Toss Bank vs Ualá.
Toss Bank (T78/100) and Ualá (U49/100), 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 Ualá 5-3.
| T Toss Bank №11 · KDIC 78 /100 | U Ualá №81 · BCRA 49 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 49 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank KDIC | Payment inst. BCRA |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | Safeguarded AR.SEDESA |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 6 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 2.4 ★ 5k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Ualá if…
The default Argentine fintech card (~9M users in AR). Wilobank acquisition (2022) gave Ualá a full Argentine banking licence — converts the wallet to a chartered bank for AR depositors. Mexican + Colombian expansions via local subsidiaries. Argentine inflation-hedge yield (Rendimientos) is a near-mandatory product for ARS holders.
- Best for fees Toss Bank won 1 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Ualá won 2 of 3
- Best for ux Tied
Toss Bank vs Ualá — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Toss Bank better than Ualá?
Under our v3 methodology, Toss Bank leads Ualá 5–3 across 12 dimensions. Composite scores: Toss Bank 78/100 vs Ualá 49/100. 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 Ualá cheaper?
Monthly fee — Toss Bank: €0; Ualá: €0. Card FX markup — Toss Bank: Interbank; Ualá: 4.00%. 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 Ualá?
Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Ualá holds a Payment inst. licence under BCRA; deposit guarantee per depositor: Safeguarded. Toss Bank is the stronger pick on regulatory protection.
Where can I use Toss Bank and Ualá?
Toss Bank operates in 1 country; Ualá operates in 3 countries. 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.