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토스의 모든 것

토스

도구의 변화에 흔들리지 않는 ‘벡터적 사고’ 함양 목표…8주 집중 훈련 프로그램
인문기술 접근 기반 2개 트랙 운영…AI를 협력자로 활용하는 실전 프로젝트 중심
의도적 실패 거쳐 스스로 학습하게 하는 차별화된 교육법…26일부터 홈페이지 접수
토스(운영사 비바리퍼블리카, 대표 이승건)의 디자인 교육 자회사 ‘파이 인스티튜트 오브 디자인(Phi Institute of Design, 이하 파이 디자인 스쿨)’이 2026년 첫 번째 공식 프로그램인 ‘프리코스(Pre-Course)’를 공개하고 수강생 모집을 시작한다고 밝혔다. 파이 디자인 스쿨은 토스가 UI/UX 등 디자인 산업 전반의 전문성을 체계적으로 강화시키고 국내 디자인 생태계에 기여하고자 지난해 10월 설립한 교육 기관이다.
파이 디자인 스쿨은 기술과 도구가 빠르게 변화하는 시대에도 선명한 결과물을 만들어낼 수 있는 ‘기본기’를 갖춘 인재를 양성하기 위해 출범했다. 이번 프로그램은 벡터(Vector)적 사고를 현장에 적용하는 첫 번째 시도로, 도구 변화에 좌우되지 않는 창작자를 키우겠다는 교육 철학을 담고 있다.
프리코스는 4월 20일에 시작해 총 8주에 거쳐 진행된다. 디자인 전공 여부와 관계없이 피그마, 코드, 3D 툴 등 도구를 직접 다뤄본 경험이 있는 학습자라면 누구나 수강할 수 있다. 교육은 서울 성동구 뚝섬역 인근에 위치한 파이 디자인 스쿨 캠퍼스에서 대면 중심으로 진행된다.
커리큘럼은 학습자의 지향점에 따라 각각 ▲인문적 접근 중심의 ‘트랙 A(Liberal Arts)’와 ▲기술적 접근 중심의 ‘트랙 B(Engineering)’로 나뉜다. 다만 두 트랙 모두 기계와 인간의 상호작용을 설계하는 ‘HID(Human Interface Design)’와 미감의 기준을 세우는 ‘미적 문해력(Aesthetic Literacy)’을 공통적으로 학습하게 된다. AI를 사유의 도구이자 협력자로 활용하는 방법을 체득하게 되는 것이 특징이다.
파이 디자인 스쿨의 교육 방식은 기존 대학이나 부트캠프와 차별된다. 일반적으로는 강의를 듣고난 후 과제를 수행하는 것이 자연스럽지만, 이곳에서는 무엇을 배우기에 앞서 과제를 먼저 수행하도록 해, 학습자 스스로 자신의 부족한 점을 발견하고 주체적으로 학습하도록 한다. 이 과정에서 파이 디자인 스쿨의 전문가들은 학습자가 길을 잃지 않도록 가이드 역할을 한다.
이번 프로그램은 ▲배우기 전에 먼저 부딪히며 의도적인 실패를 경험하는 ‘파운데이션(2주)’ ▲트랙별 수업과 프로젝트에 집중하는 ‘트랙(4주)’ ▲과정을 기록하고 결과물을 발행 가능한 형태로 다듬는 ‘랩업(2주)’ 등 세 단계로 구성된다. 또한 이번 프리코스 운영을 거쳐 오는 2026년 9월, 1년 과정의 오프라인 정규 프로그램을 본격적으로 가동할 계획이다.
김지홍 파이 인스티튜트 오브 디자인 대표는 “도구는 끊임없이 변하지만, 좋은 것을 가려내는 감각과 문제를 해체해 자신만의 해법으로 재조립하는 태도는 시간이 지나도 높은 가치를 인정받는다”며 “파이 디자인 스쿨은 변화의 속도를 뛰어넘는 교육 기관으로서, 자신만의 사고방식인 ‘나다움’을 확립한 인재를 키워내는 것에 주력할 것”이라고 밝혔다.
한편 본 프리코스는 3월 26일부터 3주간 홈페이지를 통해 신청자 접수를 받는다. 간단한 인적성 질의응답과 함께 디자인 결과물을 제출하면 지원이 완료된다. 모집 인원은 트랙당 30명씩 총 60명이며, 수강료는 120만 원이다. 


