Toss Bank vs Bank Jago.
Toss Bank (T78/100) and Bank Jago (B75/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Toss Bank leads Bank Jago 4-1.
| B Bank Jago №21 · Full Indonesian banking licence 75 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Full bank KDIC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick Toss Bank if…
Korea's third internet-only bank. Viva Republica subsidiary — operates inside the Toss super-app (~25M users). Full KFSC licence since 2021; KDIC cover. The mobile-app-native counterpart to Kakao Bank.
- Best for fees Toss Bank won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach Toss Bank won 1 of 3
- Best for ux Toss Bank won 1 of 2
Toss Bank vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Toss Bank?
Under our v3 methodology, Toss Bank leads Bank Jago 4–1 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Toss Bank 78/100. Toss Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bank Jago or Toss Bank cheaper?
Monthly fee — Bank Jago: €0; Toss Bank: €0. Card FX markup — Bank Jago: 2.00%; Toss Bank: Interbank. Toss Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or Toss Bank?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Toss Bank?
Bank Jago operates in 1 country; Toss Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.