# Fidelity Token vs Billpoint

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.

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.

## The numbers

| Metric | Fidelity Token | Billpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (58 ratings)](https://appshunter.io/ios/app/fidelity-token/id1142222358/reviews) | **[4.6 (906 ratings)](https://appshunter.io/ios/app/billpoint/id6741872401/reviews)** |
| Number of ratings | 58 | **906** |
| Positive reviews | 3.7% of reviews | **57.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | Paid | **Free** |
| Size | 20 MB | 43 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Fidelity Bank Plc](https://appshunter.io/developer/945935916) | [Flexgreen Concept Ltd](https://appshunter.io/developer/1457155176) |

## 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


### Billpoint

[App page](https://appshunter.io/ios/app/billpoint/id6741872401)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 👍 Easy to use
- 🚀 Quick service
- 🚀 Swift and fast
- 👍 Best app ever

**What reviewers complain about**

- 🐛 App not working
- 🐛 Too slow
- 🐛 Frustrating experience
- 🐛 Can't use most functions
- 🐛 Bad customer care

**Reported bugs**

- 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

**Requested features**

- Notify customers of downtime
- Add withdrawal features
- Improve security (PIN required)


## Frequently asked questions

### Is Fidelity Token free?

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

### Is Billpoint free?

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

### Which has better reviews, Fidelity Token or Billpoint?

Billpoint is rated higher. Fidelity Token averages 2.4 out of 5 from 58 ratings, while Billpoint averages 4.6 from 906 ratings.

### Do Fidelity Token or Billpoint have ads?

Neither Fidelity Token nor Billpoint shows ads.

### Which is updated more often, Fidelity Token or Billpoint?

Fidelity Token ships an update every 3 months, and Billpoint every 6 weeks. Most recently, Fidelity Token was updated on September 17, 2026 and Billpoint on September 23, 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.*