Token Open Banking vs Access More
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Token Open Banking
Manage your bank-direct payments and financial permissions from a single platform. Create a secure identity, link bank accounts, and authorize third parties to access your financial data. Two-factor authentication ensures you remain in control of your transactions and permissions.
- Create a Token alias for identity
- Link multiple bank accounts
- Make bank-direct payments
- Share account information securely
- Manage permissions and transactions
- Two-factor authorization for security
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The Token app allows you to control your bank-direct payments and financial permissions from one single place. CREATE IDENTITY Create your Token alias. LINK BANK ACCOUNTS Link bank accounts with your new Token identity. MAKE BANK DIRECT PAYMENTS You can now use any of your linked bank accounts as your source of payments. SHARE ACCOUNT INFORMATION Grant permissions to your trusted third parties to securely access your banking information (account balance and transaction history). REMAIN IN CONTROL The Token app uses two-factor authorization for transactions over €30 and to grant permissions - this way, you can be sure you remain in control of your accounts. Moreover, it allows you to manage all your permissions, transactions, and accounts from one place. TRY IT OUT The Token app gives you full control over who is allowed to charge your bank account and see your account information, while making it safer and easier to move money. Token is compliant with the PSD2 regulation in Europe.
Access More
This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.
- Quick account opening
- Personalized dashboards and themes
- Investment services
- Loan and visa applications
- Bill payments and transfers
- Card and cheque services
- Airtime top-up
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The Access More App is an innovative mobile payment application that offers a more than banking experience. The App is built to help our customers consummate their financial transactions, payment solutions and enjoy a lifestyle experience. Prospect customers are welcome to become account holders by downloading the App and onboarding themselves on the platform seamlessly. The App is built on cutting-edge technology, offering tailored and personalized services, ease of use and excellent customer experience to all our customers The following unique features are available on the App: Quick account opening Personalized theme and color scheme Bespoke dashboards Single click to all favorite features Self QR generation for intra-bank transfers Scan QR for payments Investment services PayDay Loan Dubai Visa application Movie Ticket purchase Improved beneficiary management Efficient bills payment Inter-bank transfers Simplified foreign currency transfer service Airtime top-up Cheque Services (New cheque book request, stop and confirm cheque) Card Services (New debit card request, card block and unblock) Transfers to Access Y’ello accounts Gaming And lots more…. How to get the Access More App Download and install the Access More App Existing Access Mobile App users can login with the same username and password and transact with their existing PIN Existing Diamond Mobile App users can login with the same username and password and transact with their existing PIN For new users, simply open the downloaded App and register
Screenshots
Verdict
The clearest difference is review sentiment: Access More at 66% against Token Open Banking's 23%. Access More also leads on rating (4.7 vs 4.0) and ratings volume (119K vs 1). Token Open Banking's advantage is iOS requirement (9.1 vs 15.5). 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.
Access More holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: Access More has 119K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 23% of Token Open Banking's written reviews are positive against 66% of Access More's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | Token Open Banking | Access More |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1 ratings) | 4.7 (119K ratings) — better |
| Positive reviews | 22.7% of reviews | 65.9% of reviews — better |
| Number of ratings | 1 | 119K — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 9.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 86 MB | 232 MB |
| Age rating | 4+ | 4+ |
| Developer | TOKEN, INC. | Access Bank Plc |
Customer experience
Token Open Banking
Access More
Bugs and requests
Token Open Banking
Not enough reviews yet to summarise bugs or requests.
Access More
Reported bugs
4 issues- Disappearing beneficiary list
- Inability to upgrade transaction limits
- Inconsistent app performance across devices
- Login and OTP issues
Requested features
4 requests- Ability to save beneficiaries
- Calendar view for transaction history
- Facial recognition login option
- Improved notification management
In-app purchases
Token Open Banking
No in-app purchases
Access More
No in-app purchases
Questions
Is Token Open Banking free?
Is Access More free?
Which has better reviews, Token Open Banking or Access More?
Do Token Open Banking or Access More have ads?
Which is updated more often, Token Open Banking or Access More?
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