Comparison

UnionMobile vs Flex Token

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

Head to head
About

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.

Highlights
  • Pay bills
  • View account balances and history
  • Transfer funds
  • Buy airtime and data
  • Cardless ATM withdrawal
  • ATM and branch locator
Read full description

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

About

Flex Token

Features
Read full description

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

UnionMobile3 screens
Flex Token4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

UnionMobile ships an update every 2 months, Flex Token weekly. The most recent releases landed on September 23, 2026 and September 14, 2026 respectively.

Scorecard2 real differences · 8 level
UnionMobile versus Flex Token: the parameters behind the verdict, then further details
ParameterUnionMobileFlex Token
PriceFreeFree
Rating3.1 (663 ratings) — better—
Positive reviews9.7% of reviews—
Number of ratings663 — better—
Update frequencyEvery 2 monthsWeekly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.012.0 — better
Further details — not scored
Size72 MB34 MB
Age rating4+4+
DeveloperUnion Bank of Nigeria PlcAB 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

None

UnionMobile

No in-app purchases

None

Flex Token

No in-app purchases

Questions

Is UnionMobile free?
UnionMobile is free to download, with no in-app purchases.
Is Flex Token free?
Flex Token is free to download, with no in-app purchases.
Do UnionMobile or Flex Token have ads?
Flex Token shows ads; UnionMobile does not.
Which is updated more often, UnionMobile or Flex Token?
UnionMobile ships an update every 2 months, and Flex Token weekly. Most recently, UnionMobile was updated on September 23, 2026 and Flex Token on September 14, 2026.

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