토스(운영사 비바리퍼블리카, 대표 이승건)의 디자인 교육 자회사 ‘파이 인스티튜트 오브 디자인(Phi Institute of Design, 이하 파이 디자인 스쿨)’이 2026년 첫 번째 공식 프로그램인 ‘프리코스(Pre-Course)’를 공개하고 수강생 모집을 시작한다고 밝혔다. 파이...

도구의 변화에 흔들리지 않는 ‘벡터적 사고’ 함양 목표…8주 집중 훈련 프로그램
인문기술 접근 기반 2개 트랙 운영…AI를 협력자로 활용하는 실전 프로젝트 중심
의도적 실패 거쳐 스스로 학습하게 하는 차별화된 교육법…26일부터 홈페이지 접수
토스(운영사 비바리퍼블리카, 대표 이승건)의 디자인 교육 자회사 ‘파이 인스티튜트

디자인 교육 자회사 설립

토스가 만든 ‘파이(Phi) 디자인 스쿨’ 정식 개소, 첫 공식 프로그램 수강생 모집

Easy and intuitive financial experience that’s never done before. With Toss, your everyday financial life is empowered.

Toss

Toss expands efforts to improve financial access for foreign residents in Korea through a hands-on marketing competition focused on driving real user engagement.
Selected participants to develop and execute marketing strategies with mentorship from Toss, with top teams receiving stipends and prizes of up to KRW 2 million.
Toss announced the launch of the “TOSS FOREIGNER BRIDGE CREW,” a hands-on marketing competition that allows participants to develop and execute real-world strategies.
As a leading fintech platform in Korea, offering services such as payments, money transfers, and personal finance management, Toss is building on its ongoing efforts to improve financial accessibility for foreign residents through this competition.
Toss has introduced multilingual support, enhanced its onboarding and identity verification systems, and recently expanded its international remittance service to 50 countries through a partnership with cross-border payments provider SentBe.
As part of the competition, participants will analyze the foreign resident market in Korea and design marketing strategies aimed at attracting new users and driving user adoption. Selected teams will execute their ideas with guidance from Toss mentors, gaining hands-on experience while testing their strategies in a real business environment.
The competition is open to individuals aged 19 or older residing in Korea, regardless of nationality. Applicants may apply individually or in teams of up to six. Selected teams will receive a stipend and an official certificate of completion. Based on performance, one team will be awarded the grand prize of KRW 2 million, one team will receive KRW 1 million, and three teams will each receive KRW 500,000. Applications are open through April 5, with more details available on Toss’s official Instagram channel.
“This competition is designed to give participants hands-on experience in executing real projects while gaining a deeper understanding of diverse user perspectives,” a Toss representative said. “We hope this effort will also help more users naturally engage with our services.”
Meanwhile, Toss continues to expand services tailored to foreign residents, including international remittances, expense and income tracking, and access to administrative services such as issuing official documents and applying for medical expense reimbursements. Through Toss Pay, users can also make online and QR payments, as well as in-store payments using its facial recognition-based service, FacePay.


Toss announced the launch of the “TOSS FOREIGNER BRIDGE CREW,” a hands-on marketing competition.

