Toss Bank vs Banco Inter.
Toss Bank (T78/100) and Banco Inter (B76/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Banco Inter №16 · BACEN 76 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank KDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
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 Tied
- Best for protection Toss Bank won 1 of 2
- Best for reach Banco Inter won 2 of 3
- Best for ux Tied
Toss Bank vs Banco Inter — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Toss Bank?
Banco Inter and Toss Bank are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Banco Inter 76/100 vs Toss Bank 78/100. The right pick depends on which dimension you weight most heavily.
Is Banco Inter or Toss Bank cheaper?
Monthly fee — Banco Inter: €0; Toss Bank: €0. Card FX markup — Banco Inter: Interbank; Toss Bank: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Toss Bank?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. 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 Banco Inter and Toss Bank?
Banco Inter operates in 2 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.