Comparison

Fidelity Token vs ZenithBankToken

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Second factor authentication
  • Verify online transactions
  • Eliminates hardware tokens
  • One Time Passcode (OTP)
  • Easy PIN input for OTP
  • Copy and paste OTP
Features
Read full description

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.

About

ZenithBankToken

This app generates one-time passwords (OTPs) for secure electronic transaction authentication. It serves as a digital alternative to hardware tokens, offering various activation methods for both individual and corporate users.

Highlights
  • One-time password (OTP) generation
  • Electronic transaction authentication
  • Alternative to hardware tokens
  • Multiple activation methods
  • Individual and corporate registration
Features
Read full description

ZenithBankToken App is a mobile application that generates One Time Passwords (OTPs) used in the authentication of electronic transactions. A one-time password (OTP) is a series of characters that automatically authenticates the user for a single transaction or session. It is also an alternative to the Hardware Token. Activate the App using the activation details stated below Register as an Individual Select Activation Method Hardware Token: Account Number + 4-digit Server PIN and Hardware Token Code Image Verification: Account Number + Date of Birth Quick Access: Visit Bank branch and generate activation code required for enabling access on the E-token App OTP: Account Number + Date of Birth A one-time password (OTP) will be sent to your registered phone number Register as a Corporate Select Activation Method Quick Access: Visit Bank branch and generate activation code required for enabling access on the Zenithbanktoken App

Screenshots

Fidelity Token4 screens
ZenithBankToken4 screens

Verdict

The call

The clearest difference is rating: ZenithBankToken at 4.1 against Fidelity Token's 2.4. ZenithBankToken also leads on monetization model (free vs paid) and update cadence (every 2 days vs every 3 months). Fidelity Token's advantage is ratings volume (58 vs 9) and iOS requirement (13.0 vs 16.6). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ZenithBankToken holds the better App Store score, 4.1 against 2.4. That said, the two scores are not equally well evidenced: Fidelity Token has 58 ratings behind it against 9, so its average is the more settled of the two.

UpkeepUpdate frequency

Fidelity Token ships an update every 3 months, ZenithBankToken every 2 days. The most recent releases landed on September 17, 2026 and September 5, 2026 respectively.

Scorecard5 real differences · 5 level
Fidelity Token versus ZenithBankToken: the parameters behind the verdict, then further details
ParameterFidelity TokenZenithBankToken
PriceFreeFree
Rating2.4 (58 ratings)4.1 (9 ratings) — better
Positive reviews3.7% of reviews—
Number of ratings58 — better9
Update frequencyEvery 3 monthsEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaidFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better16.6
Further details — not scored
Size20 MB24 MB
Age rating4+4+
DeveloperFidelity Bank PlcZenith Bank PLC

Customer experience

Fidelity Token

All ratings52 ratings
Positive32.7%
Neutral1.9%
Negative65.4%
Written reviews27 reviews
Positive3.7%
Neutral0.0%
Negative96.3%

ZenithBankToken

All ratings9 ratings
Positive77.8%
Neutral11.1%
Negative11.1%

In-app purchases

None

Fidelity Token

No in-app purchases

None

ZenithBankToken

No in-app purchases

Questions

Is Fidelity Token free?
Fidelity Token is free to download, with no in-app purchases.
Is ZenithBankToken free?
ZenithBankToken is free to download, with no in-app purchases.
Which has better reviews, Fidelity Token or ZenithBankToken?
ZenithBankToken is rated higher. Fidelity Token averages 2.4 out of 5 from 58 ratings, while ZenithBankToken averages 4.1 from 9 ratings.
Do Fidelity Token or ZenithBankToken have ads?
Neither Fidelity Token nor ZenithBankToken shows ads.
Which is updated more often, Fidelity Token or ZenithBankToken?
Fidelity Token ships an update every 3 months, and ZenithBankToken every 2 days. Most recently, Fidelity Token was updated on September 17, 2026 and ZenithBankToken on September 5, 2026.

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