Fidelity Token vs GT eToken
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.
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: Fidelity Token at 2.4 against GT eToken's 1.8. GT eToken's advantage is monetization model (free vs paid) and iOS requirement (10.0 vs 13.0). On price, review sentiment, ratings volume and update cadence 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.
Fidelity Token holds the better App Store score, 2.4 against 1.8. Both are backed by a comparable volume of ratings — 58 and 93 respectively. Written reviews split almost evenly too, at 4% and 4% positive.
Fidelity Token ships an update every 3 months, GT eToken every 2 months. The most recent releases landed on September 17, 2026 and August 17, 2026 respectively.
| Parameter | Fidelity Token | GT eToken |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (58 ratings) — better | 1.8 (93 ratings) |
| Positive reviews | 3.7% of reviews — better | 3.6% of reviews |
| Number of ratings | 58 | 93 — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 10.0 — better |
| Further details — not scored | ||
| Size | 20 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Fidelity Bank Plc | Guaranty Trust Bank PLC |
Customer experience
Fidelity Token
GT eToken
Bugs and requests
Fidelity Token
Not enough reviews yet to summarise bugs or requests.
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
Fidelity Token
No in-app purchases
GT eToken
No in-app purchases