Toss expands efforts to improve financial access for foreign residents in Korea through a hands-on marketing competition focused on driving real user engagement.
Selected participa

Drive Growth Among Foreign Users

Toss Launches ‘Foreigner Bridge Crew’ Marketing Competition

저렴하고 혜택 많은 SKT 요금제

통신사를 선택할 때 품질과 가격 사이에서 고민이 많으셨죠? SKT의 안정적인 네트워크와 멤버십 혜택을 원하지만, 매달 나가는 요금이 부담스러웠던 분들을 위해 토스가 새로운 대안을 준비했습니다.
이제 토스 앱에서 SKT 요금제를 신청하면 첫 달 요금 100% 캐시백은 물론, 매달 현금처럼 사용하는 포인트 혜택을 받을 수 있어요. 알뜰폰만큼 경제적이면서도 SKT의 프리미엄 서비스는 그대로 누리는 법을 정리해 드립니다.
1. 첫 달 요금 부담은 줄이고, 포인트는 매달 쌓고
토스에서 SKT 요금제를 개통하면 실질적인 통신비 절감 효과를 즉시 체감할 수 있습니다.
• 첫 달 요금 100% 캐시백: 개통 첫 달에는 납부한 요금제 가격만큼 토스포인트로 돌려받아요. 사실상 첫 달 요금 부담 없이 서비스를 시작하는 셈입니다. 
• 5개월간 이어지는 추가 혜택: 첫 달 캐시백 이후에도 5개월 동안 매달 3만 3,000원의 토스포인트가 적립됩니다.
• 현금처럼 자유로운 활용: 적립된 포인트는 토스페이 결제가 가능한 온·오프라인 가맹점에서 현금처럼 편리하게 사용할 수 있습니다. 
2. OTT부터 웹툰까지, 최대 12개월 콘텐츠 지원
영상과 웹툰 등 콘텐츠 소비가 많은 분들에게는 더욱 매력적인 선택지예요. 요금제에 따라 다양한 구독 서비스를 함께 이용할 수 있습니다.
• 꾸준히 즐기는 콘텐츠: 티빙(TVING) 이용권과 네이버웹툰 쿠키가 제공되어 콘텐츠를 끊김 없이 즐길 수 있습니다. (최대 12개월 제공) 
• 프리미엄 구독 옵션: 선택한 요금제에 따라 유튜브 프리미엄, 넷플릭스(광고형 스탠다드) 등 인기 구독 서비스를 함께 이용할 수 있어 별도의 구독료를 아낄 수 있습니다.
3. 일상에 밀착된 할인, T우주패스와 청년 혜택
SKT 가입자라면 누릴 수 있는 고유의 라이프스타일 혜택도 놓치지 마세요.
• T우주패스 생활 할인: 편의점, 카페(스타벅스), 올리브영, 이마트24 등 자주 찾는 곳에서 즉시 할인받는 생활 밀착형 구독 서비스를 선택할 수 있습니다.
• 만 34세 이하 청년 추가 혜택: 청년 고객이라면 혜택의 폭이 더 넓어집니다. 커피, 영화, 로밍 서비스 등에서 최대 50% 할인을 받을 수 있어 알뜰폰보다 더 큰 실속을 챙길 수 있습니다.
4. 자주 묻는 질문(FAQ)
Q. 개통은 어떻게 진행되나요?
토스 앱 내에서 몇 번의 터치만으로 간편하게 신청할 수 있습니다. 신청 후 진행 과정은 토스 앱에서 실시간으로 확인 가능합니다. 
Q. 지금 바로 개통할 수 있나요?
네, 토스 앱 > [전체] 탭 > [모바일] > [통신 3사 요금제]에서 바로 신청 가능합니다.
Q. eSIM 개통도 가능한가요?
USIM, eSIM 모두 가능합니다. 




SKT 알뜰요금제 찾고 있다면? 첫 달 요금 100% 캐시백부터 매달 쌓이는 포인트까지, SKT를 더 실속 있게 이용하세요.

