Achieved in 3 years and 9 months since its launch, becoming a “staple financial service” for teens
More than 3.2 million USS Cards issued, becoming the first card teens get in their name

Viva Republica, the operator of the financial super app “Toss,” announced that the app has surpassed 3 million 'Teen' users. This milestone comes just 3 years and 9 months after the service launched in July 2021. With 85% of middle and high school students choosing Toss as their primary financial services app, the platform has firmly established its position in the sector.

Toss Teens is a dedicated service available to users aged 7 to 18, designed to address financial inconveniences uniquely experienced by teenagers in areas such as money transfers, payments, transportation, and shopping. As the service highlights its potential to help children develop healthy financial habits, it has been receiving positive feedback from parents.
The USS Card is a prepaid top-up card exclusive for children and teens, and is one of the key Teens services that helps teens foster independent financial habits. The Youth Card has gained recognition as a teenager’s very first personal card—‘My Card’—in their own name, rather than a parent’s card often referred to as a ‘mom’s card.’ Over 3.2 million USS Cards have been issued since its launch in December of 2021. By using and managing their own card, children learn to manage their finances—prompting today’s parents, who are increasingly interested in early financial education, to actively encourage their children to use their own card.
Teens services such as the ‘Money Study Café’ and ‘Mock Investment’ are also well recognized among parents. The Money Study Café, which provides financial education content specifically for teenagers, has enhanced the credibility and expertise of its content through a partnership with the Financial Supervisory Service’s ‘e-Finance Education Center’ since January of last year. The Mock Investment service allows teens to experience investing in domestic and international stocks using virtual money while tracking real-time prices. To date, the service has attracted approximately 760,000 cumulative users.
Traditional tools long used to help children build smart spending habits—like piggy banks and allowance diary—have been reimagined in Toss Teens. The Piggy Bank service, used by an average of 630,000 users per month, allows kids to set their own savings goals and work toward them. They can also set shared goals with their parents, such as saving for a trip or a gift, creating new opportunities for connection. Toss Teens also offers access to important school-related information, such as lunch menus and class schedules.
Toss Teens has implemented a range of youth protection systems to ensure that teenagers can begin their financial journey in a safe environment. The sign-up process for minors has been reinforced with a three-step verification system, and a Fraud Detection System (FDS) is in place to safeguard their personal information from financial scams. The USS Card blocks transactions in restricted business categories for minors and disables overseas payments entirely. Additionally, if a user attempts to transfer money to an account with a history of fraud or reports, a warning alert is displayed.
“We feel a deep sense of pride and responsibility knowing that 3 million Korean teenagers are beginning their financial journey through Toss Teens,” a Toss representative said. “We will continue to provide high-quality content to help them lead independent financial lives even in a more complex financial environment they will face as adults.”


Achieved in 3 years and 9 months since its launch, becoming a “staple financial service” for teens
More than 3.2 million USS Cards issued, becoming the first card teens get in thei

Becoming a “staple financial service” for teens

Toss Surpasses 3 Million Teen Users

Discounts on Apple products for middle/high school and university students aged 14–29
Promotion available via the Toss app and offline stores until February 15

Viva Republica, the operator of mobile financial service "Toss," announced today that it is collaborating with Apple to launch a back-to-school discount promotion.

The promotion is available to middle/high school and university students aged 14–29 (born between 1995 and 2011) until February 15. During the event period, six major Apple products will be sold at discounts of up to 28%.
The products include the MacBook Air (13-inch M2 model), iPad Air 11”, iPad Air 13”, AirPods 4, Apple Pencil Pro, and Magic Keyboard.
The discounts are available through the Toss app as well as offline stores. In the Toss app, customers can access the Apple Special Section and receive discounts when paying with Toss Pay. For offline store purchases, customers must present a barcode downloaded from the Apple Special Section in the Toss app. Offline purchase locations include Frisbee, Emart (Electro Mart), and Hi-Mart.
To receive the discount, university students (aged 20–29) must verify their student status using an email registered with their school account. Middle and high school students can make discounted purchases without any additional verification.


Discounts on Apple products for middle/high school and university students aged 14–29
Promotion available via the Toss app and offline stores until February 15

Viva Republica, the

Discounts up to 28% on Key Products

Toss and Apple Launch Back-to-School Promotion

Ambassadors, composed of elementary and middle school teachers to enhance students’ financial literacy
Toss’ teen-focused services, “Money Study Café” and “Mock Stock Investment,” to be used as teaching tools

Viva Republica, the operator of the financial super app "Toss," announced the launch of the Teens Financial Education Ambassador program to support basic economic education and improve financial literacy among elementary and middle school students.

The Ambassadors are consist of current elementary and middle school teachers and will use Toss Teens as part of their financial education programs. Toss Teens is a financial service designed for users aged 7 to 18, offering a variety of tools to help children and teenagers manage their own financial lives.
In particular, the Ambassadors will integrate Toss’ key Teen services, “Money Study Café” and “Mock Stock Investment,” as classroom learning tools.
Money Study Café is an educational content platform where students learn about finance and economics as if they were talking to a friend. For example, in lessons about income, students explore the question "How do people earn income?" by examining a fictional family’s household ledger, which introduces concepts like income, expenses, and different income sources such as pensions and salaries explained in a simple and friendly way.
The Mock Stock Investment service allows teens to experience stock trading using $1,000 in virtual currency and real-time market data. It features teen-friendly explanations about specific stock items and in-depth analysis to make investing more realistic for children.
Going forward, Toss plans to develop its teen financial services and content by incorporating direct feedback from Ambassadors based on real classroom experiences.
“The use of financial and digital platforms are increasingly emphasized in public education,” a Toss representative said. “We will continue exploring ways to bridge gaps as financial disparities among students grow due to differences in income or region.”


Ambassadors, composed of elementary and middle school teachers to enhance students’ financial literacy
Toss’ teen-focused services, “Money Study Café” and “Mock Stock Investment,” 

# teens

Toss Surpasses 3 Million Teen Users

Toss and Apple Launch Back-to-School Promotion

Toss Launches Teens Financial Education Ambassador Program