Side by side
Toss vs Wave
Both stand on money transfer apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhone
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.
Visit Toss Free plan AndroidiPhone
Wave offers a broad mobile money feature set with instant transfers and free deposits, withdrawals, and bill payments. Costs, identity requirements, and limits vary by the listed terms, including specific rules for The Gambia.
Visit WaveThe facts
| Toss | Wave | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone | Android, iPhone |
| Lowest paid plan | Not published | Free or on request |
| Plans published | None | 1 |
| Maker | Toss | WAVE |
| Website | toss.im | wave.com |
| On money transfer apps | #63 of 81 | #59 of 81 |
Toss: 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
Wave: what it does well
- Android and iOS apps
- Instant transfers with tracking
- Deposits, withdrawals, and bill payments free
- Toll-free telephone support
- Security measures and restricted data access
What to know first
- Sending money costs 1%
- No free trial is listed
- Gambia wallet is not a bank account
- Gambia transactions require identity verification