통신사를 선택할 때 품질과 가격 사이에서 고민이 많으셨죠? SKT의 안정적인 네트워크와 멤버십 혜택을 원하지만, 매달 나가는 요금이 부담스러웠던 분들을 위해 토스가 새로운 대안을 준비했습니다.
이제 토스 앱에서 SKT 요금제를 신청하면 첫 달 요금 100% 캐시백은 물론, 매달 현금처럼 사용하는 포인트 혜택을 받을 수 있

첫 달 요금 100% 캐시백부터 매달 쌓이는 포인트까지, SKT를 더 실속 있게 이용하세요

SKT 알뜰요금제, 토스에서 혜택 챙기며 가입하는 법

Make life in Korea easier


For anyone new to Korea, there are two things you'll need right away: getting around and paying for things. As you settle in, banking and finances will be the next on the list. If you're not sure where to start, this guide has you covered. 
1. Month 1: Getting Around and Paying Without an ARC
As you begin life in Korea, you should start with sorting out transportation and payments.  At this point, you probably don't have your ARC yet, so here are some options that work without one.
(1) Getting Around
① Which map app should you use in Korea?
For navigation in Korea, local apps such as Naver Map and Kakao Map are more reliable than Google Maps. Domestic apps provide bus and subway transfer routes, real-time arrival information, and more.
② How do you pay for public transit in Korea?
Korea's public transportation system is entirely cashless, meaning you'll need a transit card to ride. Your two options are a rechargeable prepaid card or a postpaid credit/debit card.
Prepaid (chargeable) cards such as T-money and Cashbee can be purchased at convenience stores and used immediately after topping up.
Postpaid cards require a bank account for automatic billing. However, they're not available for those that don't have an ARC yet.
📍 Transit Card Tips
Don't forget to tap out when transferring between buses or subway lines. Without it, you'll miss the transfer discount and be charged the base fare again on your next ride.
(2) Making Payments
Card payments are far more common than cash in Korea. Most credit and debit cards come with a built-in transit function, meaning one card can handle both your spending and transit.
As a foreigner living in Korea, you normally have two options.
① Prepaid card (no ARC required)
Prepaid cards require you to load money onto them before use. You don't need an ARC for prepaid cards, so this makes it a feasible option for newly arriving foreigners. Choosing a prepaid card with a built-in transit function means you do not need to buy a separate transit card. Prepaid cards can be purchased and topped up at most banks, convenience stores, and self-service kiosks.
② Debit card (체크카드) (ARC required)
Once you get your ARC, you can open a bank account and get a debit card at most Korean banks. If you get a debit card that has a postpaid transit feature, you won't have to worry about topping it up. The fare is billed and paid from your account later.
2. Months 3–6: Managing All Your Bank Accounts from One App
In Korea, it's quite common to have multiple bank accounts. For instance, you may have one for salary deposits and a different one for everyday expenses. Keeping track of multiple accounts across different banks means logging into several apps separately, making it difficult to get a clear overview of your finances all at once.
That's why you need Toss. Let's take a look at the features that make handling money in Korea so much easier.
① Manage all your bank accounts in one app with MyData (마이데이터)
Simply add all your bank accounts to Toss, and you're set. From there, you can check your balances, browse your transaction history, and send money all in one place. No need to go logging into separate banking apps.
This is made possible by Korea's MyData system, a government-regulated framework that allows financial data from multiple institutions to be viewed through a single app. MyData only allows Toss to view balances and transaction history. It might feel like a lot to link everything in one place, but it's a secure system. All transfers and payments require a PIN or biometric authentication, so your money stays completely safe.
② Auto-track your expenses with Spending Insights (소비 분석)
With your consent to MyData, Toss automatically categorizes your payments into groceries, transit, shopping, and more. You don't need to input manually or use a separate app. This gives you a clear breakdown of your monthly spending, which can be particularly useful when you are still getting a sense of the cost of living in Korea.
3. Months 6+: More Features Once You Are Settled In
Once you get settled in, try out a couple of more useful features on Toss. These are small but handy additions that can make day-to-day life in Korea a little easier.
① Earning points daily with Toss Rewards (혜택)
Go to the Rewards tab in the Toss app to complete quick daily missions to earn points. Points can be used like cash or cashed out directly to your bank account. The amounts are modest, but they add up over time.
② Can foreigners use Korean food delivery apps?
Yes, food delivery apps are available to foreigners. They work the same way as any other app: set your address, select a menu, and pay. Keep in mind most stores will have a minimum order amount and a separate delivery fee, so make sure to double check before you order.
For paying on delivery apps, consider setting up Toss Pay (토스페이). It allows you to complete purchases without having to enter your card details every time. Transactions are automatically reflected in the Spending Insights feature, and this helps you keep track of your spending. Depending on the delivery app, Toss Pay may also offer additional discounts or rewards.

