Toss review

Conversion costs 0%. For context, the site median for cards is 1%, Wise charges 0.1%, bunq runs 0.5% to 3% and VaultLeap charges 0.5%. A free rate means the card suits travellers who spend in several currencies without budgeting for conversion.

It is a debit card, so spending draws on the balance in your bank account instead of a prepaid balance that you top up first. That suits people who keep a single pool of money, since the card does not need its own funded balance.

The listed feature is travel, so the card is aimed at trips abroad rather than general daily spending. That focus is why the conversion rate carries more weight here, since almost all spending on a trip happens in a currency other than the one you bank in.

Toss is based in South Korea, so the account is built around Korean banking. That makes it a natural fit for customers in that market, and anyone applying from elsewhere should check eligibility before signing up.

Support runs on email, phone and help centre, so a blocked card can be dealt with by phone, by email or through the help centre. Across the cards on the site, 79.6% list a help centre, with phone at 44.7%.

Toss ranks at position 1 on currency conversion fee among the 237 brands compared, which is where a free rate leaves it. Its cost score is 8 and its overall score is 8, so cost is the stronger side of the picture.

The card suits people who bank in KR and spend abroad often, since a debit card with a 0% conversion fee keeps trip costs predictable. It also suits readers who want a single card for holidays rather than a multi-currency account.