Fidelity Token vs Billpoint
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.
Billpoint
Manage all your bills and transactions in one convenient app. Pay for utilities, airtime, data, and even book flights. Enjoy secure, fast payments with rewards and 24/7 customer support.
- Seamless bill payments
- Instant gift card purchases
- eSIM activation & top-ups
- Virtual accounts for funding
- Fast & secure transactions
- Exclusive rewards & bonuses
- 24/7 dedicated support
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SABIBILL DESCRIPTION Power your Bills with SabiBill—your all-in-one repository solution for effortless bill management. With a seamless interface, advanced features, and robust security, handling your transactions has never been easier. Pay bills, top up airtime, purchase data, book flights, activate, and more—all in one place, with speed and reliability you can trust. Why Choose SabiBill? * 24/7 dedicated customer support to assist you anytime, anywhere. * Exciting welcome bonuses and rewards through our referral and earning program. * Affordable services for bill payments, airtime, data, eSIMs, and more. Powerful Feature * Seamless Bill Payments – Effortlessly pay for airtime, data, electricity, cable TV (DStv, GOtv, Showmax, StarTimes), and more in seconds. * Fast & Secure Transactions – Experience top-notch security and real-time processing, ensuring your payments are always safe and instant. * Exclusive Rewards & Bonuses – Earn cashback, referral bonuses, and special incentives while using SabiBill. * 24/7 Dedicated Support – Our customer support team is available round the clock to assist you anytime, anywhere.
Screenshots
Verdict
The clearest difference is review sentiment: Billpoint at 57% against Fidelity Token's 4%. Billpoint also leads on rating (4.6 vs 2.4) and monetization model (free vs paid). 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.
Billpoint holds the better App Store score, 4.6 against 2.4. That said, the two scores are not equally well evidenced: Billpoint has 906 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 57% of Billpoint's.
Fidelity Token ships an update every 3 months, Billpoint every 6 weeks. The most recent releases landed on September 17, 2026 and September 23, 2026 respectively.
| Parameter | Fidelity Token | Billpoint |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (58 ratings) | 4.6 (906 ratings) — better |
| Positive reviews | 3.7% of reviews | 57.1% of reviews — better |
| Number of ratings | 58 | 906 — better |
| Update frequency | Every 3 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 20 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | Fidelity Bank Plc | Flexgreen Concept Ltd |
Customer experience
Fidelity Token
Billpoint
Bugs and requests
Fidelity Token
Not enough reviews yet to summarise bugs or requests.
Billpoint
Reported bugs
7 issues- iTunes not received via email
- Money not reflecting after hours
- Account blocked after sending money
- Money disappeared without trace
- App crashes more often than it works
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- Cannot deposit or buy anything
- Cannot use most functions
Requested features
3 requests- Notify customers of downtime
- Add withdrawal features
- Improve security (PIN required)
In-app purchases
Fidelity Token
No in-app purchases
Billpoint
No in-app purchases
