Toss Reaches 30 Million Cumulative Subscribers

• Over 90% of people in their 20s and 30s use Toss … chosen as the entry point for financial life
• 76% subscription rate among the working-age population … expanding user base centered on leading income and consumption groups

Viva Republica, the operator of the financial super app “Toss,” announced that its cumulative subscribers have surpassed 30 million as of the end of July. In its 10th anniversary year, Toss has established itself as the leading financial platform used by 6 out of 10 people in Korea.

The subscription rate was particularly high among people in their 20s and 30s, who are beginning their financial activities in earnest. Based on resident registration population statistics from the Ministry of the Interior and Safety in July, an analysis of Toss subscribers by age group shows that about 95% of people in their 20s (5.54 million) and about 87% of people in their 30s (5.8 million) have subscribed. The overall subscription rate for people in their 20s and 30s exceeds 91%. This indicates that the 20s and 30s generation, who are starting to actively manage their financial lives, primarily choose Toss.

This trend is not limited to the 20s and 30s. Expanding the scope to the entire working-age population (15 - 64), who are the most economically active, about 26.74 million people have subscribed to Toss, with a subscription rate of 76%. The fact that more than 7 out of 10 people in the group with the most financial transactions have chosen Toss supports that it has stably secured a broad user base across age groups.

Toss currently provides a wide range of financial services integrated within a single app, including money transfer, payment, investment, banking, credit inquiry, authentication, tax, loan, and insurance brokerage. Users can seamlessly carry out multiple financial activities in one flow without visiting institutions or undergoing complicated procedures, and Toss has established its position as a “financial super app” based on this structure.

This growth has been supported by the design of user-centered financial experiences. Toss has introduced various innovations in the financial industry for the first time, such as simple transfer without a public certificate, ₩1 verification, free credit score inquiry, loan comparison service, fraud alerts, and a safety compensation system, thereby contributing to greater accessibility and convenience in financial services.

Going forward, Toss will further accelerate its vision of becoming a “lifestyle super app beyond finance.” At the 10th anniversary press conference in February, Toss presented its direction of “beyond finance to lifestyle, beyond online to offline, beyond Korea to global,” signaling a turning point for service expansion. In practice, Toss is accelerating strategy execution by building the “App-in-Toss” ecosystem, connecting various partners’ lifestyle services within the Toss app.