Cards are limited to the Seoul area.
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One Wowpass/T-money card cannot be used for two passengers in the subway.
In buses, you can notify the driver to pay for two. For transfers and convenience, each traveler needs their own card.
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