Monthly
Finances

They say health comes first—it's the foundation of happiness—but how much should we really dedicate to working out to stay fit? On average, people spend ₩249,432 per month on managing their health. *Based on Nov 2024

If your goal is to become smarter with money, we recommend the Today’s Tip service on Toss. It delivers financial tips and economic news in an easy-to-understand format. Currently, 6,723,920 people are subscribed to Today’s Tip to get helpful information for their financial lives, receiving an average of 10.3 tips each week. *Based on Nov 2024

If you have money-related concerns you can’t discuss openly or are curious about others' financial experiences, try Today’s Tip—Money Lounge. It’s a space where you can anonymously verify your financial and real estate assets and have honest conversations about money. Every day, 300,000 people visit Money Lounge to exchange spending advice and share asset management tips. *Based on Dec 2024
Browse Money Lounge

What do you look for when choosing a house? While factors like location, lighting, and the surrounding environment all play a role, “cost” is likely the ultimate deciding factor—after all, everyone has a limit to how much they can spend on rent and utilities.

Toss users can conveniently pay their utility bills for apartments and officetels through the Toss app using the Utility Bill service. On average, users of this service spend ₩221,068 on utilities each month. *Based on Nov 2024

Are you thinking about signing a Jeonse contract? If so, it’s highly recommended to get Jeonse deposit guarantee insurance to protect your deposit. If you’ve taken out a Jeonse housing loan from the Korea Housing & Urban Guarantee Corporation (HUG), enjoy a 3% discount on the insurance fee and receive a ₩15,000 bonus in Toss Points. On average, it will save you ₩31,077 when getting a deposit guarantee insurance. *Based on Oct 2023~Nov 2024

To buy a home, it's essential to open a housing subscription savings account and make regular monthly deposits—especially when applying for new housing allocations. Among Toss users who already have a subscription account, 35.36% are teenagers, highlighting that opening this account is often the first step in their financial journey. *Based on Nov 2024

With a housing subscription account, you can save any amount between ₩20,000 and ₩500,000 each month. However, until recently, only up to ₩100,000 per month was counted toward the eligibility status for public housing subscriptions. Starting in November 2024, this limit has been raised to ₩250,000 per month. To increase your chances of winning a public housing subscription, maintaining first-priority status is crucial. Longer periods without owning a house gives you an advantage. For homes under 40㎡, more deposits count, while for homes over 40㎡, higher total savings work in your favor.
Learn More

Toss provides School Menu and Class Schedule services, connecting with elementary, middle, and high schools across the country. As of November 2024, 12,414 schools are linked to Toss Teens, with over 500,000 students on average using Toss each month to check their lunch menus and class schedules. *Based on Nov 2024

Nowadays, “Deokjil (fan activity)” has become a thing for teens these days, and Toss offers a service called Fan Piggy Bank, available only to users under 19. With this service, teens can choose an idol group or sports star they want to support, create a piggy bank, and start saving up.

Through Toss Fan Savings, 135 idol groups and sports stars are getting immense support from their fans. A person can create more than one Fan Savings, and so far 307,661 people have created 733,808 Fan Savings to show their love and support. *Based on Jun 2023~Nov 2024

Planning a spring trip? Then why not book a train ticket through Toss? You can get tickets for KTX, SRT, ITX, Saemaeul, Mugunhwa, and many more. Now, let’s take a look at where others took a train to.

If you can’t travel far, borrow a kickboard or a bike from nearby and enjoy the spring weather. You can use a variety of ride services from Seoul Bike to GCOO, Kick Going, or Xing Xing to borrow a bike, electric bike, or a kickboard. An individual borrows a ride 3.74 times a month on average via Toss. *Based on Dec 2023~Nov 2024
Ride-hailing at Toss

If you’re a parent of a teenager, you might wonder how much allowance is appropriate. We surveyed 16,479 Toss users—here’s what teens receive by age group. *Based on Jan 2025

But where do Teens use their allowance? Data from Toss USS Card, a card available for users from 7 to 19, show that most of their spending happens at the convenience store. *Based on Nov 2024

Toss USS Card Use History

#1

Convenience store, supermarket & Miscellaneous Goods

#2

Food

#3

Hobbies

Once young adults start earning, they often begin to give their parents an allowance. You might wonder how much is enough, so we asked 11,115 Toss users. Based on users’ answers, it seems that young adults give an average of ₩100,000~₩300,000 to their parents across all age groups. Here are the details about users’ answers. *Based on Jan 2025

If you want to safeguard your family from financial crime, try using the Toss Family Security Guard service. This service sends out notifications to family members via the Toss app push notification or KakaoTalk if there’s suspicion of voice phishing or identity theft.
Try Out the Family Security Guard Service

This simple and compact device has recently been catching the eye of many business owners. One in four new store owners choose our Toss device. It is especially popular to business owners in their 40s.

