Toss Bank vs Zand.
Toss Bank (T78/100) and Zand (Z77/100), 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 Zand 3-0.
| T Toss Bank №11 · KDIC 78 /100 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 77 /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 KDIC | Full bank CBUAE |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.2 ★ iOS 4.3 · And 4.0 |
| 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 Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Tied
- Best for protection Toss Bank won 1 of 2
- Best for reach Tied
- Best for ux Toss Bank won 1 of 2
Toss Bank vs Zand — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Toss Bank better than Zand?
Under our v3 methodology, Toss Bank leads Zand 3–0 across 12 dimensions. Composite scores: Toss Bank 78/100 vs Zand 77/100. 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 Zand cheaper?
Monthly fee — Toss Bank: €0; Zand: €0. Card FX markup — Toss Bank: Interbank; Zand: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Toss Bank or Zand?
Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Toss Bank is the stronger pick on regulatory protection.
Where can I use Toss Bank and Zand?
Toss Bank operates in 1 country; Zand 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.