Toss Bank vs Maya Bank.
Toss Bank (T78/100) and Maya Bank (M50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Toss Bank leads Maya Bank 6-0.
| M Maya Bank №64 · BSP 50 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Full bank KDIC |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
Pick Toss Bank if…
Korea's third internet-only bank. Viva Republica subsidiary — operates inside the Toss super-app (~25M users). Full KFSC licence since 2021; KDIC cover. The mobile-app-native counterpart to Kakao Bank.
- Best for fees Toss Bank won 1 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Toss Bank won 1 of 3
- Best for ux Toss Bank won 1 of 2
Toss Bank vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Maya Bank better than Toss Bank?
Under our v3 methodology, Toss Bank leads Maya Bank 6–0 across 12 dimensions. Composite scores: Maya Bank 50/100 vs Toss Bank 78/100. Toss Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Maya Bank or Toss Bank cheaper?
Monthly fee — Maya Bank: €0; Toss Bank: €0. Card FX markup — Maya Bank: 2.00%; Toss Bank: Interbank. Toss Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Maya Bank or Toss Bank?
Maya Bank holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Toss Bank is the stronger pick on regulatory protection.
Where can I use Maya Bank and Toss Bank?
Maya Bank operates in 1 country; Toss Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.