FirstMobile App vs GT eToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FirstMobile App
This official mobile banking app offers convenient access to financial and non-financial transactions for account holders. It features a DIY enrollment process, allowing new customers to open accounts and existing customers to register without visiting a branch.
- Financial transactions
- Non-financial transactions
- DIY enrollment
- Open new accounts
- Register existing accounts
- Digital banking experience
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FirstMobile is the official mobile banking smartphone application from FirstBank. It provides FirstBank account holders with convenient access to both financial and non-financial transactions via their mobile phones/devices. The App is sleek and convenient to use- evident in its DIY enrolment process. New customers can simply download the app and open a FirstBank account while existing customers with Verve or Naira Mastercards can register and begin using the app without cause to visit a physical branch location. FirstMobile is poised to offer an even more reliable and definitely more convenient digital banking experience with its latest version update.
GT eToken
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.
- Generates one-time passwords (OTPs)
- Authenticates electronic transactions
- Mobile alternative to hardware tokens
- Secure 6-digit passcode for login
- 24/7 banking access
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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.
Screenshots
Verdict
The clearest difference is rating: FirstMobile App at 3.1 against GT eToken's 1.8. FirstMobile App also leads on ratings volume (2K vs 93) and review sentiment (15% vs 4%). GT eToken's advantage is iOS requirement (10.0 vs 15.1). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
FirstMobile App holds the better App Store score, 3.1 against 1.8. That said, the two scores are not equally well evidenced: FirstMobile App has 2K ratings behind it against 93, so its average is the more settled of the two. Written reviews point the same way: 15% of FirstMobile App's written reviews are positive against 4% of GT eToken's.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 23, 2026 and August 17, 2026 respectively.
| Parameter | FirstMobile App | GT eToken |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (2K ratings) — better | 1.8 (93 ratings) |
| Positive reviews | 15.1% of reviews — better | 3.6% of reviews |
| Number of ratings | 2K — better | 93 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 10.0 — better |
| Further details — not scored | ||
| Size | 119 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Guaranty Trust Bank PLC |
Customer experience
FirstMobile App
GT eToken
User reviews
FirstMobile App
From 2K App Store ratingsWhat we love
- 👍 Excellent features
- 👍 Easy to navigate
- 👍 Secure
- 👍 Reliable
- 👍 Convenient
Room to improve
- 🐛 Frequent crashes
- 🐛 Freezing issues
- 🐛 Slow performance
- 🐛 Network connection problems
- 🐛 Buggy after updates
GT eToken
From 93 App Store ratingsWhat 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)
Bugs and requests
FirstMobile App
Reported bugs
5 issues- Unable to log in after update
- Blank screen when selecting account to debit
- Inconsistent behavior on different devices
- OTP not received during login
- Virtual card services not working properly
Requested features
7 requests- Add Face ID/fingerprint login
- Introduce theme options (dark/light mode)
- Improve account statement history
- Enable e-statement generation
- Add bulk transfer functionality
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- Provide more login options beyond ATM card
- Improve beneficiary management
GT eToken
Reported bugs
15 issues- 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
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- 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
Requested features
10 requests- 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
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- 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
In-app purchases
FirstMobile App
No in-app purchases
GT eToken
No in-app purchases
Questions
Is FirstMobile App free?
Is GT eToken free?
Which has better reviews, FirstMobile App or GT eToken?
Do FirstMobile App or GT eToken have ads?
Which is updated more often, FirstMobile App or GT eToken?
Other comparisons
