# Fidelity Token vs GT eToken

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.

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.

## The numbers

| Metric | Fidelity Token | GT eToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.4 (58 ratings)](https://appshunter.io/ios/app/fidelity-token/id1142222358/reviews)** | [1.8 (93 ratings)](https://appshunter.io/ios/app/gt-etoken/id6443600518/reviews) |
| Number of ratings | 58 | **93** |
| Positive reviews | **3.7% of reviews** | 3.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Paid | **Free** |
| Size | 20 MB | 51 MB |
| Requires iOS | 13.0 | **10.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Fidelity Bank Plc](https://appshunter.io/developer/945935916) | [Guaranty Trust Bank PLC](https://appshunter.io/developer/662878574) |

## What reviewers say

### Fidelity Token

[App page](https://appshunter.io/ios/app/fidelity-token/id1142222358)

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.

**Highlights:** Second factor authentication, Verify online transactions, Eliminates hardware tokens, One Time Passcode (OTP), Easy PIN input for OTP, Copy and paste OTP

**Features:** macOS Compatibility

**In-app purchases:** none


### GT eToken

[App page](https://appshunter.io/ios/app/gt-etoken/id6443600518)

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.

**Highlights:** Generates one-time passwords (OTPs), Authenticates electronic transactions, Mobile alternative to hardware tokens, Secure 6-digit passcode for login, 24/7 banking access

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ✅ Helpful customer support team (when reachable)
- 🌍 Useful for diaspora customers without hardware token
- ⚡ Fast authentication with biometric when working

**What reviewers complain about**

- 🐛 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)

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Fidelity Token free?

Fidelity Token is free to download, with no in-app purchases.

### Is GT eToken free?

GT eToken is free to download, with no in-app purchases.

### Which has better reviews, Fidelity Token or GT eToken?

Fidelity Token is rated higher. Fidelity Token averages 2.4 out of 5 from 58 ratings, while GT eToken averages 1.8 from 93 ratings.

### Do Fidelity Token or GT eToken have ads?

Neither Fidelity Token nor GT eToken shows ads.

### Which is updated more often, Fidelity Token or GT eToken?

Fidelity Token ships an update every 3 months, and GT eToken every 2 months. Most recently, Fidelity Token was updated on September 17, 2026 and GT eToken on August 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*