Toss Bank vs Cora.
Toss Bank (T78/100) and Cora (C51/100), 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 Cora 6-0.
| C Cora №71 · BACEN 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) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank KDIC |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €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 | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
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 Cora — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cora better than Toss Bank?
Under our v3 methodology, Toss Bank leads Cora 6–0 across 12 dimensions. Composite scores: Cora 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 Cora or Toss Bank cheaper?
Monthly fee — Cora: €0; Toss Bank: €0. Card FX markup — Cora: 1.50%; 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, Cora or Toss Bank?
Cora holds a Payment inst. licence under BACEN; 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 Cora and Toss Bank?
Cora 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.