페이북/ISP vs Toss
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
페이북/ISP
Manage your finances with personalized benefits, investment opportunities, and smart financial product comparisons. Customize your home screen, track card usage, and discover tailored discounts and rewards. Invest in global markets and stocks with expert picks.
- Personalized benefits and rewards
- Investment opportunities (overseas, stocks)
- Financial product comparison (cards, loans, insurance)
- Customizable home screen
- Card usage and benefit tracking
- QR payment via smartwatch
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[부자되는 습관, 페이북] ● 홈 - 출석체크부터, 머니박스, 맞춤 혜택을 홈에서 한번에 확인해요. - 원하는대로 메뉴의 순서를 바꿔 나만의 홈을 만들어 보세요. - 카드리스트에서 선택한 카드의 이용내역은 기본, 실적 현황과 혜택 정보도 한눈에 확인할 수 있어요. ● 혜택 - 나에게 딱 맞는 할인, 적립 혜택이 모여있어요. - 쇼핑할 때마다 추가로 적립되는 쇼핑적립과 마이태그 할인도 놓치지 마세요. ● 더부자 - 모으고 불려서 THE 부자되는 습관, 페이북과 만들어요. - 부담없이 시작하는 해외 투자와 주식 고수들의 Pick을 확인해 보세요. ● 금융 - 혜택 좋은 금융상품, 1분만에 찾아드려요! - 카드, 대출, 보험, 계좌도 똑똑하게 비교해 보세요. ● 검색 - 원하는 혜택을 검색해 보세요! - 더 똑똑해진 검색 기능으로 메뉴는 물론, 카드와 이벤트, 마이태그까지 다- 찾아드려요. [페이북 등록 가능 카드] 페이북 사용자 명의의 바로카드, 우리카드, SC제일, 하나BC, 농협BC, IBK기업, KB국민BC, iM뱅크, BNK부산, BNK경남, 씨티BC, 신한BC, 저축은행중앙회, 수협은행, 우체국, 새마을금고중앙회, 광주은행, 한국산업은행, 제주은행, 신협중앙회, 교보증권, 유진투자증권, 미래에셋증권, 유안타증권, DB금융투자, SK증권, NH투자증권, 케이뱅크, 카카오페이카드, 산림조합, 한국투자증권, 지머니트랜스, 핀트카드, KG모빌리언스, 한패스, 코인샷카드, 비즈플레이, 우리은행, 섹터나인, 중국은행, 글로벌머니익스프레스, 네이버카드, 머니트리카드 [ISP 이용안내] KB국민카드 및 KB국민카드에서 발급하는 카카오뱅크, KB증권, 한화투자증권, 코나카드, 페이코, 나마네카드, 토스, 전북은행카드, 퍼핀, 다날카드 [워치로 QR결제하세요] 워치용 QR결제는 모바일 페이북/ISP 앱 설치 및 로그인 후 이용할 수 있습니다. [앱 접근권한] · 필수적 접근권한 - 전화 : ARS추가인증 및 고객센터 연결(디지털 ARS)을 위한 접근 · 선택적 접근권한 - Push 알림 : 승인 및 승인취소 내역 수신을 위한 접근 - 카메라 : 카드번호 스캔 및 QR 결제를 위한 접근 - 사진 : 전자영수증 사진 저장을 위한 접근 - 저장소 : APP을 읽고, 사용하기 위한 접근 - 마이크 : 동영상 첨부(이용문의)를 위한 접근 ※ 선택적 접근권한을 동의하지 않아도 페이북/ISP 앱의 기본 서비스를 이용할 수 있습니다. [이용문의] 페이북/ISP는 안전한 결제인증 서비스를 제공하는 브이피(주)에서 운영하고 있습니다. · 홈페이지 : www.vp.co.kr · 고객센터 : 1577-3033 (평일 09:00~18:00, 주말 및 공휴일 제외) · 주소 : 서울시 중구 을지로 170 을지트윈타워 13층 브이피
Toss
Manage all your financial accounts, including banking, investments, loans, and insurance, in one place. Enjoy fee-free transfers, personalized financial advice, and easy access to loan and insurance options. Invest simply and track your spending effortlessly.