Whether you need to manage accounts, track spending, make quick payments, or earn daily rewards, Toss has almost everything you need to handle your finances in Korea. So, get started with your life in Korea with the Toss app. 

Written by 유서진 Graphics by 조수희


From transit cards and prepaid cards without an ARC, to managing multiple Korean bank accounts in one place and paying for food delivery — a step-by-step guide to the apps and services you need in Korea. Toss handles more of it than you'd expect.


For anyone new to Korea, there are two things you'll need right away: getting around and paying for things. As you settle in, banking and finances will be the next on the list. If

Apps for living in Korea — handle payments, transit, delivery, and banking in one place.

Essential Apps for Living in Korea: A Step-by-Step Guide

Manage your health costs in Korea, all in one app


A common concern for newcomers to Korea is, “What happens if I get sick here? Can foreigners use the national health insurance system?”
The good news is that if you’ve been in Korea for six months or longer, you’re covered by the same National Health Insurance as Korean citizens. Depending on your visa type, that coverage may even begin from the day you arrive.
In this article, we’ll walk you through everything you need to know about Korea’s National Health Insurance, including eligibility and how to pay your premiums.
Health Insurance in Korea is Mandatory
Korea's National Health Insurance (국민건강보험) is not optional. Once you've registered as a foreign resident and have been in the country for six months, you'll be automatically enrolled. For certain visa holders,* coverage begins immediately upon arrival.
*D-2 (Study), E-9 (Non-professional Employment), F-5 (Permanent Residency), F-6 (Marriage Immigration)
Depending on your employment status at the time of enrollment, you'll be classified as either a workplace subscriber (직장가입자) or a local subscriber (지역가입자). Either way, you're enrolled automatically, so there's nothing you need to do. To confirm your enrollment status, visit the National Health Insurance Service website.
How Much Are the Monthly Premiums?
Health insurance premiums are calculated differently depending on your type of enrollment.
Workplace subscribers pay a portion of their salary as their premium, and the cost is split equally between the employee and the employer.
Local subscribers are assessed based on income and assets. As a foreigner’s income and assets can be hard to assess in Korea, premiums are generally set at no less than the previous year’s national average. However, international students pay 50% of the standard rate, and permanent residents and marriage immigrants are assessed under the same criteria as Korean nationals.
Premiums must be paid in advance each month, typically by the 25th. Payments can be made by auto-transfer, at a bank, or online. If you miss a payment, your medical benefits are suspended immediately, and unpaid premiums may affect your visa renewal. To avoid this, it’s best to set up automatic payments in advance.
What Benefits Does National Health Insurance Provide?
The National Health Insurance significantly reduces your medical expenses. Instead of paying the full cost of treatment, you only pay a set portion.
Clinic visits: You pay 30–60% of the total cost
Inpatient care: You pay 20% of the total cost
Annual physicals: Covered 100% by the National Health Insurance Service, once every two years
📌 Before Your First Hospital Visit
Bring your Alien Registration Card (ARC) or health insurance card to your first appointment for identity verification. You can also present a digital version of your ARC through a mobile ID app, so you don't need to carry your physical card.
Private Insurance (실손보험): Covers What National Health Insurance Doesn't
National health insurance covers the bulk of your medical costs, but not all of them. That's where supplemental private insurance (실손의료보험, or 실손보험) comes in, to reimburse you for part or all of those out-of-pocket costs.
Unlike national health insurance, private insurance (실손보험) is a private plan that you sign up for individually. It reimburses you for the costs not covered by the national system, and it's so widely used in Korea that it's often referred to as the "secondary health insurance" system.
Q. Not sure if you already have private insurance (실손보험)?
If you're employed, your company may have enrolled you in a group plan, so check with your HR team first. You can also look up all insurance policies registered under your name through the Financial Supervisory Service's Insurance Lookup Service.
How to Get Reimbursed Through Toss
In the past, getting reimbursed meant going back to the hospital to collect your receipts and medical certificates, then submitting them by mail or fax. The process was so cumbersome that many people chose not to bother with smaller amounts.
With Toss, you can file a claim using just a photo of your receipt. The Hospital Bill Reimbursement (병원비 돌려받기) feature lets private insurance (실손보험) subscribers submit claims directly through the app. It's simple and hassle-free, so even small amounts don't go unclaimed.
✅ How to get reimbursed: Toss app → [All] → Search “Hospital Bill Reimbursement” (병원비 돌려받기) → Select the transaction, documents, and insurer → Take a photo of your receipt → [Submit] for review → Get reimbursed

