Comparison

KB스타뱅킹 vs Toss

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

KB스타뱅킹

This app offers a comprehensive digital banking and lifestyle platform. It provides secure mobile identification, exclusive telecom plans, and financial services for teens. Manage group accounts, set up auto-login, and receive personalized financial insights and investment information.

Highlights
  • Mobile ID service
  • Exclusive telecom plans
  • Teens financial service ('Pocket')
  • Health insurance QR service
  • Group account management
  • Automatic login with KB National Certificate
  • Account opening and internet banking registration
  • Real-time notifications for alerts and financial info
Features
Read full description

나를 위한 쉽고 편한 생활금융플랫폼, KB스타뱅킹을 이용해보세요. ■ 신분확인이 필요한 모든 순간에 실물 신분증 대신 KB스타뱅킹 '모바일신분증 서비스'로! ■ KB스타뱅킹을 이용하면 혜택을 받을 수 있는 'KB스타뱅킹 전용 통신요금제'도 간편하게 가입할 수 있어요. ■ (만 14세~18세 고객 대상) 본인명의 휴대폰만 있다면 신분증 없이 '포켓'을 개설해서 송금, 결제, 카드 이용이 가능한 'KB스타틴즈 서비스'를 이용해 보세요! ■ 병원에서 신분확인이 필요할 때 KB스타뱅킹 '건강보험 QR 서비스'로 간편하게! ■ 이제 'KB모임통장 서비스'로 KB스타뱅킹에서 모임 관리도 편리하게 가능해요. ■ KB국민인증서로 '자동로그인'을 설정하면 앱을 열자마자 자동으로 로그인이 되어요! ■ 본인명의 휴대폰과 신분증만 있다면, 은행 방문 없이 '입출금 통장 개설과 인터넷뱅킹 가입'까지 한 번에!(만 14세 이상) ■ 입출금 알림과 혜택·투자정보 등 지금 나에게 필요한 실시간 '알림'을 KB스타뱅킹으로 받아보세요. ■ 만기·수익률, 상품정보와 지점에서 보낸 메시지 등 나를 위한 맞춤형 정보와 전문화된 자산관리도 받으실 수 있어요. ■ KB금융그룹 상품조회와 주식매매, KB Pay, 보험설계 등 특화서비스까지 KB스타뱅킹 하나로 이용하세요 ■ 'KB국민인증서'로 더 빠르고 안전하게! · KB국민인증서는 스마트폰의 안전 영역에 KB국민은행 인증서를 발급하고 저장하여 탈취/복제 걱정 없이 KB스타뱅킹을 이용할 수 있는 서비스입니다. (1인 1기기) · 보안카드 또는 OTP 없이도 간편하고 안전하게 거래해보세요. · 해외 직구할 때 개인통관고유부호 발급부터 건강보험료 납부, 연말정산까지! KB국민인증서로 경험할 수 있는 편리함은 점점 늘어납니다. ■ KB 스타뱅킹 고객 소통창구 · 인터넷 채팅상담: KB스타뱅킹 홈 > 챗봇/상담 > 챗봇/상담채팅 (챗봇상담: 24시간) · 네이버 블로그 : https://blog.naver.com/kbebiz_star 클릭 또는 네이버 검색창 內 '네이버 블로그' 검색 > 블로그 검색 입력 창에 'KB스타뱅킹 앱리뷰' 입력 · 부점메일: kbg460003@kbfg.com · 고객센터: 1588-9999, 1599-9999, 1644-9999(0번▶3번) (해외: +82-2-6300-9999) (전화상담: 평일 9-18시) ■ 앱 접근권한에 대한 고지 정보통신망 이용촉진 및 정보보호 등에 관한 법률 제22조의 2(접근권한에 대한 고지) 및 동 시행령 개정에 따라 KB스타뱅킹 서비스 제공을 위하여 필요한 접근권한을 아래와 같이 안내드립니다. · 선택적 접근권한 - 주소록: 연락처이체 수취인 연락처, 이체 후 SMS 전송을 위한 연락처를 불러올 때 사용합니다. - 위치: 번호표 발행과 지점검색 등 가까운 지점과 자동화기기를 찾을 때 사용합니다. - 카메라: QR코드를 이용해 공동인증서를 복사하거나 공과금을 촬영하여 납부할 때 사용합니다. - 마이크: 비대면 실명확인을 위한 영상통화 연결 시 사용합니다. - 사진: 이체 완료 후 특별한 송금메시지 보내기, 일부 예적금 상품의 전용화면에서 프로필 사진 설정, 통장 사본 이미지 저장 등에 사용합니다. - 알림: 실시간 Push알림을 발송할 때 사용합니다. - 동작 및 피트니스: KB매일걷기 서비스를 이용할 때 사용합니다. KB매일걷기 서비스는 애플 건강앱(Healthkit)과 연동하여 걸음수 등의 건강 정보를 공유 받을 수 있습니다. ※ 선택적 접근권한의 허용에 동의하지 않아도 서비스 이용이 가능하나, 필요한 일부 기능 사용에 제한이 있을 수 있습니다. ■ 공지사항 · iOS 13.0 이상의 스마트기기를 사용하는 개인인터넷뱅킹 고객님이시라면 누구든지 KB스타뱅킹을 이용하실 수 있습니다. ※ 베타버전 OS를 사용하시는 경우 KB스타뱅킹이 정상적으로 구동되지 않을 수 있습니다. 정식버전 OS 이용을 권장드립니다. · 이동통신사 3G/LTE/5G, 무선인터넷(Wi-Fi)을 통해 설치할 수 있으며, 3G/LTE/5G에서는 이용하시는 요금제에 따라 정해진 용량이 초과된 경우 데이터 요금이 부과될 수 있습니다. · 금융감독당국의 지침에 따라 전자금융 사고 예방을 위해 임의로 개조(탈옥, 루팅)한 스마트기기에서는 KB스타뱅킹 이용이 불가하며, 특정 앱이 설치되어있는 경우에도 임의 개조한 기기로 인식할 수 있습니다. (A/S센터 문의 및 초기화 권장) · 업데이트 후 공동인증서가 보이지 않는 경우 [전체메뉴 > 인증/보안 > 다른 인증수단 > 공동인증서 > 인증서관리 > 인증서 이용위치설정] 메뉴에서 'Olleh 인증서 이용'으로 변경 후 이용해보시기 바랍니다.

