# KB스타뱅킹 vs Toss

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.

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

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.

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

## The numbers

| Metric | KB스타뱅킹 | Toss |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (1.2K ratings)](https://appshunter.io/ios/app/kb/id373742138/reviews)** | [4.3 (639 ratings)](https://appshunter.io/ios/app/toss-make-finance-easier/id839333328/reviews) |
| Number of ratings | **1.2K** | 639 |
| Positive reviews | **71.0% of reviews** | 56.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 156 MB | 442 MB |
| Requires iOS | **13.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Kookmin Bank Co., Ltd.](https://appshunter.io/developer/373742141) | [Viva Republica](https://appshunter.io/developer/446370314) |

## What reviewers say

### KB스타뱅킹

[App page](https://appshunter.io/ios/app/kb/id373742138)

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:** Safari Extension

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

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

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