Comparison

Digital Token vs Richter Guardian

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

Richter Guardian

Features
Read full description

Richter Guardian helps high-net-worth individuals and executives stay protected from digital threats, with experienced professionals overseeing their security. The Richter Guardian app provides access to your client account so that you can: Understand your risk - An overall security score shows where you stand at any time. - The higher your score, the lower your risk. Receive timely alerts - We’ll send you alerts with clear, actionable insights. - See what’s secure, what’s at risk and remain safe in a few easy steps. Protect your assets - Our exclusive concierge service is here to help you add assets. These are email addresses, social media accounts and devices. - Each asset you add will increase your level of protection. Receive concierge-level service - Our Cyber Defence Desk is proactive and is here to support you. Account required, request a private consultation at https://www.richterguardian.com

Screenshots

Digital Token3 screens
Richter Guardian4 screens

Verdict

The call

The clearest difference is update cadence: Richter Guardian at weekly against Digital Token's every 5 months. Digital Token's advantage is iOS requirement (15.6 vs 18.6). 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.

UpkeepUpdate frequency

Digital Token ships an update every 5 months, Richter Guardian weekly. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
Digital Token versus Richter Guardian: the parameters behind the verdict, then further details
ParameterDigital TokenRichter Guardian
PriceFreeFree
Rating2.0 (13 ratings) — better—
Positive reviews25.0% of reviews—
Number of ratings13 — better—
Update frequencyEvery 5 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better18.6
Further details — not scored
Size12 MB34 MB
Age rating4+4+
DeveloperScotiabankRichter Guardian

In-app purchases

None

Digital Token

No in-app purchases

None

Richter Guardian

No in-app purchases

Questions

Is Digital Token free?
Digital Token is free to download, with no in-app purchases.
Is Richter Guardian free?
Richter Guardian is free to download, with no in-app purchases.
Do Digital Token or Richter Guardian have ads?
Neither Digital Token nor Richter Guardian shows ads.
Which is updated more often, Digital Token or Richter Guardian?
Digital Token ships an update every 5 months, and Richter Guardian weekly. Most recently, Digital Token was updated on October 30, 2026 and Richter Guardian on October 24, 2026.

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