# Fidelity Token

> Mobile app for second factor authentication for Fidelity Online Banking. (iPhone/iPad app by Fidelity Bank Plc.)

- Source: https://appshunter.io/ios/app/fidelity-token/id1142222358 (this page in markdown: same URL + `.md`)
- Developer: [Fidelity Bank Plc](https://appshunter.io/developer/945935916)
- Category: Finance, Utilities
- Price: Free
- Rating: 2.36/5 from 58 App Store ratings · 27 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 20 MB
- Languages: English
- Released: 2016-09-06
- Data updated: 2026-08-12
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/fidelity-token/id1142222358/reviews.md

## What is Fidelity Token?

Fidelity Token is an innovative mobile app for second factor authentication that enables Fidelity Online Banking users secure all transactions using their iOS devices. This eliminates the need to carry a hardware token.

VERIFY TRANSACTIONS
Guard yourself when transacting online by confirming your transactions such as: fund transfer, bills payment, airtime recharge etc. right on your mobile application. Confirm the details and enter your secure, One Time Passcode (OTP) to complete the transaction.

ACTIVATING YOUR SOFT TOKEN
To activate the Fidelity Token, simply login to the Fidelity Token app with your Fidelity Online Banking credentials. Once logged in, the app will authenticate your mobile phone and also request that you provide answer to any of your secret questions.

EASE OF USE, SPEED OF TRANSACTION
Fidelity Token has been uniquely designed as an easy solution for your transactions. All you need is to input your PIN and the one time password is available instantly to complete your transactions. If you are using the Fidelity Online Banking app, you can easily copy the eight digit token response and paste as required.

INFORMATION AND CUSTOMER SERVICE
When activating your token for the first time, you will be charged N1,500 + 5% VAT. However this is a one-time charge for your token in line with the Central Bank of Nigeria’s directive. Subsequent reinstallation or reactivation will be free of charge.

For more information, please call True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng.

Copyright © Fidelity Bank Plc. 2016. All rights reserved. Fidelity Token is a trademark of Fidelity Bank Plc.

## Key features

- Second factor authentication
- Verify online transactions
- Eliminates hardware tokens
- One Time Passcode (OTP)
- Easy PIN input for OTP
- Copy and paste OTP

## Recent user reviews (10 of 27)

All indexed reviews: https://appshunter.io/ios/app/fidelity-token/id1142222358/reviews.md

### 1/5 — Network issues

*2025-12-11, version 15.0.4*

EToken is very useless always having network issues.Can’t bank with fidelity again

### 1/5 — Very useless app

*2025-12-05, version 15.0.4*

There’s absolutely no need for this app.

### 1/5 — Rubbish app

*2025-06-24, version 15.0.4*

Fidelity should just give people a hard token and stop stressing people over this rubbish app. Am closing my account soon

### 1/5 — Mrs O

*2025-05-31*

This has got to be the most useless token out there.

### 2/5 — App not functioning for over a month

*2025-05-29*

Fidelity bank your soft token app has not been functioning properly in the past weeks. I can’t do any major transaction as a result. None of your customer care attendants have been able to help.

### 1/5 — Worse app

*2025-04-28, version 15.0.4*

Worse token app ever

### 1/5 — What is happening to your soft token

*2025-04-12*

Dear Fidelity bank I am utterly disappointed at the performance of your token for the past two weeks.

I expected that if there should be an upgrade or update or changes in your token app the least to do is inform customers and also sensitize your online customer service rep on how to help customers out in navigating it.

I have called 3 times on different occasions to complain about the app but none of your online customer rep can help. 
Because I still cannot explain why I was logged out of the app and I cannot gain access with the same details I’ve been using for a long time.
Fidelity bank do better please!!!

### 1/5 — App performance

*2025-04-02, version 15.0.4*

A very useless app. Always having a bad network and malfunctioning. The bank needs to up their game. Currently the bank is not ideal for a serious business operation due their incessant app malfunctioning

### 1/5 — No way to resolve if you forget your token Password

*2024-08-29, version 3.1*

The lack of password changing options on the first screen is very frustrating. If you forget your token login details, there’s no hassle free way to resolve

### 5/5 — Fidelity token

*2024-08-20*

I have forgotten my password and username 
I need make use of my fidelity token
And there's no place to resetting of it

## Frequently asked questions about Fidelity Token

### What does the Fidelity Token app do?

The Fidelity Token app provides second factor authentication for Fidelity Online Banking users. It allows you to securely verify and complete transactions such as fund transfers, bill payments, and airtime recharges directly from your iOS device, removing the need for a physical hardware token.

### How do I activate the Fidelity Token app?

To activate the app, log in using your Fidelity Online Banking credentials. The app will then authenticate your mobile phone and prompt you to answer your secret questions. Once activated, you can use your PIN to instantly generate a One Time Passcode for transactions.

### Is there a cost to use the Fidelity Token app?

There is a one-time charge of N1,500 plus 5% VAT for the initial activation of your soft token, in compliance with the Central Bank of Nigeria's directive. Subsequent reinstallation or reactivation of the token will be free of charge.

### What kind of transactions can I verify with this app?

You can verify and secure various online transactions, including fund transfers, bill payments, and airtime recharges. By confirming the transaction details within the app and entering your secure One Time Passcode, you complete the process.

### What if I need help with the app?

For more information or assistance, you can contact True Serve by calling +234 1 448 5252 or emailing True.Serve@fidelitybank.ng. They can provide support regarding the app's functionality and activation.

## Version history (last 5 releases)

### 15.1.0 — 2026-07-11

Bug Fixes

### 15.0.4 — 2025-03-24

Bug fixes

### 3.2 — 2024-10-20

Bug Fixes
Enhanced Performance

### 3.1 — 2017-11-07

This app has been updated by Apple to display the Apple Watch app icon.

Bug Fixes
Enhanced Performance

### 3.0 — 2017-10-31

Bug Fixes
Enhanced Performance

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## More apps by Fidelity Bank Plc

- [Fidelity Online Banking](https://appshunter.io/ios/app/fidelity-online-banking/id1051038075)
- [Fidelity FastLoan](https://appshunter.io/ios/app/fidelity-fastloan/id1462074392)
- [Fidelity SME Funding Connect](https://appshunter.io/ios/app/fidelity-sme-funding-connect/id1473583124)
- [NR Fuel App](https://appshunter.io/ios/app/nr-fuel-app/id6449194237)

All apps by Fidelity Bank Plc: https://appshunter.io/developer/945935916

## Related topics

[fidelity soft token](https://appshunter.io/ios/topics/fidelity-soft-token) · [fidelity bank token](https://appshunter.io/ios/topics/fidelity-bank-token) · [fidelity bank nigeria](https://appshunter.io/ios/topics/fidelity-bank-nigeria) · [fidelity digibanking](https://appshunter.io/ios/topics/fidelity-digibanking)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-12.*