Toss Bank vs Qonto.
Toss Bank (T78/100) and Qonto (Q51/100), 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 Qonto 7-2.
| Q Qonto №70 · Payment institution license 51 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 51 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. | Full bank KDIC |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.FR | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.8 ★ 50k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.8 · And 4.3 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
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 2 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Tied
- Best for ux Tied
Toss Bank vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Qonto better than Toss Bank?
Under our v3 methodology, Toss Bank leads Qonto 7–2 across 12 dimensions. Composite scores: Qonto 51/100 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 Qonto or Toss Bank cheaper?
Monthly fee — Qonto: €9; Toss Bank: €0. Card FX markup — Qonto: 1.70%; Toss Bank: Interbank. Toss Bank wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Qonto or Toss Bank?
Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Toss Bank is the stronger pick on regulatory protection.
Where can I use Qonto and Toss Bank?
Qonto operates in 8 countries; 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.