Financial Services Guide

This FSG is dated 23rd January 2026 and is issued by Toss Australia Pty Ltd ACN 688 041 956 AFSL No. 700093 (Toss, we, our or us).

Purpose of this Financial Services Guide

This FSG sets out key information about the financial services we may provide to you. It is designed to assist you to make an informed decision about the financial services we provide and contains important information about:

who we are and how to contact us;
the financial services we are authorised to provide;
how we are paid in relation to the financial services we provide; and
how to make a complaint.

We strongly recommend that you read and understand this FSG before you engage us to provide you with any financial services. Please contact us if you have any questions.

Who we are

Toss is the issuer of the non-cash payment facility which enables real-time money transfers between users’ bank accounts by facilitating PayTo transfer functionality (Toss Solution).

The Toss Solution is offered through the Toss App. The Toss App also makes other, non-financial services features available to clients, such as:

personal finance management, which enables users to have a unified view of their financial health by aggregating data from multiple banks. With the user’s consent, the feature will integrate with bank data (via the open banking / consumer data right framework) to show account balances, transactions and other financial metrics in one place.
rewards and benefits program, which is a loyalty program that engages users through interactive, gamified rewards. Users earn points by completing specific actions in our Toss App or interacting with featured products and services. Activities range from daily quizzes, to participating in lucky draws, and logging daily steps.

We only act on our own behalf with respect to the financial services we provide.

Documents you may receive

We may provide you with general financial product advice. General advice is financial advice that does not take your personal needs, objectives or financial situation into account. General advice may be provided to you individually, or as part of broader communications we may distribute through our social media channels or through written collateral such as brochures or other information sheets.

If you acquire an account and register with the Toss App and the Toss Solution, you will receive a Product Disclosure Statement (available here) (PDS). The PDS is issued by Toss and contains important information about the Toss Solution, including features, benefits, risks, costs, fees and charges. The PDS is intended to help you to make an informed decision about whether to acquire an account and register with the Toss App and the Toss Solution. We encourage you to read it carefully.

The Toss Solution is governed by Terms & Conditions (available here) (Terms & Conditions) and PDS. We recommend you read and understand both documents before applying to acquire the Toss Solution.

Financial services we are authorised to provide

We hold an Australian Financial Services Licence (AFSL No. 700093) and are authorised to provide the following financial services to retail and wholesale clients:

provide general financial product advice in relation to non-cash payment products;
deal in a financial product by issuing, applying and disposing on behalf of another in non-cash payment products.

The Toss Solution is a non-cash payment product.

General advice warning

We only provide factual information or general advice about the Toss Solution, which does not take your personal circumstances into account. As a result, before acting on any information or advice we provide, you should consider the appropriateness of it having regard to your personal objectives, financial situation and needs. You should carefully consider the PDS of a financial product before making a decision about whether to acquire it.

How we are paid for our services

We do not charge you any fees for using the Toss Solution or for accessing any other services offered through the Toss App.

We do not receive any direct fees, commissions or other remuneration from you in connection with the issuance of an account with the Toss App or the Toss Solution. Our directors and employees are remunerated by salary, and their remuneration does not vary depending on the type, volume or value of transactions processed through the Toss Solution.

We may earn revenue from advertising and promotional arrangements where third parties pay to display advertisements or sponsored content within the Toss App. This advertising revenue is not paid by you and is not a fee for financial services.

Rewards and benefits offered under the Toss App are funded by us from our own resources, and are not funded from any fees paid by you.

How to give us instructions

You may give us instructions via your Toss App or by contacting us using the details below.

Disclosure of any conflicts of interest

We do not have any relationships or associations which might influence us in providing you with our financial services.

Compensation arrangements in place

Toss maintains professional indemnity insurance to cover its advice and any recommendations provided. This policy complies with the requirements imposed under the Corporations Act 2001 (Cth).

Contact

If you have any further questions about the financial services we provide, please contact us:

Email: global-support@toss.im

Address: Office 116, Level 3, WeWork, 1 Sussex Street, Barangaroo NSW 2000, Australia

Website: https://toss.im/en-au

Complaints

If you have a complaint or concern about the products and services provided to you, we encourage you to contact us about your concern. When your complaint is received by us it will be investigated. If your concern is not resolved within 30 days, or if you are not satisfied with the decision you may contact the Australian Financial Complaints Authority (AFCA), which is an external dispute resolution scheme.

AFCA’s details are:

Phone: 1800 931 678

Email: info@afca.org.au

Address: GPO Box 3, Melbourne VIC 3001

Website: www.afca.org.au