Comparison

Fidelity Token vs JuniGo

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

JuniGo

Easily manage your finances, send and receive money securely, and pay individuals or businesses with a few taps. This app offers transparent transactions and robust security controls for everyday financial management.

Highlights
  • Send and receive money securely
  • Pay individuals and businesses
  • Track transactions
  • Manage account with security controls
  • Intuitive and easy to use
Features
Read full description

JuniGo is a simple and secure way to manage your money, make payments, and stay connected with people and businesses you trust. Designed for everyday use, JuniGo helps you move money seamlessly while keeping transparency, security, and ease of use at the core of the experience. What you can do with JuniGo: - Send and receive money quickly and securely - Pay individuals or businesses with just a few taps - Track your transactions with clear and accessible records - Manage your account with robust security and verification controls Built with trust in mind JuniGo uses modern security standards and compliance processes to help protect your account and your data. Your information is handled responsibly, and key actions are safeguarded to give you peace of mind. Made for simplicity Whether you’re paying someone, receiving funds, or managing your account, JuniGo is designed to be intuitive and easy to use—no unnecessary steps, no complexity. JuniGo is continuously evolving, with new features and improvements added regularly to better support your financial needs. Download JuniGo today and take control of your payments - simply and securely.

Screenshots

Fidelity Token4 screens
JuniGo4 screens

Verdict

The call

The clearest difference is rating: JuniGo at 5.0 against Fidelity Token's 2.4. JuniGo also leads on monetization model (free vs paid) and update cadence (fortnightly 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

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

JuniGo holds the better App Store score, 5.0 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.

UpkeepUpdate frequency

Fidelity Token ships an update every 3 months, JuniGo fortnightly. The most recent releases landed on October 8, 2026 and September 30, 2026 respectively.

Scorecard5 real differences · 5 level
Fidelity Token versus JuniGo: the parameters behind the verdict, then further details
ParameterFidelity TokenJuniGo
PriceFreeFree
Rating2.4 (58 ratings)5.0 (2 ratings) — better
Positive reviews3.7% of reviews—
Number of ratings58 — better2
Update frequencyEvery 3 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaidFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size20 MB65 MB
Age rating4+17+
DeveloperFidelity Bank PlcJuniGo Technology Ltd

Customer experience

Fidelity Token

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

JuniGo

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Fidelity Token

No in-app purchases

None

JuniGo

No in-app purchases

Questions

Is Fidelity Token free?
Fidelity Token is free to download, with no in-app purchases.
Is JuniGo free?
JuniGo is free to download, with no in-app purchases.
Which has better reviews, Fidelity Token or JuniGo?
JuniGo is rated higher. Fidelity Token averages 2.4 out of 5 from 58 ratings, while JuniGo averages 5.0 from 2 ratings.
Do Fidelity Token or JuniGo have ads?
Neither Fidelity Token nor JuniGo shows ads.
Which is updated more often, Fidelity Token or JuniGo?
Fidelity Token ships an update every 3 months, and JuniGo fortnightly. Most recently, Fidelity Token was updated on October 8, 2026 and JuniGo on September 30, 2026.

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