Toss Bank vs Vivid Money.
Toss Bank (T78/100) and Vivid Money (V62/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| T Toss Bank №11 · KDIC 78 /100 | V Vivid Money №47 · Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 62 /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 | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank KDIC | E-money inst. |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 5 countries |
| Crypto Coins available | No | 300 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.5 · 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 Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 1 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Vivid Money won 2 of 3
- Best for ux Tied
Toss Bank vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Toss Bank better than Vivid Money?
Toss Bank and Vivid Money are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Toss Bank 78/100 vs Vivid Money 62/100. The right pick depends on which dimension you weight most heavily.
Is Toss Bank or Vivid Money cheaper?
Monthly fee — Toss Bank: €0; Vivid Money: €0. Card FX markup — Toss Bank: Interbank; Vivid Money: Interbank. Vivid Money 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 Vivid Money?
Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Vivid Money holds a E-money inst. licence under Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services; deposit guarantee per depositor: Safeguarded. Toss Bank is the stronger pick on regulatory protection.
Where can I use Toss Bank and Vivid Money?
Toss Bank operates in 1 country; Vivid Money operates in 5 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.