Fidelity Token vs GT e
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.
GT e
This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online and mobile banking. It offers a convenient alternative to hardware tokens, providing 24/7 access to banking services after a simple activation process.
- Generates One-Time Passwords (OTPs)
- Authenticates electronic transactions
- Alternative to hardware tokens
- Supports web, internet, and mobile banking
- Secure 6-digit passcode login
- 24/7 banking access
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GT e-Token Plus Application Description (About this app) The "GT e-Token Plus" is a mobile application for generating One Time Passwords (OTPs) used in authenticating electronic transactions. A one-time password (OTP) is a secure and automatically generated string of characters that authenticates the user for login and/or electronic transaction completion. Electronic transactions include (but may not be limited to) web, internet banking and mobile banking transactions, where you are required to enter a 6-digit token-generated code. A one-time password (OTP) generated from your "GT e-Token Plus" App can be used as an alternative to or alongside the GTBank hardware token device. Activating Your "GT e-Token Plus" app To activate your "GT e-Token Plus", select your customer type and choose your preferred activation method, which can be the use of your Bank card, Hardware Token or by calling contact center to get an authorization code. Your data ID will be verified to complete the activation. Using Your "GT e-Token Plus" app: Once your app is activated, you can create a unique 6-digit Passcode that will be used for subsequent log in to the application and enjoy 24/7 banking. You can find more information about "GT e-Token Plus" on www.gtbank.com or contact GTCONNECT contact center on 080 2900 2900 or 080 3900 3900. Note: To avoid your OTP being used by anyone, you absolutely DO NOT DISCLOSE OTP code for anyone.
Screenshots
Verdict
The clearest difference is review sentiment: GT e at 53% against Fidelity Token's 4%. GT e also leads on rating (4.8 vs 2.4) and monetization model (free vs paid). Fidelity Token's advantage is 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.
GT e holds the better App Store score, 4.8 against 2.4. That said, the two scores are not equally well evidenced: GT e has 587 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 53% of GT e's.
Fidelity Token ships an update every 3 months, GT e fortnightly. The most recent releases landed on October 8, 2026 and October 13, 2026 respectively.
| Parameter | Fidelity Token | GT e |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (58 ratings) | 4.8 (587 ratings) — better |
| Positive reviews | 3.7% of reviews | 53.1% of reviews — better |
| Number of ratings | 58 | 587 — better |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 20 MB | 55 MB |
| Age rating | 4+ | 4+ |
| Developer | Fidelity Bank Plc | Guaranty Trust Bank PLC |
Customer experience
Fidelity Token
GT e
In-app purchases
Fidelity Token
No in-app purchases
GT e
No in-app purchases
