Toss Bank is strengthening banks' responsibility for financial incidents and establishing a practical compensation system to protect customers.

Toss Bank said on Sunday it compensated a total of 1.902 billion won to 2,466 affected customers in 2025 through its safety compensation scheme, which it introduced first in the banking sector. Since the scheme was introduced in November 2021, the cumulative number of people granted relief has reached 8,845 and total compensation has amounted to 6.1 billion won.

The scheme compensates customers for losses when they suffer unexpected financial incidents. It provides support once, up to 50 million won for voice phishing and up to 500,000 won for secondhand transaction fraud.

In particular, Toss Bank is the only bank to include secondhand transaction fraud in its compensation scope, serving as a safety net in areas closely linked to customers' daily lives. Of compensation paid in 2025, about 1.04 billion won was used to help recover losses from financial fraud such as voice phishing, and about 860 million won was used to help recover losses from secondhand transaction fraud.

These results are the outcome of efforts to simplify the application process and improve the effectiveness of the scheme. Toss Bank built a system centred on its banking app to support the application and compensation process so customers can complete necessary procedures more easily after a financial incident occurs. It reduced the burden from complex procedures and improved customer access to use of the financial incident liability-sharing scheme.

At the same time, Toss Bank is also strengthening a prevention system that blocks incidents in advance using advanced AI technology. Its fraud suspicion siren integrates data from the National Police Agency, The Cheat and Toss Bank's own data to issue real-time warnings for transfers to risky accounts detected.

It also adds a machine learning-based fraud prediction model so AI detects suspicious patterns such as a concentration of transactions over a short period even without a report history, and sends caution alerts. This is designed to respond quickly to the latest fraud methods that rotate short-term use of bank accounts before sufficient report data accumulates. Toss Bank secured continuity in customer protection by proactively managing incident risks through technology and supplementing, through the scheme, exceptional losses that go beyond technical prevention.

A Toss Bank official said, "The safety compensation scheme is Toss Bank's own protection system that safeguards customers' daily lives through the complementary relationship between technical prevention and institutional inclusion." The official added, "We will continue to expand the scope of consumer protection by advancing a system of pre-emptive blocking and post-incident responsibility that reduces the risk of financial incidents through technology while responsibly supplementing even hard-to-predict losses."