Comparison

FCMBOnlineToken vs2 vs Titans mToken

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

Titans mToken

Features
Read full description

Titan Trust Bank mToken is a security application that provides swift and easy One-Time-Password (OTP) for use as a second factor authentication for online transaction signing on Titan Trust Bank’s transactional platforms.

Screenshots

FCMBOnlineToken vs23 screens
Titans mToken4 screens

Verdict

The call

The clearest difference is iOS requirement: Titans mToken at 9.0 against FCMBOnlineToken vs2's 12.0. 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.

UpkeepUpdate frequency

FCMBOnlineToken vs2 ships an update every 14 months, Titans mToken every 21 months. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

Scorecard1 real difference · 9 level
FCMBOnlineToken vs2 versus Titans mToken: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Titans mToken
PriceFreeFree
Rating2.4 (27 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings27 — better—
Update frequencyEvery 14 months — betterEvery 21 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.09.0 — better
Further details — not scored
Size11 MB20 MB
Age rating4+4+
DeveloperFirst City Monument BankTITAN TRUST BANK LIMITED

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

Titans mToken

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Titans mToken free?
Titans mToken is free to download, with no in-app purchases.
Do FCMBOnlineToken vs2 or Titans mToken have ads?
Neither FCMBOnlineToken vs2 nor Titans mToken shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Titans mToken?
FCMBOnlineToken vs2 ships an update every 14 months, and Titans mToken every 21 months. Most recently, FCMBOnlineToken vs2 was updated on November 2, 2026 and Titans mToken on November 7, 2026.

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