Comparison

FCMBOnlineToken vs2 vs FSDH MB

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

Head to head
About

FCMBOnlineToken vs2

This app provides a secure and convenient way to authenticate online banking transactions, replacing the need for physical hardware or SMS tokens. It offers enhanced security with a password feature and eliminates SMS delays for a smoother user experience.

Highlights
  • Authenticate online transactions
  • Alternative to hardware/SMS tokens
  • Password security feature
  • No SMS delay
  • Convenient mobile usage
  • Self-service activation
Features
Read full description

With FCMBOnline Token, you can authenticate your online transactions with your mobile devices. The App will serve as an alternative to the hardware and SMS token used to authenticate transactions on FCMBOnline (Personal & Business). Activating this app will require you to log on to FCMBOnline, FCMBMobile Plus, call the Contact Centre or visit the nearest FCMB branch. To get started, new users are to activate with a Serial Number, an Activation Code and Customer ID while existing users are to reactivate with a Serial Number, an Activation Code, a Reactivation Code and Customer ID. For personal users, please use the first seven digits of your account number as your Customer ID, and for business users please visit the nearest FCMB branch. Some features and benefits of FCMBOnline Token includes; · Functions same way as the hardware token. · Added security with password feature · Data is only required for activation or reactivation, no data is needed for usage. · Self-service activation (business users to visit any branch or call the contact centre) · To activate the app you can either scan the QR code or input activation details that was advised. · Convenience of not carrying a physical token. · No SMS authentication delay. · Simplicity

About

FSDH MB

Manage your finances on the go with this secure banking application. View account status, transaction history, and generate statements. Transfer funds, manage beneficiaries, and utilize two-factor authentication for secure transactions.

Highlights
  • View account status and transaction history
  • Generate digital account statements
  • Transfer funds to FSDH or other bank accounts
  • Manage beneficiary lists
  • Two-factor authentication for transaction security
  • Choose login methods and change password
Features
Read full description

Welcome to the future, where you’ll never have to make another bank trip again. Our FSDH MB App is three things; simple, seamless and secure. Let’s get your funds up, running, and working for you, in no time at all. Our Services and Benefits: Account Status: Have a precise picture of your financial position, on the go! With this App you can; view your current status and study your transaction history, and generate a digital statement of accounts, whenever you want. Funds Transfer: Need quick cash? With our FSDH MB App, you can transfer your funds to an FSDH account or to other bank account. You can also view your transfer history. Manage Beneficiary: You can maintain a list of beneficiaries. Support Happy with our services? Rate us! Have a question, comment or complaint? Reach out to us on the platform, and we are more than happy to serve. Account Statements: With this app, you can generate your account statements for a given period. Settings: You can choose your login methods. You can also change your password. Transaction Security: Security is our watchword and because of this, we offer a special Two-factor authentication feature that ensures that all transactions involving credit and debit cards are protected against any form of cyber-attack.

Screenshots

FCMBOnlineToken vs23 screens
FSDH MB4 screens

Verdict

The call

FCMBOnlineToken vs2 and FSDH MB both sit at 2.4 stars, but that hides the real split: 50% of FSDH MB's written reviews are positive against 0% of FCMBOnlineToken vs2's. FSDH MB also leads on update cadence (every 5 days vs every 14 months). FCMBOnlineToken vs2's advantage is ratings volume (27 vs 4) and iOS requirement (12.0 vs 15.5). On price, rating, 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

On the App Store both sit at effectively the same score — 2.4 for FCMBOnlineToken vs2 against 2.5 for FSDH MB. That said, the two scores are not equally well evidenced: FCMBOnlineToken vs2 has 27 ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 0% of FCMBOnlineToken vs2's written reviews are positive against 50% of FSDH MB's.

UpkeepUpdate frequency

FCMBOnlineToken vs2 ships an update every 14 months, FSDH MB every 5 days. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
FCMBOnlineToken vs2 versus FSDH MB: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2FSDH MB
PriceFreeFree
Rating2.4 (27 ratings)2.5 (4 ratings) — better
Positive reviews0.0% of reviews50.0% of reviews — better
Number of ratings27 — better4
Update frequencyEvery 14 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.5
Further details — not scored
Size11 MB109 MB
Age rating4+4+
DeveloperFirst City Monument BankFSDH MERCHANT BANK LIMITED

Customer experience

FCMBOnlineToken vs2

All ratings26 ratings
Positive30.8%
Neutral7.7%
Negative61.5%
Written reviews7 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

FSDH MB

All ratings4 ratings
Positive25.0%
Neutral25.0%
Negative50.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

FSDH MB

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is FSDH MB free?
FSDH MB is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or FSDH MB?
FSDH MB is rated higher. FCMBOnlineToken vs2 averages 2.4 out of 5 from 27 ratings, while FSDH MB averages 2.5 from 4 ratings.
Do FCMBOnlineToken vs2 or FSDH MB have ads?
Neither FCMBOnlineToken vs2 nor FSDH MB shows ads.
Which is updated more often, FCMBOnlineToken vs2 or FSDH MB?
FCMBOnlineToken vs2 ships an update every 14 months, and FSDH MB every 5 days. Most recently, FCMBOnlineToken vs2 was updated on November 2, 2026 and FSDH MB on November 3, 2026.

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