Toss Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Toss Bank is a Korean debit card for people who spend and get paid in other currencies, since it converts at a currency conversion fee of 0% and sits at 1 of 259 brands on that rate. Running since 2013, it scores 8 overall.
Key facts
- Best for
- Paying and being paid in other currencies from a debit card that converts at 0%.
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Headquarters
- South Korea (Source, checked September 26, 2026)
- Founded
- 2013 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
- Official website
- tossbank.com
Credit cards
Pros and cons
Pros
- Conversion costs 0% on a debit card, ahead of Wise at 0.1%, bunq Spain at 0.5% to 3% and Upgrade OneCard at 3%.
- Placed at 1 of 259 brands on conversion cost, with an overall score of 8.
- Travel is the stated feature, so the card is aimed at trips that mix currencies: travel.
- Help through email, phone and help centre, so a card query can go to a person as well as in writing.
Cons
- A debit card carries no credit line, so spending has to clear against the balance.
- The bank is based in South Korea and built for a single market, which gives multi country account holders less to go on.
- Support runs on email, phone and help centre only, with no live chat in the list for quick questions.
Who it suits
- Travellers who want a debit card that converts money at a fee of 0%.
- Anyone whose income or spending crosses into Korean won, given the bank is based in South Korea.
- People who want help by phone, email or a help centre, all listed under email, phone and help centre.
Who should look elsewhere
- Pick Wise if a currency conversion fee of 0.1% is acceptable and you want an account used beyond a single market at KR.
- Pick bunq Spain if you are in Spain and want an account in your own market rather than one based in South Korea.
- Anyone who needs to borrow, since Toss Bank is a debit card and spending stops at the balance.
The company behind it
Toss Bank sits in KR and has been trading since 2013, so it is a long standing domestic bank rather than a new entrant. Support runs through email, phone and help centre, which gives customers a phone line, an email address and a help centre. That mix suits people who would rather sort a card query with a person than a form.
How Toss Bank compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8bunq Spain charges currency conversion fees of 0.5% to 3%, a range that sits above the 0% Toss Bank applies.
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
Where Toss Bank is available
- Available
- South Korea
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Toss Bank charge to convert currency?+
The currency conversion fee is 0% on a debit card, which places the brand at 1 of 259 on that measure. The median conversion fee across the brands here is 1%, so the gap on travel money is wide and this card sits at the free end.
What kind of card is a Toss Bank account?+
It is a debit card, so spending draws on money in the account rather than a credit line. The bank is listed for travel as its feature, travel, and conversion runs at 0%, which is the number most people look at first.
How does Toss Bank compare with Wise on currency conversion?+
Toss Bank converts at 0%, while Wise charges 0.1% and bunq Spain charges 0.5% to 3%. On that measure the Korean bank is ahead of both. The site's median conversion fee is 1%, so both alternatives charge more for converting travel money.
What happens to cash machine withdrawals abroad?+
The conversion fee of 0% covers converting money, not the cost of a withdrawal. Across the brands here the median free withdrawal allowance is €0 and the upper quartile is €118.23, so machine charges are worth confirming with the bank before a trip.
How do I reach Toss Bank support?+
Support runs through email, phone and help centre, so there is a phone line, an email address and a help centre. A phone call is the direct route for a card that will not work at the machine, and the help centre covers the routine questions about fees and the card itself.
Where is Toss Bank based and who does the account suit?+
The bank is based in South Korea and has been running since 2013, so it is a long standing domestic institution rather than a new name. With travel as its listed feature, travel, the account is aimed at people whose money crosses currencies.
Sources
- theinvestor.co.kr/article/3317622 checked September 26, 2026
Backs: Founded
“Founded in 2013, Viva Republic launched Toss”
- tossbank.com checked September 26, 2026
Backs: Card type, Features, Currency conversion fee, Headquarters, Support channels
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
Related by the facts
Toss Bank
Paying and being paid in other currencies from a debit card that converts at 0%.