Fidelity Token vs Remita
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fidelity Token
Secure your online banking transactions with a mobile app that acts as a second factor for authentication. Verify fund transfers, bill payments, and recharges directly on your iOS device, eliminating the need for a physical hardware token. This app provides an easy and fast way to confirm transaction details and complete them with a secure One Time Passcode.
- Second factor authentication
- Verify online transactions
- Eliminates hardware tokens
- One Time Passcode (OTP)
- Easy PIN input for OTP
- Copy and paste OTP
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Fidelity Token is an innovative mobile app for second factor authentication that enables Fidelity Online Banking users secure all transactions using their iOS devices. This eliminates the need to carry a hardware token. VERIFY TRANSACTIONS Guard yourself when transacting online by confirming your transactions such as: fund transfer, bills payment, airtime recharge etc. right on your mobile application. Confirm the details and enter your secure, One Time Passcode (OTP) to complete the transaction. ACTIVATING YOUR SOFT TOKEN To activate the Fidelity Token, simply login to the Fidelity Token app with your Fidelity Online Banking credentials. Once logged in, the app will authenticate your mobile phone and also request that you provide answer to any of your secret questions. EASE OF USE, SPEED OF TRANSACTION Fidelity Token has been uniquely designed as an easy solution for your transactions. All you need is to input your PIN and the one time password is available instantly to complete your transactions. If you are using the Fidelity Online Banking app, you can easily copy the eight digit token response and paste as required. INFORMATION AND CUSTOMER SERVICE When activating your token for the first time, you will be charged N1,500 + 5% VAT. However this is a one-time charge for your token in line with the Central Bank of Nigeria’s directive. Subsequent reinstallation or reactivation will be free of charge. For more information, please call True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng. Copyright © Fidelity Bank Plc. 2016. All rights reserved. Fidelity Token is a trademark of Fidelity Bank Plc.
Remita
Manage your finances with ease. Send money to Nigerian and African banks, pay bills, book flights, and top up airtime. Track expenses, set budgets, and automate recurring payments. Facilitates group payments and contactless transactions.
- Money transfers to Nigerian and African banks
- Bill payments (electricity, TV, school fees)
- Flight booking and comparison
- Airtime and data top-up
- Consolidated bank account view
- Budgeting and expense tracking
- Automated recurring payments
- QR code payments
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Send Money Anywhere: Transfer to all Nigerian banks, including microfinance banks and wallets, plus send to banks across Africa. Pay Bills Easily: Electricity, water, Pay TV, school fees, insurance, government agencies and more. Book Flights: Search, compare, book, and pay for local and international flights. Top Up Airtime & Data: Recharge for yourself, others, or multiple beneficiaries instantly. View All Your Accounts: See balances across all your profiled bank accounts on one screen. Budget & Track Expenses: Plan ahead and spend wisely. Recurring Payments: Never miss any time-bound payment again! Simply automate it with Remita. Split Bills: Super easy way to pull funds together for a common purpose-hangout, support for a friend, project, etc. Snap or Tap to Pay: Scan QR codes or tap to complete payments at shops, schools, restaurants, and more. Business Ready: Review and securely authorise payments for SME, businesses, SME, NGOs, faith institutions, governments and others on the go.
Screenshots
Verdict
The clearest difference is rating: Remita at 3.1 against Fidelity Token's 2.4. Remita also leads on monetization model (free vs paid) and update cadence (every 5 days vs every 3 months). Fidelity Token's advantage is iOS requirement (13.0 vs 16.0). On price, review sentiment, ratings volume and ads 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.
Remita holds the better App Store score, 3.1 against 2.4. Both are backed by a comparable volume of ratings — 56 and 24 respectively. Written reviews point the same way: 4% of Fidelity Token's written reviews are positive against 7% of Remita's.
Fidelity Token ships an update every 3 months, Remita every 5 days. Both last shipped on November 2, 2026.
| Parameter | Fidelity Token | Remita |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (56 ratings) | 3.1 (24 ratings) — better |
| Positive reviews | 3.7% of reviews | 6.7% of reviews — better |
| Number of ratings | 56 — better | 24 |
| Update frequency | Every 3 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 20 MB | 186 MB |
| Age rating | 4+ | 4+ |
| Developer | Fidelity Bank Plc | Systemspecs Limited |
Customer experience
Fidelity Token
Remita
In-app purchases
Fidelity Token
No in-app purchases
Remita
No in-app purchases
