# GT eToken

> Mobile application for generating one-time passwords (OTPs) for electronic transaction authentication. (iPhone/iPad app by Guaranty Trust Bank PLC.)

- Source: https://appshunter.io/ios/app/gt-etoken/id6443600518 (this page in markdown: same URL + `.md`)
- Developer: [Guaranty Trust Bank PLC](https://appshunter.io/developer/662878574)
- Category: Finance, Utilities
- Price: Free
- Rating: 1.80/5 from 93 App Store ratings · 83 written reviews indexed
- Age rating: 4+
- Requires: iOS 10.0 · 51 MB
- Languages: American English, Catalan, French (France), German (Germany), Italian, European Portuguese, Chinese (Simplified, China), European Spanish
- Released: 2022-10-20
- Data updated: 2026-08-17
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/gt-etoken/id6443600518/reviews.md

## What is GT eToken?

GT eToken Application Description (About this app)
The GT eToken is a mobile application for generating One Time Passwords (OTPs) used in authenticating electronic transactions.

A one-time password (OTP) is a secure and automatically generated string of characters that authenticates the user for login and/or electronic transaction completion.

Electronic transactions include (but may not be limited to) web, internet banking and mobile banking transactions, where you are required to enter a 6-digit token-generated code.

A one-time password (OTP) generated from your GT eToken App can be used as an alternative to or alongside the GTBank hardware token device.

Activating Your GT eToken app
To activate your GT eToken app, select your customer type and choose your preferred activation method, which can be the use of your Bank card, Hardware Token or by calling contact center to get an authorization code.

Your data ID will be verified to complete the activation.

Using Your GT eToken app:
Once your app is activated, you can create a unique 6-digit Passcode that will be used for subsequent log in to the application and enjoy 24/7 banking.

You can find more information about GT eToken on www.gtbank.com or contact GTCONNECT contact center on 080 2900 2900 or 080 3900 3900.

Note: To avoid your OTP being used by anyone, you absolutely DO NOT DISCLOSE OTP code for anyone.

## Key features

- Generates one-time passwords (OTPs)
- Authenticates electronic transactions
- Mobile alternative to hardware tokens
- Secure 6-digit passcode for login
- 24/7 banking access

## What do users think of GT eToken?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🐛 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

**Commonly reported bugs**

- App fails to activate with correct debit card information
- OTP generation and delivery failures
- Generate OTP button overlaps with menu icons and is unclickable
- Terms and conditions checkbox not clickable
- App freezes requiring phone restart to function
- Login credentials erased after app updates
- Error message 'Onboarding limit exceeded' prevents login
- Invalid token error after app updates
- App crashes on launch or won't open
- OTP verification buffering indefinitely
- Authorization code field accepts wrong number of digits
- Hardware token activation not recognized
- Email OTP not received despite correct email address
- App automatically logs out without option to log back in
- Inconsistent error handling with same error for wrong and correct information

**Most requested features**

- Revert to previous version or hardware token system
- Implement better error messages with solutions
- Add offline functionality for transactions
- Improve customer service accessibility (email, chat support)
- Modernize technology infrastructure with AI improvements
- Preserve login credentials across app updates
- Support for non-standard email domains
- Better UI/UX design with proper button placement
- Faster app performance and loading times
- Alternative activation methods for international users

## Recent user reviews (10 of 83)

All indexed reviews: https://appshunter.io/ios/app/gt-etoken/id6443600518/reviews.md

### 1/5 — Cursed bank and useless app

*2026-04-22*

You are busy forcing people to use your useless gte-Token  plus app 
That one is even worse 
It’s not working . How did your useless team of engineers get hired ?? 
Your apps are as useless as the bank itself

### 1/5 — Disappointing

*2026-02-22, version 3.0.6*

Would not activate with debit card details tells you to call gtconnect for authorisation code, and when you call and hold on the call for a whole century you end up being told they are sorry you should go to the bank!!!!

### 1/5 — Needs serious work

*2025-11-10*

I’m currently out of the country and need transactions doing, I can’t physically go to any branch and I’m trying to sign up for the etoken which is a hot mess by the way, I’ve put in the correct details but still says not recognised, your tech team is way below par and needs to catch up, now I can’t do any transactions and I’m left stranded. Pls fix up and pls can your customer care team reply emails as we can’t call directly!!!!!

### 1/5 — Terrible App

*2025-08-09*

This app used to be good. I never had any problem with it. But it has now become VERY USELESS. You can imagine one wants to make an important transfer and the app will be frozen.

### 1/5 — Simply useless

*2025-08-07*

This is the most useless app ever. All the codes generated on the useless app are invalid. Cannot even use it for transactions. So frustrating

### 1/5 — Frustrating app

*2025-07-21*

Didn’t send code to my email.

### 1/5 — Mr

*2025-05-03, version 3.0.4*

Worst app ever

### 1/5 — Bad

*2025-03-22, version 3.0.4*

It does not work!!! Unable to even register.please revert to hardware token while you work on getting it right

### 1/5 — App does not refresh itself

*2025-03-06*

This app is so annoying that I have to turn my phone off and on to refresh. After a day or two of not using the app, it would not prompt you to sign in or forget password, app freezes that I will have to turn it off and on to refresh. Imagine when you’re in a hurry or have an important call ongoing but have to end your call so to turn off and on in order to use. Very useless app. If there is anything less than a star.. that’s what I would give.

### 1/5 — Garbage

*2025-03-04, version 3.0.4*

The title speaks for itself. GTB ought to be ashamed of themselves and their incompetence. What a shame

## Frequently asked questions about GT eToken

### What does the GT eToken app do?

The GT eToken app generates secure one-time passwords (OTPs) that are used to authenticate your electronic transactions. This includes web, internet banking, and mobile banking transactions where a 6-digit code is required.

### How do I activate the GT eToken app?

To activate the app, you will need to select your customer type and choose an activation method. Options include using your bank card, a hardware token, or calling the contact center for an authorization code. Your data ID will be verified to complete the activation.

### Is the GT eToken app free to use?

Yes, the GT eToken app is available for free. The description does not mention any costs associated with downloading or using the core OTP generation features.

### What are the benefits of using the GT eToken app?

The app provides a convenient mobile alternative to physical hardware tokens for transaction authentication. Once activated, you can create a personal 6-digit passcode for easy and secure access to 24/7 banking services.

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

You can use the OTPs generated by the GT eToken app for various electronic transactions. This includes web-based banking, internet banking, and mobile banking where a secure code is needed to complete the transaction.

## Version history (last 5 releases)

### 3.0.7 — 2026-04-14

A decommissioning notification is now displayed on launch. Users are required to review the notice and transition to the new app within the defined timeline to ensure service continuity.

### 3.0.6 — 2025-12-08

Bug fixes and enhancements

### 3.0.5 — 2025-10-23

- Added support for onboarding Joint Account profiles, expanding account accessibility and improving the onboarding experience.
- Bug fixes and enhancement

### 3.0.4 — 2024-04-17

Bug fixes and enhancement

### 3.0.3 — 2024-02-26

Security improvements
Bug fixes and enhancements

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## More apps by Guaranty Trust Bank PLC

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All apps by Guaranty Trust Bank PLC: https://appshunter.io/developer/662878574

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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 2026-08-17.*