Fidelity Token vs (KeyMobile)
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.
(KeyMobile)
Manage your finances conveniently with this app, offering secure banking services, fund transfers, bill payments, and investment opportunities. Access account details, block cards, and utilize self-service options for a personalized banking experience.
- Account and card management
- Fund transfers (local and international)
- Bill payments (airtime, data, cable, utility)
- Loan requests
- Investment booking
- Self-service options (transaction limits, PIN reset)
- Facial and fingerprint authentication
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Welcome to the Future of Banking. Welcome to KeyMobile . Banking, Reimagined. Experience a smarter, faster, and more secure way to bank. With KeyMobile, everything you need is right at your fingertips—from everyday banking to powerful financial tools designed around your lifestyle. Transfer money instantly, pay bills with ease, purchase airtime and data, invest confidently, and send international transfers effortlessly—all from one intuitive app. Enjoy a personalized banking experience that puts you in control, wherever life takes you. One app. Endless possibilities. Getting Started with KeyMobile Banking has never been easier. Whether you're a new or existing customer, accessing KeyMobile is simple, secure, and takes just a few minutes. For New Users Follow these simple steps to register and start banking: Download and install the KeyMobile app. Tap Register. Enter your BVN, Account Number, and select your preferred verification method. Enter the last six digits of your debit card. Input the One-Time Password (OTP) sent to your registered mobile number. Create your preferred Username and Password. Start enjoying a world of smarter banking. For Existing Users Already registered? Simply sign in using any of the convenient authentication methods below: Log in with your Username and Password Sign in securely using Fingerprint Authentication Access your account instantly with Facial Recognition What You Can Do with KeyMobile Account & Card Management Manage your accounts and cards with ease. Open a new account in minutes Request a Debit Card, Virtual Card, or Credit Card Block or unblock your debit card instantly View, download, and share transaction receipts Monitor your account balances and transaction history Send Money Transfer funds anytime, anywhere. Transfer between your own accounts Send money to Keystone Bank accounts Transfer funds to all Nigerian banks Send money using a phone number Transfer to multiple beneficiaries at once Make international transfers Pay merchants instantly using NQR Bills & Payments Pay for everything from one app. Buy airtime for yourself or others Purchase data bundles Pay electricity and other utility bills Renew cable TV subscriptions Make Government Collection payments Pay for education, taxes, and other supported services Lifestyle Services Beyond banking, enjoy lifestyle conveniences. Buy eVouchers and Gift Cards Book flights Reserve hotel accommodations Purchase eSIMs Buy international airtime Loans, Savings & Investments Grow your finances with flexible options. Apply for loans instantly Invest in available investment products Access Buy Now, Pay Later (BNPL) for: Airtime Data Bill Payments Self-Service & Security Stay in control of your banking experience. Set and manage transaction limits Change or reset your transaction PIN Schedule recurring payments Manage your beneficiaries Enroll for and manage NQR payments Update your profile and security preferences Enjoy secure banking with biometric authentication Why You'll Love KeyMobile Fast, secure, and easy to use Personalized banking experience 24/7 access to your finances All your banking and lifestyle services in one app Built with enhanced security to keep your money safe KeyMobile — Banking Without Limits. Contact Us: For any inquiries, requests, or dispute management, please use the following contact details: Address: 1, Keystone Bank Crescent, Victoria Island Lagos. Email: Contactcentre@keystonebankng.com Phone: +234 700 2000 3000 or 02013448668 or 02014485743.
Screenshots
Verdict
The clearest difference is rating: (KeyMobile) at 3.1 against Fidelity Token's 2.4. (KeyMobile) also leads on update cadence (every 5 weeks vs every 3 months) and monetization model (free with in-app purchases vs paid). Fidelity Token's advantage is iOS requirement (13.0 vs 15.5). On price, ads, in-app purchases and device support 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.
(KeyMobile) holds the better App Store score, 3.1 against 2.4. That said, the two scores are not equally well evidenced: (KeyMobile) has 300 ratings behind it against 58, so its average is the more settled of the two. Written reviews point the same way: 4% of Fidelity Token's written reviews are positive against 16% of (KeyMobile)'s.
Fidelity Token ships an update every 3 months, (KeyMobile) every 5 weeks. The most recent releases landed on October 8, 2026 and October 6, 2026 respectively.
| Parameter | Fidelity Token | (KeyMobile) |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (58 ratings) | 3.1 (300 ratings) — better |
| Positive reviews | 3.7% of reviews | 15.7% of reviews — better |
| Number of ratings | 58 | 300 — better |
| Update frequency | Every 3 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free with in-app purchases — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 20 MB | 67 MB |
| Age rating | 4+ | 17+ |
| Developer | Fidelity Bank Plc | Keystone Banking |
Customer experience
Fidelity Token
(KeyMobile)
Bugs and requests
Fidelity Token
Not enough reviews yet to summarise bugs or requests.
(KeyMobile)
Reported bugs
5 issues- Unable to login or access account
- Transactions failing or not reflecting
- App crashing or freezing frequently
- Compatibility issues with newer devices
- Incorrect account balances or transaction records
Requested features
5 requests- Add support for more payment platforms
- Improve transaction history and statements
- Provide better error messaging and troubleshooting
- Streamline login and authentication process
- Enhance app stability and performance
In-app purchases
Fidelity Token
No in-app purchases
(KeyMobile)
No in-app purchases
Questions
Is Fidelity Token free?
Is (KeyMobile) free?
Which has better reviews, Fidelity Token or (KeyMobile)?
Do Fidelity Token or (KeyMobile) have ads?
Which is updated more often, Fidelity Token or (KeyMobile)?
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