Comparison

Digital Token vs CUonline

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

Head to head
About

Digital Token

This app simplifies signing into specific banking applications by generating a token value for login. It enables two-factor authentication using a soft token, which can be unlocked with device-based biometrics like TouchID or FaceID.

Highlights
  • Generate token values for login
  • Two-factor authentication
  • Scan QR codes for registration
  • Device-based login (TouchID/FaceID)
  • Soft token functionality
Read full description

Important Notice – Read Before Installing: The Scotiabank Digital Token app makes signing into specific Scotiabank apps easier than before by simply using this app to get a token value for login. By pressing the button above and installing the Digital Token app published by Scotiabank, (known as ‘the app’) you: (i) acknowledge, understand, and agree that the app may contain the functions and features described below, and (ii) consent to the installation of this app, including the below functions and features, and to any future updates or upgrades to the app which may be automatically installed (depending on your device settings). The functions and purposes of the Digital Token app are to: - Register a soft token for two-factor authentication, using the device camera to scan a QR Code - Use a soft token for two- factor authentication, which is unlocked using device-based login e.g., TouchID/FaceID We may use and disclose the information that you provide to us in accordance with your account agreement(s) and the Scotiabank Privacy Agreement (scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html). You can withdraw your consent to these features and future installations by deleting the app or by contacting hd.ccebs@scotiabank.com for assistance. After you delete the app, you will no longer be able to use it unless you reinstall it and provide your consent again. If you have any questions about the app, please email us at hd.ccebs@scotiabank.com so we can help. The Bank of Nova Scotia 44 King St. West Toronto, ON M5H 1H1

About

CUonline

Access your bank account securely from your mobile device. View balances, transaction history, and transfer funds between accounts. Find branch locations and contact information easily.

Highlights
  • View account balances
  • View account history
  • Transfer funds
  • Schedule future transfers
  • Find branch locations
  • Access contact information
Features
Read full description

The iBank mobile app provides you easy and secure access to your bank account from anywhere. With this app you can view your account information and transfer funds. Features: View account balances View account history Transfer money between your accounts and your related accounts, or set up future dated transfers Access your financial institution’s contact information, and locate the nearest branch Languages: English

Screenshots

Digital Token3 screens
CUonline4 screens

Verdict

The call

The clearest difference is rating: CUonline at 5.0 against Digital Token's 2.0. Digital Token's advantage is ratings volume (13 vs 2) and iOS requirement (15.6 vs 26.0). On price, update cadence, ads and in-app purchases 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

CUonline holds the better App Store score, 5.0 against 2.0. That said, the two scores are not equally well evidenced: Digital Token has 13 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Digital Token ships an update every 4 months, CUonline every 7 months. The most recent releases landed on September 26, 2026 and September 10, 2026 respectively.

Scorecard3 real differences · 7 level
Digital Token versus CUonline: the parameters behind the verdict, then further details
ParameterDigital TokenCUonline
PriceFreeFree
Rating2.0 (13 ratings)5.0 (2 ratings) — better
Positive reviews25.0% of reviews—
Number of ratings13 — better2
Update frequencyEvery 4 months — betterEvery 7 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.6 — better26.0
Further details — not scored
Size14 MB11 MB
Age rating4+4+
DeveloperThe Bank of Nova ScotiaCICSA Co-Operative Credit Union Ltd

Customer experience

Digital Token

All ratings13 ratings
Positive23.1%
Neutral7.7%
Negative69.2%
Written reviews28 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

CUonline

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

In-app purchases

None

Digital Token

No in-app purchases

None

CUonline

No in-app purchases

Questions

Is Digital Token free?
Digital Token is free to download, with no in-app purchases.
Is CUonline free?
CUonline is free to download, with no in-app purchases.
Which has better reviews, Digital Token or CUonline?
CUonline is rated higher. Digital Token averages 2.0 out of 5 from 13 ratings, while CUonline averages 5.0 from 2 ratings.
Do Digital Token or CUonline have ads?
Neither Digital Token nor CUonline shows ads.
Which is updated more often, Digital Token or CUonline?
Digital Token ships an update every 4 months, and CUonline every 7 months. Most recently, Digital Token was updated on September 26, 2026 and CUonline on September 10, 2026.

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