Best FirstToken alternatives: apps like FirstToken

10+ similar apps compared and reviewed

3.8 avg rating

10 free apps

Updated November 2026

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

UBA Secure Pass by United Bank For Africa Plc

(Formerly called U-Token)

Editor's Choice

1.9😞(285 ratings)

Free

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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

#2

GT e-Token Plus by Guaranty Trust Bank PLC

Strong Contender

4.9(816 ratings)

Free

GT e-Token Plus screenshot 1

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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.

#3

FCMBOnlineToken vs2 by First City Monument Bank

Worth Considering

2.4(27 ratings)

Free

FCMBOnlineToken vs2 screenshot 1

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This app provides a secure and convenient way to authenticate online banking transactions, replacing the need for physical hardware or SMS tokens. It offers enhanced security with a password feature and eliminates SMS delays for a smoother user experience.

More apps like FirstToken

Zenith Bank eaZymoney

Zenith Bank eaZymoney

Zenith Bank eaZymoney

by Zenith Bank PLC

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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by First City Monument Bank

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.

Personal finance managementBusiness finance managementAccount management

Compare with FirstToken

ZenithBankToken

ZenithBankToken

ZenithBankToken

by Zenith Bank PLC

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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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

Compare with FirstToken

PiggyVest: Save & Invest Today

PiggyVest: Save & Invest Today

PiggyVest: Save & Invest Today

Save, Invest & Manage Money

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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Send or Request Cash in Africa

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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Bamboo: Invest. Trade. Earn.

Bamboo: Invest. Trade. Earn.

Bamboo: Invest. Trade. Earn.

by Bamboo Global Inc

Invest in US stocks easily and securely, even as a non-US citizen. Start with fractional shares and enjoy a user-friendly platform for trading and earning.

Easy registration with minimal detailsInstant trading of US stocksSIPC and FINRA insured trades

Compare with FirstToken