# 페이북/ISP vs Toss

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.

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.

## The numbers

| Metric | 페이북/ISP | Toss |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (514 ratings)](https://appshunter.io/ios/app/isp/id369125087/reviews) | **[4.3 (638 ratings)](https://appshunter.io/ios/app/toss-make-finance-easier/id839333328/reviews)** |
| Number of ratings | 514 | **638** |
| Positive reviews | 27.5% of reviews | **53.7% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 488 MB | 446 MB |
| Requires iOS | **15.8** | 18.0 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [VP Inc.](https://appshunter.io/developer/366728012) | [Viva Republica](https://appshunter.io/developer/446370314) |

## What reviewers say

### 페이북/ISP

[App page](https://appshunter.io/ios/app/isp/id369125087)

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.

**Highlights:** 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

**Features:** Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 안전결제 프리미엄 서비스 1년이용권 | $5.99 | one-time |

**What reviewers like**

- 👍 Convenient QR code payment
- 💡 Continuous discount events
- 🚀 Quick and easy to use

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔋 High data consumption
- 🤔 Confusing and cluttered UI
- 🔒 Lack of biometric login support
- 🙅‍♀️ Difficult for overseas users

**Reported bugs**

- Errors during payment process
- Inability to register non-Korean phone numbers
- Incompatibility with certain devices/OS versions

**Requested features**

- Support for face ID/fingerprint login
- Improved performance and stability
- More user-friendly interface design
- Better support for overseas users


### Toss

[App page](https://appshunter.io/ios/app/toss-make-finance-easier/id839333328)

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.

**Highlights:** Consolidated account overview, Fee-free money transfers, Interest-earning bank accounts, Loan comparison tool, Personalized insurance recommendations, Simplified stock investing, English language support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient money transfers
- 💡 Useful features beyond just money transfers
- 🔒 Secure banking experience

**What reviewers complain about**

- 🐛 Occasional app crashes and freezes
- 🔋 High data usage and battery drain
- ⏱️ Slow app performance on older devices
- 🚫 Limited support for foreign users and accounts

**Reported bugs**

- Inconsistent card recognition and payment processing
- Unreliable account balance and transaction history display
- Frequent app crashes during critical functions

**Requested features**

- Add English language support
- Improve overseas banking capabilities
- Introduce iPad/tablet app version
- Enhance customization options


## Frequently asked questions

### Is 페이북/ISP free?

페이북/ISP is free to download, with in-app purchases available.

### Is Toss free?

Toss is free to download, with no in-app purchases.

### Which has better reviews, 페이북/ISP or Toss?

Toss is rated higher. 페이북/ISP averages 3.6 out of 5 from 514 ratings, while Toss averages 4.3 from 638 ratings.

### Do 페이북/ISP or Toss have ads?

페이북/ISP shows ads; Toss does not.

### Which is updated more often, 페이북/ISP or Toss?

페이북/ISP ships an update fortnightly, and Toss weekly. Most recently, 페이북/ISP was updated on September 29, 2026 and Toss on October 1, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*