1. What does it mean?
무과금 means no monetary spending. A 무과금 유저 relies on free access and resources available through play or giveaways rather than paid purchases. It describes a spending approach, not a skill level.
Also written or said as mugwageum
2. The nuance
A game being free to download does not make every player 무과금. People may use the label for a specific account or game, so the scope can vary.
3. Examples
“이번 계정은 무과금으로 천천히 키우고 있어.”
I'm developing this account slowly without spending money.
“무과금이어도 친구들과 같이 즐길 수 있었어.”
I could still enjoy playing with my friends without paying.
Sources
References support the meaning and usage. Example sentences are written for NoCapWiki.