UnionMobile vs Flex Token
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UnionMobile
Manage your finances on the go with a comprehensive banking app. Easily pay bills, transfer funds, buy airtime, and view transaction history. Enjoy convenient features like cardless ATM withdrawals and personalized profiles.
- Pay bills
- View account balances and history
- Transfer funds
- Buy airtime and data
- Cardless ATM withdrawal
- ATM and branch locator
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We’ve made banking simple so you can focus on what matters most to you. With new features and updates, you can: · Pay bills: DSTV, GOTV, LCC, PHCN etc. · View your account balances and transaction history · Transfer to Union Bank and other bank accounts · Buy airtime and data bundles · Get quick tips, updates on new features, and promotional offers. · Cardless Withdrawal: You or a beneficiary can make withdrawals from our ATMs without debit cards · Verify transactions via a self-selected PIN, an SMS token or a hardware token (obtained from any of our branches). Other features include: · ATM and Branch locator · News on the go · Instant account statement · Weather forecast · Manage and save beneficiaries · Personalized profiles: Upload your picture on your profile How to register: Existing UnionOnline users: · Download the app · Click on the “Log in” icon · Type in your UnionOnline username and password · Follow prompts and generate a transaction PIN Prospective users/ Existing UnionMobile users without UnionOnline. · Download the app · Click the “Get Started” icon · Follow prompts to complete registration
Flex Token
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Flex Token app is a mobile application that generates time-based one-time passcodes (TOTPs) for secure, two-factor authentication (2FA). It enhances account security by requiring users to enter a code from the app in addition to their password, making it much harder for unauthorized users to gain access to accounts.
Screenshots
Verdict
The clearest difference is ads: UnionMobile at none against Flex Token's shown. Flex Token's advantage is update cadence (weekly vs every 2 months). On price, in-app purchases, device support and iOS requirement 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.
UnionMobile ships an update every 2 months, Flex Token weekly. The most recent releases landed on September 23, 2026 and September 14, 2026 respectively.
| Parameter | UnionMobile | Flex Token |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (663 ratings) — better | — |
| Positive reviews | 9.7% of reviews | — |
| Number of ratings | 663 — better | — |
| Update frequency | Every 2 months | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 72 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | Union Bank of Nigeria Plc | AB Microfinance Bank Nigeria Limited |
Bugs and requests
UnionMobile
Reported bugs
3 issues- Login failures and app freezes
- Delayed OTP delivery for transactions
- Inconsistent app behavior across devices
Requested features
3 requests- Improve biometric login functionality
- Allow hiding of account balance during transactions
- Streamline airtime purchase process
Flex Token
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UnionMobile
No in-app purchases
Flex Token
No in-app purchases
Questions
Is UnionMobile free?
Is Flex Token free?
Do UnionMobile or Flex Token have ads?
Which is updated more often, UnionMobile or Flex Token?
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