Toss

Viva Republica

In-app purchases

About this app

Download the Toss app to use Toss Bank and Toss Securities

● Get a full overview of your finances at a glance
- Manage all your accounts—savings, installment deposits, housing subscriptions, investments, and loans—conveniently in one place with Toss.
- Stay on top of your income, spending, and card spending requirements.
- Easily track monthly bills, insurance payments, subscriptions with no extra effort.

● Safe, simple, and fee-free transfers
- Transfer fees are free for life at Toss, no matter which bank you use.
- Scan for scam & fraud accounts in advance to safely send money.

● Banking reinvented for you
- Even one day is enough to start earning interest with a Toss Bank account.
- Get interest in advance with a Toss Bank account—before it matures.
- Easily get a debit card you can use abroad with no foreign transaction fees.

● Instantly look up your loan options
- Compare loan offers from 75 different financial institutions—including 16 from the banking sector—in under a minute.
- Enjoy special promotions like 1-year interest support and more.

● Smart insurance recommendations tailored to you
- Find out what coverage you're missing compared to your peers and get personalized suggestions.
- Submit a medical bill claim and get reimbursements without the hassle of paper work

● Investing made simple for everyone
- Simple terms anyone can understand.
- Get curated news on stocks you follow.
- Share information in the community or get tips from top investors.

● Users can now use Toss in English
- Toss is now available in English.
- To use Toss in English, change your language settings to English.

● Accessibility Features Supported
- The TalkBack feature can be enabled for screen reading.
- Text size can be increased, and the screen can be zoomed in for easier viewing.
- High contrast and color-independent display options make the screen easier to view.
- The app is optimized for Dark Mode as well.

● Toss is operated by Viva Republica
Viva Republica, a leading fintech company in Korea, is officially registered as an electronic financial business under Article 28 of the Electronic Financial Transactions Act. The company earned this designation after passing security and monitoring inspections by the Financial Supervisory Service and receiving approval from the Financial Services Commission. In 2019, Viva Republica was ranked 29th on the ""Top 100 Fintech Companies in the World"" list by KPMG and H2 Ventures. Today, it holds more official partnerships with banks and securities firms than any other fintech company in Korea.

● Toss only asks for required permissions
You can use the app without granting the optional permissions, though some feature may not be available. Here's what each option permission is used for.

[Optional permissions]
- Contact: contact transfers, profile photo upload
- Notifications: sending notifications, receiving ARS verification code
- Camera: Reading and uploading QR codes, cards, and ID cards
- Photos: storing and uploading photo
- Location: detecting current locating and preventing fraudulent transactions
- Motion & Fitness: tracking steps (for Toss Walk)
- Face ID: secure login without a PIN
- Bluetooth: find and connect to nearby devices

● Toss is open 24/7, 365
- Phone number 1599-4905
- KakaoTalk @toss
- Email [e-mail]

Ratings and reviews

I kind of like the app; it's fairly convenient most of the time, but it is also very inconsistent. The app also floods you with notifications throughout the day, especially for products that I, as a foreigner, cannot use. Since we have to submit ID when signing up, the system should honestly be able to filter the notifications and limit it to things relevant to me. It's frustrating, so the low rating stays until this gets changed.

honestly I thought that the interest rate (이자율) and the products seemed pretty nice but in the 3 months I've had the app they kept decreasing the rates and the benefits. if you keep decreasing the (already low) 이자율 people will just choose other banks/products. I hope you understand that. find better ways to deal with these things.

I deleted because certain services are not available to me as a foreign resident. The setup was surprisingly easy, but account deletion is a nightmare.