Toss Bank vs RappiPay.
Toss Bank (T78/100) and RappiPay (R50/100), 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 RappiPay 6-0.
| R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 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 CO.FOGAFIN | €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 | 4.3 ★ iOS 4.3 · And 4.2 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
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 Toss Bank won 2 of 2
- Best for reach Toss Bank won 1 of 3
- Best for ux Toss Bank won 1 of 2
Toss Bank vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is RappiPay better than Toss Bank?
Under our v3 methodology, Toss Bank leads RappiPay 6–0 across 12 dimensions. Composite scores: RappiPay 50/100 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 RappiPay or Toss Bank cheaper?
Monthly fee — RappiPay: €0; Toss Bank: €0. Card FX markup — RappiPay: 3.00%; 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, RappiPay or Toss Bank?
RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; 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 RappiPay and Toss Bank?
RappiPay 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.