- Consolidated account overview
- Fee-free money transfers
- Interest-earning bank accounts
- Loan comparison tool
- Personalized insurance recommendations
- Simplified stock investing
- English language support
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Download the Toss app to use Toss Bank and Toss Securities ● Get a full overview of your finances at a glance - Manage all your accounts—savings, installment deposits, housing subscriptions, investments, and loans—conveniently in one place with Toss. - Stay on top of your income, spending, and card spending requirements. - Easily track monthly bills, insurance payments, subscriptions with no extra effort. ● Safe, simple, and fee-free transfers - Transfer fees are free for life at Toss, no matter which bank you use. - Scan for scam & fraud accounts in advance to safely send money. ● Banking reinvented for you - Even one day is enough to start earning interest with a Toss Bank account. - Get interest in advance with a Toss Bank account—before it matures. - Easily get a debit card you can use abroad with no foreign transaction fees. ● Instantly look up your loan options - Compare loan offers from 75 different financial institutions—including 16 from the banking sector—in under a minute. - Enjoy special promotions like 1-year interest support and more. ● Smart insurance recommendations tailored to you - Find out what coverage you're missing compared to your peers and get personalized suggestions. - Submit a medical bill claim and get reimbursements without the hassle of paper work ● Investing made simple for everyone - Simple terms anyone can understand. - Get curated news on stocks you follow. - Share information in the community or get tips from top investors. ● Users can now use Toss in English - Toss is now available in English. - To use Toss in English, change your language settings to English. ● Accessibility Features Supported - The VoiceOver feature can be enabled for screen reading. - Text size can be increased, and the screen can be zoomed in for easier viewing. - High contrast and color-independent display options make the screen easier to view. - The app is optimized for Dark Mode as well. ● Toss is operated by Viva Republica Viva Republica, a leading fintech company in Korea, is officially registered as an electronic financial business under Article 28 of the Electronic Financial Transactions Act. The company earned this designation after passing security and monitoring inspections by the Financial Supervisory Service and receiving approval from the Financial Services Commission. In 2019, Viva Republica was ranked 29th on the "Top 100 Fintech Companies in the World" list by KPMG and H2 Ventures. Today, it holds more official partnerships with banks and securities firms than any other fintech company in Korea. ● Toss only asks for required permissions You can use the app without granting the optional permissions, though some feature may not be available. Here's what each option permission is used for. [Optional permissions] - Contacts: Used to enable features such as sending money to contacts and selecting profile photos - Notifications: sending notifications, receiving ARS verification code - Camera: Reading and uploading QR codes, cards, and ID cards - Photos: storing and uploading photo - Location: detecting current locating and preventing fraudulent transactions - Motion & Fitness: tracking steps (for Toss Walk) - Face ID: secure login without a PIN - Bluetooth: find and connect to nearby devices - Calendar: add important dates to your calendar - NFC: scan IDs and passports for identity verification - Tracking: measure ad performance and verify reward eligibility for features such as Weekly Missions ● Accessibility Features Supported · The VoiceOver feature can be enabled for screen reading. · Text size can be increased, and the screen can be zoomed in for easier viewing. · High contrast and color-independent display options make the screen easier to view. · The app is optimized for Dark Mode as well. ● Toss is open 24/7, 365 - Phone number 1599-4905 - KakaoTalk @toss - Email support@toss.im - EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Toss at 4.3 against 페이북/ISP's 3.6. Toss also leads on in-app purchases (none vs 1) and ads (none vs shown). 페이북/ISP's advantage is device support (3 vs 1) and iOS requirement (15.8 vs 18.0). On price, ratings volume, update cadence and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. 페이북/ISP sells 1 one-off in-app purchase. Toss asks for nothing beyond the download.
Toss holds the better App Store score, 4.3 against 3.6. Both are backed by a comparable volume of ratings — 514 and 638 respectively. Written reviews point the same way: 28% of 페이북/ISP's written reviews are positive against 54% of Toss's.
페이북/ISP ships an update fortnightly, Toss weekly. The most recent releases landed on September 29, 2026 and October 1, 2026 respectively.
| Parameter | 페이북/ISP | Toss |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (514 ratings) | 4.3 (638 ratings) — better |
| Positive reviews | 27.5% of reviews | 53.7% of reviews — better |
| Number of ratings | 514 | 638 — better |
| Update frequency | Fortnightly | Weekly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod, Apple Watch — better | iPhone |
| Requires iOS | 15.8 — better | 18.0 |
| Further details — not scored | ||
| Size | 488 MB | 446 MB |
| Age rating | 4+ | 4+ |
| Developer | VP Inc. | Viva Republica |
Customer experience
페이북/ISP
Toss
User reviews
페이북/ISP
From 514 App Store ratingsWhat we love
- 👍 Convenient QR code payment
- 💡 Continuous discount events
- 🚀 Quick and easy to use
Room to improve
- 🐛 Frequent app crashes
- 🔋 High data consumption
- 🤔 Confusing and cluttered UI
- 🔒 Lack of biometric login support
- 🙅♀️ Difficult for overseas users
Toss
From 638 App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient money transfers
- 💡 Useful features beyond just money transfers
- 🔒 Secure banking experience
Room to improve
- 🐛 Occasional app crashes and freezes
- 🔋 High data usage and battery drain
- ⏱️ Slow app performance on older devices
- 🚫 Limited support for foreign users and accounts
Bugs and requests
페이북/ISP
Reported bugs
3 issues- Errors during payment process
- Inability to register non-Korean phone numbers
- Incompatibility with certain devices/OS versions
Requested features
4 requests- Support for face ID/fingerprint login
- Improved performance and stability
- More user-friendly interface design
- Better support for overseas users
Toss
Reported bugs
3 issues- Inconsistent card recognition and payment processing
- Unreliable account balance and transaction history display
- Frequent app crashes during critical functions
Requested features
4 requests- Add English language support
- Improve overseas banking capabilities
- Introduce iPad/tablet app version
- Enhance customization options
In-app purchases
페이북/ISP
- 안전결제 프리미엄 서비스 1년이용권$5.99
Toss
No in-app purchases