The whole process takes just a few minutes. If you link your Toss card in advance, the app will also send you a reimbursement reminder each time you pay at a clinic or hospital, so you don't miss a claim.
Korea's health system offers more coverage than what most international residents would expect. Once you understand how it works, managing your medical costs becomes a lot easier.

Written by 유서진 Graphics by 조수희


Foreigners in Korea for six months or more are automatically enrolled in National Health Insurance—the same coverage as Korean citizens. Here's how premiums work, what's covered, and how to get reimbursed through Toss.


A common concern for newcomers to Korea is, “What happens if I get sick here? Can foreigners use the national health insurance system?”
The good news is that if you’ve been in Kor

Pay your health insurance and get reimbursed for medical bills — everything you need to know.

Health Insurance in Korea: Enrollment, Premiums and Hospital Refunds

Looking to bank in Korea in your language?


You'll need a range of financial services while living in Korea—from opening a bank account and sending money abroad to getting a debit card and paying utility bills. Toss is Korea's all-in-one financial super app that covers all of your needs in one place. If you're a foreigner living in Korea, there are two things you'll want to check first.
1. Does Toss support languages other than Korean?
Toss supports 10 languages: Korean, English, Chinese, Vietnamese, Russian, Thai, Uzbek, Indonesian, Japanese, and Khmer. You can switch languages directly in the settings, and once you select your language, it applies to the whole app.
✅ How to change the language: Toss app → [All] → [Settings] → [Language]

2. Do you need an Alien Registration Card (ARC) to sign up for Toss?
You can sign up for Toss using your passport, even if you don't have your ARC or a phone number yet. But note that you'll only have access to a limited number of services like prepaid cards, wire transfers, and card payments.
✅ How to sign up with a passport
Download and open the Toss app, then select your country and whether you hold Korean citizenship. Scan your passport (make sure it's still valid), set a PIN, and enter your email address for verification, and you're all set!
Once you obtain your ARC and a phone number, you can register with your phone number to unlock the rest of the services.
Toss is available in multiple languages and doesn't require an ARC to sign up, making it one of the easiest ways to get started with finances in Korea. Download the Toss app to start your life in Korea.

Written by 유서진 Graphics by 조수희



When setting up your finances in Korea, two things matter most: whether the app supports your language, and whether you can sign up without an Alien Registration Card. Toss — Korea's financial super app — checks both boxes. Read on to find out how.


You'll need a range of financial services while living in Korea—from opening a bank account and sending money abroad to getting a debit card and paying utility bills. Toss is Kore

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