Fidelity Token vs helloBob
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.
helloBob
Manage your cryptocurrency portfolio with this secure mobile wallet. Hold, swap, send, and sell various coins, track live prices, and get instant support. Transfer crypto fee-free between users and cash out to your bank account.
- Hold and track major cryptocurrencies
- Instant crypto swaps with locked quotes
- Fee-free crypto transfers between users
- Sell crypto for bank account payouts
- Real-time market prices and filters
- In-app chat support with AI bot
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HelloBob — Your All-in-One Crypto Wallet HelloBob is a secure mobile wallet for holding, swapping, sending, and selling cryptocurrency. Track your portfolio in real time, transfer crypto fee-free between users, and cash out to your bank account when you're ready — all in one app. WHAT YOU CAN DO • Hold and track — manage Bitcoin, Ethereum, USDT, and dozens of other major coins with live prices and 24-hour profit/loss • Swap instantly — exchange any supported coin for another with locked 5-minute quotes • Send fee-free — transfer crypto to any HelloBob user with zero network fees and instant settlement • Sell for cash — convert crypto and receive payouts straight to your bank account • Withdraw anywhere — send to external wallets across major networks (BTC, ERC-20, TRC-20, BEP-20, and more) • Deposit easily — get a personal address with QR code for every supported coin and network MARKETS AT A GLANCE • Real-time prices for top cryptocurrencies • Hot, Gainers, and Losers filters • Live rates ticker on the home screen CHAT & SUPPORT, BUILT IN • Message a real support agent without leaving the app • AI trading bot for instant answers to common questions • Reply, edit, attach images, send voice notes — full-featured chat SECURITY YOU CAN TRUST • Two-factor authentication (TOTP) with recovery codes • Face ID / Fingerprint app lock • 4-digit transaction PIN required for every financial action • Active session management — see every logged-in device and revoke any of them • PINs hashed and verified server-side; never stored in plain text VERIFIED FOR SAFETY Quick identity verification unlocks all features. Higher-tier KYC is available for advanced limits. Your data is encrypted and never shared. REAL-TIME, ALWAYS Push notifications and live in-app updates for incoming messages, deposits, withdrawal status, KYC outcomes, and trade settlements — so you always know what's happening with your money. Download HelloBob today and take control of your crypto, your way.
Screenshots
Verdict
The clearest difference is rating: helloBob at 3.0 against Fidelity Token's 2.4. helloBob also leads on monetization model (free vs paid) and update cadence (monthly vs every 3 months). Fidelity Token's advantage is ratings volume (58 vs 2) and iOS requirement (13.0 vs 15.1). 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.
helloBob holds the better App Store score, 3.0 against 2.4. That said, the two scores are not equally well evidenced: Fidelity Token has 58 ratings behind it against 2, so its average is the more settled of the two.
Fidelity Token ships an update every 3 months, helloBob monthly. The most recent releases landed on October 8, 2026 and September 30, 2026 respectively.
| Parameter | Fidelity Token | helloBob |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (58 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 3.7% of reviews | — |
| Number of ratings | 58 — better | 2 |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 20 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | Fidelity Bank Plc | Boblittle Limited |
Customer experience
Fidelity Token
helloBob
In-app purchases
Fidelity Token
No in-app purchases
helloBob
No in-app purchases









