Toss Bank vs Trust Bank.
Toss Bank (T78/100) and Trust Bank (T52/100), 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 Trust Bank 5-0.
| T Toss Bank №11 · KDIC 78 /100 | T Trust Bank №53 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank KDIC | Payment inst. MAS |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
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.
Pick Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- Best for fees Toss Bank won 1 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Toss Bank won 1 of 3
- Best for ux Tied
Toss Bank vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Toss Bank better than Trust Bank?
Under our v3 methodology, Toss Bank leads Trust Bank 5–0 across 12 dimensions. Composite scores: Toss Bank 78/100 vs Trust Bank 52/100. Toss Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Toss Bank or Trust Bank cheaper?
Monthly fee — Toss Bank: €0; Trust Bank: €0. Card FX markup — Toss Bank: Interbank; Trust Bank: 1.00%. 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, Toss Bank or Trust Bank?
Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Toss Bank is the stronger pick on regulatory protection.
Where can I use Toss Bank and Trust Bank?
Toss Bank operates in 1 country; Trust 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.