Toss
Toss: A free mobile transfer app with fraud monitoring and family alerts. Ranked #51 of 81 in Money Transfer Apps by our editors (5.3/10); pricing: Free plan; best for free transfers with fraud monitoring.
At a glance
- Editor score5.3 / 10
- PricingFree plan
- Best forFree transfers with fraud monitoring
- Free planYes
- Paid fromFree
- Transfer speedInstant
- Facts checked20 Sep 2026
Where it wins
- Free domestic transfers for life
- Phone-number transfers without an account number
- Fraud monitoring and family alerts for risky transfers
Where it doesn't
- International remittance fees and exchange rates vary
- International remittances use SentBe for eligible users
- Available as a mobile app rather than a desktop product
Our verdict on Toss
Toss is a mobile financial app operated by Viva Republica for consumers who want to send money from a phone. It supports bank-account transfers and transfers to contacts using a phone number instead of an account number. The app is available on iOS and Android, with instant transfers, recurring transfers, bill splitting, and real-time international transfer tracking. Its broader financial tools include account aggregation and a financial overview, alongside banking and investment services.
Pricing is straightforward for domestic use: Toss provides free domestic transfers for life, with a free plan and a starting price of 0. That makes it a clear fit for routine transfers, scheduled payments, shared bills, and contact-based payments without a listed domestic transfer charge. International remittances are available for foreign residents in Korea through SentBe, but fees and exchange rates vary by destination and transfer method. Buyers focused on international transfers should therefore review the applicable terms for their specific route before choosing the service.
Fraud monitoring is a notable part of the product’s scope. Toss includes real-time fraud monitoring and family alerts for risky transfers, adding safeguards around everyday payments. Real-time tracking also gives international transfers a dedicated status feature. The trade-off is focus: Toss is designed primarily as a mobile consumer app, and international remittance access is tied to foreign residents in Korea and a SentBe partnership. Choose Toss for free domestic transfers, phone-based recipient selection, recurring payments, bill splitting, and transfer monitoring. Consider another option if you need a desktop-first experience or international coverage outside its stated eligibility and transfer arrangements.
Your product? Our editors can test Toss in depth and publish a review, labelled as paid · from $149/mo →
Toss pricing
Toss fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Recipient methods | Bank |
| Transfer speed | Instant |
| Exchange-rate model | Not verified |
| Mobile platforms | Both |
| Upfront fee display | Not verified |
| Transfer tracking | Yes |
| Scheduled transfers | Yes |
| Deployment | Cloud, Mobile |
| Platforms | iOS, Android |
| Support | Email, Live chat, Phone, Docs · 24/7 |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan |
| Website | toss.im |
| Facts checked | 20 Sep 2026 |
Alternatives to Toss
- WiseA transparent option for international transfers across web and mobile.9.4
- TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.9.2
- Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.9.0
Also Ranked In
Toss is ranked in 2 of our directories.
Used Toss? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Toss for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Toss is listed in our Money Transfer Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/toss/"><img src="https://www.itechguides.com/best/badge/toss.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update