Can life be as simple as sending money?

Toss discovered people’s deep desire to use emerging technology to solve inconveniences they never thought of solving. From there, Toss began transforming finance itself. As the flow of money changed, so did our daily lives. Meet the Toss Community: ten affiliates and subsidiaries working together to make finance simple and accessible for everyone, and to build a world where people can live with greater peace and security.

FROM UNCLEAR TO CLEAR FROM COMPLEX TO SIMPLE MAKING FINANCE ACCESSIBLE

Toss Bank

A bank of innovation and inclusion, opening the benefits of the banking sector to more people. Since its launch in October 2021, Toss Bank has introduced user-centric services that transformed banking into something entirely new that customers now find the old system unimaginable. Its offerings include the Toss Bank Account, which allows customers to receive interest whenever they choose; a foreign exchange account with zero exchange fees; and services enabling foreigner users to conveniently open accounts remotely.

Toss Securities

A securities firm that makes trading easy and intuitive, seeking to put the power of investment into everyone’s hands. In March 2021, Toss Securities officially launched a user-friendly Mobile Trading System (MTS). Offering services such as real-time fractional trading of overseas stocks and stock savings, it set a new standard in stock investing. Toss Securities continues to lower the barriers to entry with AI technology, pursuing its vision of delivering power to all investors.

Toss Insurance

Based on the core values of trust and transparency, Toss Insurance is a licensed insurance agency (GA) that delivers experiences customers can understand and feel confident in. Rather than simply selling insurance, it recommends coverage tailored to each customer’s needs, while providing planners with training to strengthen their expertise and fair compensation. By building a healthy virtuous cycle where customer trust and planner growth go hand in hand, Toss Insurance is setting a more reasonable standard for the industry.

Toss Income

Toss Income helps customers manage taxes that are often difficult to handle on their own. From regular filing of comprehensive income tax to rectification claims and late filings, everything can be resolved in one simple solution. It is also creating a new culture around tax refunds with services such as advance refunds and a compensation program. Looking ahead, Toss Income plans to expand into a comprehensive service that covers all aspects of income, which is the starting point of everyone’s financial life.

A RELIABLE PARTNER FOR COMPANIES BIG AND SMALL

Toss Payments

A payment partner that makes online business seamless. Toss Payments simplifies the once complex and tedious PG integration process, quickly providing payments for everyone. It offers every electronic payment method an online business might need, from cards and account transfers to billing and simple payments. By supporting the growth of countless businesses, both big and small, Toss Payments is shaping a new future for the payments industry.

Toss Place

A store management solution that began with a “pretty device.” Toss Place has grown into an all-in-one service that works like a kiosk and offers features such as order pick-up, inventory management, gift cards, coupons, loyalty points, and customer management. Its goal is to ensure that businesses aren’t left behind due to limited access to capital or technology in a rapidly changing world. By making store operations more efficient, Toss Place is building an innovative ecosystem for business owners.

BOUNDLESS EXPANSION ERASING EVERY INCONVENIENCE

Toss Mobile

Toss Mobile, a mobile virtual network operator (MVNO) service, introduces a new way to connect with flexible plans and a seamless experience. Users enjoy data cashback, personalized pricing, quick and easy signup, and fast USIM delivery. With everything from bill checks to data management available in the Toss app, simplicity and convenience is at everyone’s fingertips. Toss Mobile combines affordability with quality, opening a new era of mobile communication designed to be easy and intuitive.

VCNC

Driven by the belief that better mobility creates a better life, Tada delivers a comfortable and seamless ride experience from pickup to drop-off. By redefining the standard of mobility, VCNC is building a world where every journey is free from stress.

Toss CX

Toss CX is our customer representation center that completes the financial experience at the closest point to customers. At the very forefront of customer touch points, Toss CX is responsible for both product operations and customer experience. Issues uncovered during consultations are directly connected to product and service improvements, and even with waves of new services, CX is one step ahead and ready to serve. To deliver on the value of a perfectly satisfying service experience, Toss CX provides non-face-to-face consultation 24 hours a day, 7 days a week.

Toss Insight

A Financial Business Research Institute that sets the direction for future finance and fintech innovation. Through in-depth analysis of domestic and global financial and economic trends, it delivers meaningful insights to the industry, while also shaping growth strategies and policy recommendations for Toss. By offering perspectives that span across finance and technology, industry and regulation, Toss Insight ensures that the financial innovation achieved by Toss translates into broader benefits and progress for society.

Writer Donghae Yoon, Toss Brand Manager Soeun Joo, Toss Brand Manager

✽Toss Securities - Investors have the right to receive sufficient explanations from Toss Securities regarding financial investment products. Please read the product prospectus and terms and conditions carefully before investing. - This financial product is not protected under the Depositor Protection Act. - Financial investment products may result in losses of principal (0–100%) due to fluctuations in asset prices, exchange rates, and credit ratings, and such losses are borne by the investor. - The overseas stock trading fee is 0.1%. Please refer to our website for further details. - For overseas stock investments, the currency exchange fee is based on a spread of 1% over the base exchange rate. During market hours (KST business days 09:10–15:20), a 95% discount applies, resulting in a fee of 0.05%. During non-market hours (KST 15:20–09:10), weekends, and holidays, a 50% discount applies, resulting in a fee of 0.5%. - The base exchange rate refers to (buying rate + selling rate)/2, and Toss Securities applies the real-time base exchange rate provided by the settlement bank. - Since there is a difference between the buying and selling exchange rates, costs may be incurred during currency exchange. - Transfers to other securities firms are only available for whole share balances, and fractional shares cannot be transferred to other firms. - Fractional share trading services are not available for all stocks, so investors must confirm which stocks are eligible with the securities firm. - As securities firms aggregate multiple investors’ fractional trading orders for execution, there may be differences between the investor’s order time and the actual execution time. As a result, the trading price or the actual number of shares allocated may vary. - Toss Securities Compliance Officer Review No. 2026-41 (2026-02-11 ~ 2027-02-10)