Toss review
A free mobile transfer app with fraud monitoring and family alerts.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Toss pros and cons
- 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
Toss fact sheet, pricing and score →
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