Freedom251 › Money Transfer Apps
Toss
by Toss
What Toss is
Toss is a free finance app from Toss, headquartered in Seoul, South Korea, with Android and iOS versions. It combines transfers, money management, payments, credit information, lending, investments, insurance and tax filing in one place. Through MyData, you can connect accounts and cards to see balances, spending, loans and investments from different institutions. The app records income and expenses automatically and provides spending analysis, recurring-expense tracking and card-bill reminders. Transfers can go to bank accounts or phone contacts, with instant delivery, scheduling and tracking; Toss says they remain free for life without extra conditions or limits. Toss Pay supports online checkout, while Facepay enables facial-recognition payment at stores with a Toss terminal. You can view KCB and NICE scores, compare loans from around 80 financial institutions and apply for products. Mini Apps add services and games without separate downloads or sign-ups. Toss lists several security certifications and 24-hour customer service.
Who it suits
Toss suits people who want transfers, account oversight, spending tools and financial products in one mobile app. It supports Android and iOS users and includes services for a wide age range.
What it does well
- Free plan for Android and iOS
- Instant bank and contact transfers
- Automatic spending and income logging
- Loan comparisons from around 80 institutions
- Transfer warnings and fraud monitoring
What to know first
- Facepay requires a Toss terminal
- Some services depend on connected institutions
- Financial features are centered on a mobile app
Verdict
Toss brings everyday transfers, account views, spending analysis and broader financial products into one app. Its free pricing, instant transfers and fraud monitoring make it a broad option for mobile finance management.
Facts from Toss's own pages
- All-in-one finance
- Toss brings together transfers, asset management, loans, investments, insurance, and tax filing in one app. · toss.im, 11 Oct 2026
- Asset management
- Toss can connect users’ accounts and cards to show balances, spending, loans, and investments in one place. · toss.im, 11 Oct 2026
- Audience
- Toss says its finance app is used across age groups from teens to people in their 60s. · i18n.toss.im, 11 Oct 2026
- Audience and reach
- Toss says it surpassed 30 million users in Korea in 2025. · toss.im, 11 Oct 2026
- Business POS
- Toss POS is downloadable software offered with no monthly fee and no contract. · toss.im, 11 Oct 2026
- Credit scores
- Users can view their KCB and NICE credit scores, and Toss can submit eligible telecom, utility, and savings records to credit bureaus. · toss.im, 11 Oct 2026
- Financial products
- Users can connect accounts, cards, loans and insurance through MyData, manage money, check credit scores, compare products and apply within Toss. · toss.im, 11 Oct 2026
- Fraud monitoring
- Toss says it monitors transfers for suspicious activity and can warn users, block risky transfers, and alert linked family members. · i18n.toss.im, 11 Oct 2026
- Free plan
- Yes · toss.im, 20 Sept 2026
- Headquarters
- The company page lists an address at 142 Teheran-ro, Gangnam-gu, Seoul, South Korea. · toss.im, 11 Oct 2026
- Loans
- Toss lets users compare options from around 80 financial institutions, including 16 major banks. · toss.im, 11 Oct 2026
- Maker
- The site identifies Viva Republica Co., Ltd. as Toss's hosting company and Lee Seung-geun as its representative. · toss.im, 11 Oct 2026
- Merchant platform
- Apps in Toss lets partners launch mini apps inside Toss and reach Toss users without requiring another app download. · toss.im, 11 Oct 2026
- Merchant security
- Toss Payments lists PCI-DSS, ISMS, and ISO/IEC 27001 certifications and describes a fraud detection system for phishing and suspicious transactions. · toss.im, 11 Oct 2026
- Mini Apps
- Mini Apps offer services and games inside Toss without separate app downloads or additional sign-ups. · toss.im, 11 Oct 2026
- Mobile platforms
- both · toss.im, 20 Sept 2026
- Money management
- Users can view accounts, savings, loans and investments from different financial institutions in one place. · i18n.toss.im, 11 Oct 2026
- Money transfers
- Users can send money to bank accounts or phone contacts, and Toss says transfers are free for life with no extra conditions or limits. · i18n.toss.im, 11 Oct 2026
- Payments
- Toss Pay supports online checkout, while Facepay enables in-store payment with facial recognition at stores with a Toss terminal. · i18n.toss.im, 11 Oct 2026
- Payments security
- Toss Pay says it follows government security guidelines, encrypts stored information, and requires a passcode or biometric authentication to approve payments. · toss.im, 11 Oct 2026
- Product
- Toss describes itself as a finance app that brings money management and financial services together. · i18n.toss.im, 11 Oct 2026
- Recipient methods
- bank · toss.im, 20 Sept 2026
- Scheduled transfers
- Yes · toss.im, 20 Sept 2026
- Security
- Toss's certificate page lists PCI-DSS, ISO 27001, ISMS-P and ISO 27701 certifications. · toss.im, 11 Oct 2026
Where Toss stands on Freedom251
- Money Transfer Apps#63 of 81