About

Toss

Manage all your finances in one place, from bank accounts and investments to loans and insurance. Enjoy fee-free transfers, earn interest on your savings, and compare loan offers instantly. Get personalized insurance recommendations and simplify investing with easy-to-understand terms.

Highlights
  • Consolidated financial overview
  • Fee-free money transfers
  • Interest-earning bank accounts
  • Loan offer comparison
  • Personalized insurance recommendations
  • Simplified investing tools
  • English language support
Features
Read full description

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

KB스타뱅킹4 screens
Toss4 screens

Verdict

The call

The clearest difference is ads: Toss at none against KB스타뱅킹's shown. Toss also leads on monetization model (free vs free with in-app purchases) and update cadence (weekly vs every 2 weeks). KB스타뱅킹's advantage is review sentiment (71% vs 57%) and device support (3 vs 1). On price, rating, ratings volume and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

KB스타뱅킹 holds the better App Store score, 4.5 against 4.3. Both are backed by a comparable volume of ratings — 1.2K and 639 respectively. Written reviews point the same way: 71% of KB스타뱅킹's written reviews are positive against 57% of Toss's.

UpkeepUpdate frequency

KB스타뱅킹 ships an update every 2 weeks, Toss weekly. The most recent releases landed on November 10, 2026 and November 12, 2026 respectively.

Scorecard6 real differences · 4 level
KB스타뱅킹 versus Toss: the parameters behind the verdict, then further details
ParameterKB스타뱅킹Toss
PriceFreeFree
Rating4.5 (1.2K ratings) — better4.3 (639 ratings)
Positive reviews71.0% of reviews — better56.7% of reviews
Number of ratings1.2K — better639
Update frequencyEvery 2 weeksWeekly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better18.0
Further details — not scored
Size156 MB442 MB
Age rating4+4+
DeveloperKookmin Bank Co., Ltd.Viva Republica

Customer experience

KB스타뱅킹

All ratings1,232 ratings
Positive87.5%
Neutral3.0%
Negative9.5%
Written reviews373 reviews
Positive71.0%
Neutral2.1%
Negative26.8%

Toss

All ratings639 ratings
Positive83.6%
Neutral3.0%
Negative13.5%
Written reviews270 reviews
Positive56.7%
Neutral10.4%
Negative33.0%

User reviews

KB스타뱅킹

From 1.2K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 🚀 Fast and efficient service
  • 🔒 Reliable and secure
  • 💡 Helpful features like account hiding and exchange rate
  • 👍 Friendly and helpful staff

Room to improve

  • 🐛 Occasional crashes and performance issues
  • 🕰️ Slow loading times and app responsiveness
  • 🔒 Strict security measures can be inconvenient
  • 🤔 Confusing or cluttered UI in some areas

Toss

From 639 App Store ratings

What 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

KB스타뱅킹

Reported bugs

3 issues
  • App crashes or freezes during use
  • Compatibility issues with newer devices or OS versions
  • Unreliable facial recognition or other biometric authentication

Requested features

4 requests
  • Improve app stability and performance
  • Streamline security processes for better user experience
  • Enhance UI/UX design for better navigation and accessibility
  • Expand mobile services and integrations

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

None

KB스타뱅킹

No in-app purchases

None

Toss

No in-app purchases

Questions

Is KB스타뱅킹 free?
KB스타뱅킹 is free to download, with no in-app purchases.
Is Toss free?
Toss is free to download, with no in-app purchases.
Which has better reviews, KB스타뱅킹 or Toss?
KB스타뱅킹 is rated higher. KB스타뱅킹 averages 4.5 out of 5 from 1.2K ratings, while Toss averages 4.3 from 639 ratings.
Do KB스타뱅킹 or Toss have ads?
KB스타뱅킹 shows ads; Toss does not.
Which is updated more often, KB스타뱅킹 or Toss?
KB스타뱅킹 ships an update every 2 weeks, and Toss weekly. Most recently, KB스타뱅킹 was updated on November 10, 2026 and Toss on November 12, 2026.

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