신한 SOL페이 vs Toss
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
신한 SOL페이
This comprehensive financial platform integrates payments, asset management, and lifestyle services. It offers convenient banking, shopping, content, and exclusive benefits from the Shinhan Financial Group, all accessible through a user-friendly interface.
- Integrated payments and banking
- Comprehensive asset management
- Personalized content and shopping
- Exclusive Shinhan Financial Group benefits
- Easy membership and card registration
- Digital ID and certificate management
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완전히 새로워진 SOL페이를 소개합니다. 신한카드가 없어도 앱을 쉽게 시작하고 이용할 수 있어요! ■ SOLPay 5탭 소개 가장 필요한 것만 담은 “홈” • 중요한 소식과 혜택은 놓치지 않게 상단에서 확인해보세요. • 자주 쓰는 메뉴를 직접 배치할 수 있어요. • 명세서, 카드별 소비, 최근이용내역 등 내 소비를 빠르게 확인할 수 있어요. 실속있는 일상 혜택만 골라주는 “혜택” • 상단에서 받은 혜택을 언제나 쉽게 확인할 수 있어요. • 매일 쌓이는 포인트와 바로 쓸 수 있는 쿠폰을 만나보세요. 결제와 혜택을 한곳에, “결제” • 상단의 현장, PC결제/인증으로 간편하게 결제해보세요. • 결제할 때 쓸 수 있는 혜택만 따로 모아 더 똑똑하게 소비할 수 있어요. 최적의 대출 조건을 제시하는 “금융” • 맞춤 금리와 한도를 금융 홈에서 바로 확인하고 빠르게 신청해보세요. • 대출 상품을 잘 모를 땐 상단의 금융 전용 챗봇을 이용해보세요. 데이터가 추천하는 카드 제안, “카드” • 보유한 카드 별로 카드 실적을 빠르게 확인할 수 있어요. • 내 소비 패턴을 기반으로 더 유리한 카드를 제안 받아보세요. 꼭! 알아두세요 • 본인 명의 휴대폰에서만 이용할 수 있습니다. • iOS 15.0버전 이상에서 이용할 수 있습니다. • 안전한 금융거래를 위해 최신 버전 업데이트를 권장합니다. • 루팅, 탈옥 등 임의 개조한 휴대폰에서는 이용할 수 없습니다. • 기기 변경 시 애플 계정 백업을 통해 앱을 재설치한 경우 이용할 수 없습니다. 앱스토어에서 앱을 다시 다운로드받아 설치 후 이용해 주세요. • 앱 다운로드 및 서비스 이용 시 가입된 요금제에 따라 데이터 요금이 발생할 수 있습니다. • 오프라인 결제는 이동통신사 네트워크(5G/LTE/3G 등) 접속 시에만 이용할 수 있습니다. • Wi-Fi 접속 시에는 온라인 결제(PC/모바일 결제)만 이용할 수 있습니다. ■ 저희가 더 많은 일을 도와드릴 수 있도록 권한을 허용해 주세요. [선택] • 카메라 : QR·바코드 정보 인식 · 위치 : 위치기반 서비스 이용 • 마이크 : 음파결제 등의 서비스 이용 • 알림 : 카드 사용 알림, 이벤트 등 알림 메시지 수신 • 페이스 ID : 페이스 ID 인증(페이스 ID 지원 단말기에 한함) • 캘린더 : 캘린더 서비스 이용 · 연락처 : 선물하기 서비스 이용 • 이미지 저장 : 영수증 이미지 저장 기능 이용 * 선택적 접근 권한 허용에 동의하지 않아도 서비스 이용이 가능합니다. * 설정하신 권한은 [휴대폰 설정 > 신한 SOL페이] 메뉴에서 변경할 수 있습니다 [지오펜싱 안내] - 사용자의 현재 위치를 기반으로 주변 상점의 혜택, 할인쿠폰, 이벤트 등의 알림을 즉시 제공하기 위해, 앱이 닫혀있을 때나 사용하지 않을 때에도 사용자의 위치 데이터를 수집합니다. 또한 이 데이터는 광고를 지원하기 위해서도 이용됩니다. ■ 신한카드는 고객님의 말씀을 항상 경청합니다 • 모바일 전담 고객센터: 1544-9955 • 신한카드 고객센터: 1544-7000 • 신한카드 홈페이지: www.shinhancard.com 앞으로도 지속적인 업데이트를 통해 다양하고 편리한 서비스를 제공할 예정입니다. 항상 저희 신한카드를 이용해주시는 고객님께 진심으로 감사드립니다.
Toss
Manage all your financial accounts, including savings, investments, and loans, in one place. Enjoy fee-free transfers, personalized insurance recommendations, and easy access to loan options from multiple institutions. Invest simply with curated news and community tips.
- Consolidated account management
- Fee-free money transfers
- Instant loan comparisons
- Personalized insurance recommendations
- Simplified investing tools
- Accessible English interface
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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 신한 SOL페이's 3.2. Toss also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). 신한 SOL페이's advantage is iOS requirement (15.0 vs 18.0). On price, ratings volume, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.
Toss holds the better App Store score, 4.3 against 3.2. Both are backed by a comparable volume of ratings — 337 and 639 respectively. Written reviews point the same way: 37% of 신한 SOL페이's written reviews are positive against 57% of Toss's.
신한 SOL페이 ships an update monthly, Toss weekly. The most recent releases landed on November 8, 2026 and November 9, 2026 respectively.
| Parameter | 신한 SOL페이 | Toss |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (337 ratings) | 4.3 (639 ratings) — better |
| Positive reviews | 36.9% of reviews | 56.7% of reviews — better |
| Number of ratings | 337 | 639 — better |
| Update frequency | Monthly | Weekly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 263 MB | 442 MB |
| Age rating | 4+ | 4+ |
| Developer | Shinhan Card Co., Ltd. | Viva Republica |
Customer experience
신한 SOL페이
Toss
User reviews
신한 SOL페이
From 337 App Store ratingsWhat we love
- 👍 Convenient and easy to use
- 🚀 Fast and efficient app
- 💡 Innovative features like Play to Earn
- 🔒 Secure app with good security features
Room to improve
- 🐛 Frequent crashes and bugs
- 🤔 Confusing UI and navigation
- ⚠️ Unreliable app performance
- 🤯 Frustrating user experience
Toss
From 639 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
신한 SOL페이
Reported bugs
4 issues- Login and authentication issues
- Incompatibility with certain devices
- Unreliable in-app payments and transactions
- Frequent app freezes and force closures
Requested features
4 requests- Improve app stability and reduce crashes
- Simplify UI and make navigation more intuitive
- Provide better support for overseas users
- Add more customization options
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
신한 SOL페이
No in-app purchases
Toss
No in-app purchases