To date, over 170,000,000 payments have been made across more than 72,000 stores using the Toss device. The device also features a loyalty program system, enabling store owners to manage their regular and loyal customers. So far, a total of 3,800,000 points have been accumulated through this system.

Users can use Toss for online payments, too. You may have come across the Toss Payments payment window when shopping at online stores. In fact, 25% of all electronic payment businesses have used Toss Payments’ payment page. *Based on Sep 2024

Toss Payments empowers brands to create their own streamlined payment systems. The Toss Payments simple payment solution boasts a 17% higher conversion rate compared to app cards. *Based on Sep 2024

With Toss Bank, you can exchange currency without fees. After Toss Bank eliminated currency exchange fees for the first time in the banking industry, 1.95 million users have enjoyed a completely new currency exchange experience. The total fees saved amounts to ₩156.4 billion, which translates to ₩79,000 saved per person. *Based on 18 Jan 2024~30 Nov 2024

Use Toss Bank’s Money Pool product to easily save up funds for trips. This allows you to divide your funds in one account and freely make deposits and withdrawals. The most frequently used keyword for the Money Pool service was “Travel” closely followed by “Savings” and “Special Events” *Based on 6 Feb 2024~9 Dec 2024

You can also purchase travel insurance through Toss. On average, Toss users secure overseas travel insurance for just ₩8,471 per trip. *Based on May 2023~Dec 2023
*Ad updated as of 2025.02.26. Please check from Toss Bank for the latest information.*This ad will remain published even after it expires for record-keeping purposes.*This ad is based on its original Korean version. In case of any discrepancy between the translation and the original, the Korean version shall have legal effect.*Toss Bank Compliance Officer Review #250331 (2025.02.26. ~ 2026.02.25.)

If you’re not sure what to gift, take a look at what others bought. Toss Shopping offers a variety of items from food, beauty products, electronics, and more. The Top 3 popular products sold during the 2024 Toss Shopping Chuseok Holiday Deals are Yeosu Dolsan Gat (mustard greens) Kimchi, organic lemon juice, and white rice.

Overwhelmed with the many gifts you need to give out? Get your gifts at Toss Shopping! Toss Shopping users enjoy an average discount of ₩163,258 every year. *Based on Dec 2023~Nov 2024
Browse Toss Shopping

The average person spends ₩16,963 monthly on online media (Netflix, Disney+, Tving, etc.)

7.5% of Toss users spend a monthly average of ₩39,551 per person on books, e-books, and web novels.

For musical, festival, and concert enthusiasts, the monthly average used on ticket reservation platforms per person is ₩111,833.

In November, fashion spending typically rises compared to the previous month at Toss. Transaction amounts in November increased by 46.15% compared to October, which is attributable to the many discount events like Black Friday, and higher prices of winter clothes (meaning, higher average purchase amount per customer) compared to other seasons. *Based on Oct~Nov 2024 Tosspay payments

Did you know that there’s a trend in spending, too? Vacation season for students means more spending on games and food delivery.

Game-related transactions rose by 25.91% in July, compared to June. Spending on games continues to increase in winter vacation season, with transaction volumes rising by 7.59% in January 2024 compared to the month before, and another 11.72% increase in February. *Based on Jul 2023~Feb 2024 Tosspay payments

Delivery-related transaction amounts rose by 11.11% in July compared to June. In August, it rose by 3.30% compared to July. However, it decreased in January and February compared to previous months, attributable to winter vacation season. *Based on Jul 2023~Feb 2024 Tosspay payments

Wonder what the most popular stocks are? The TOP 3 stocks bought by Toss Securities users are Tesla, Samsung Electronics, and Apple. *Based on Jan 2022~Nov 2024

The Stock Savings service allows users to automatically buy stocks on a set schedule. Users can buy stocks at a certain price or quantity, daily, weekly, or monthly, as they wish. As of November 2024, 686,000 users used the Stock Savings service at least once during the month, with 43% of them being in their 20s and 30s.

Reliable information is key to making smart stock investments. Toss Securities offers a community service where users can share diverse opinions about different stocks. Among users who had a Toss Securities account and visited the platform at least once in November 2024, 44% actively participated in the community by sharing their thoughts. Notably, 84.8% of these participants were shareholders who actually owned the stocks they posted about.