Toss Bank vs Wise.
Toss Bank (T78/100) and Wise (W68/100), 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 Wise 4-3.
| T Toss Bank №11 · KDIC 78 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank KDIC | E-money inst. FCA |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 160 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.7 · And 4.2 |
| 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 Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 1 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Wise won 1 of 3
- Best for ux Tied
Toss Bank vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Toss Bank better than Wise?
Under our v3 methodology, Toss Bank leads Wise 4–3 across 12 dimensions. Composite scores: Toss Bank 78/100 vs Wise 68/100. 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 Wise cheaper?
Monthly fee — Toss Bank: €0; Wise: €0. Card FX markup — Toss Bank: Interbank; Wise: Interbank. Wise 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 Wise?
Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Toss Bank is the stronger pick on regulatory protection.
Where can I use Toss Bank and Wise?
Toss Bank operates in 1 country; Wise operates in 160 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.