Best apps like FirstToken

10+ similar apps compared and reviewed

3.5 avg rating
10 free apps
Updated October 2026
FirstToken
FirstToken
First Bank of Nigeria Limited

Looking for something like FirstToken? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to FirstToken

1.8😞(93 ratings)
Free
GT eToken screenshot 1
GT eToken screenshot 2
GT eToken screenshot 3
GT eToken screenshot 4
GT eToken screenshot 5
GT eToken screenshot 6

This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online banking. It offers a convenient mobile alternative to hardware tokens, requiring a simple activation process and a personal passcode for access.

What We Love

  • ✅ Helpful customer support team (when reachable)
  • 🌍 Useful for diaspora customers without hardware token
  • ⚡ Fast authentication with biometric when working

Room to Improve

  • 🐛 App freezes and crashes frequently
  • ❌ Fails to activate with debit card details
  • 📧 OTP codes not sent to email or phone
  • 🔄 Updates break existing functionality
  • ⏱️ Extremely slow loading times (15-20 seconds)
  • 📱 UI design flaws (overlapping buttons, unclickable elements)
  • 🚫 Invalid/non-functional generated codes
  • ☎️ Unreachable customer service
  • 🔐 Authorization code system unreliable
  • ⚠️ Unclear error messages
  • 🔄 Requires constant reactivation after updates
  • 🌐 Poor support for international users
  • 💾 Login information wiped after updates
  • 🔌 App doesn't open or crashes on launch
UBA Secure Pass#2

UBA Secure Pass by United Bank For Africa Plc

(Formerly called U-Token)
Strong Contender
💰 Finance
1.9😞(275 ratings)
Free
UBA Secure Pass screenshot 1
UBA Secure Pass screenshot 2
UBA Secure Pass screenshot 3

This app provides a secure mobile token for authorizing transactions and managing your identity across various banking platforms. It allows for self-activation, eliminating the need to visit a bank branch for setup.

What We Love

  • ✅ Simple login process with UBA generated user ID
  • ⚡ Fast and efficient when working properly

Room to Improve

  • 🐛 Red screen freeze on launch (especially iPhone)
  • ❌ 'User not eligible' error message preventing access
  • 📱 Poor compatibility with iOS devices
  • 🔌 App fails to load or open
  • 💔 OTP/SMS messages never received
  • 🚫 Blocks bulk transfers forcing individual transactions
  • 😤 Unresponsive customer support
  • ⚠️ Frequent error messages throughout app
  • 🔄 No improvements despite multiple updates
  • 📊 Disorganized and poorly managed by bank

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4
GT e-Token Plus
GT e-Token Plus
GT e-Token Plus
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This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online and mobile banking. It offers a convenient alternative to hardware tokens, providing 24/7 access to banking services after a simple activation process.

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5
FCMB Mobile
FCMB Mobile
FCMB Mobile
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Manage personal and business finances conveniently and securely. This app offers real-time account and card management from anywhere, anytime, with a user-friendly interface.

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6
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Manage your finances on the go with this mobile banking app. Perform card settlements, transfer funds, and make payments using QR codes. The app offers a comprehensive overview of all your accounts and various banking services.

Account overview and historyFund transfers (own, Zenith, other banks, foreign)Bill payments and airtime recharge
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7
ZenithBankToken
ZenithBankToken
ZenithBankToken
by Zenith Bank PLC
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This app generates one-time passwords (OTPs) for secure electronic transaction authentication. It serves as a digital alternative to hardware tokens, offering various activation methods for both individual and corporate users.

One-time password (OTP) generationElectronic transaction authenticationAlternative to hardware tokens
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8
Chipper Cash
Chipper Cash
Chipper Cash
Send or Request Cash in Africa
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Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.

Free local money transfersLow cross-border ratesBuy discounted airtime with cashback
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9
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
Save, Invest & Manage Money
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This platform offers a comprehensive suite of tools for saving, investing, and managing your finances. It provides various savings options, from automated plans to goal-oriented saving, and allows secure investment in diverse assets with competitive returns. The service prioritizes security and transparency, with a proven track record and regulatory compliance.

Automated daily, weekly, or monthly savingsGoal-based and group savingsFixed-term savings with upfront interest
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10
CadRemit
CadRemit
CadRemit
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Facilitate seamless cross-border payments across Canada, Nigeria, Europe, and the USA. Send and receive multiple currencies with competitive exchange rates and zero hidden fees. Support loved ones or pay international tuition with ease.

Multi-currency wallets (CAD, NGN, EUR, USD)Virtual accounts for receiving paymentsEasy international tuition payments
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