FCMBOnlineToken vs2 vs ALAT Partner
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Authenticate online transactions
- Alternative to hardware/SMS tokens
- Password security feature
- No SMS delay
- Convenient mobile usage
- Self-service activation
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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
ALAT Partner
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About this app: Verifier by ALAT allows Partners on the ALAT Rewards scheme validate codes presented by ALAT customers redeeming their transactions at their business locations. Features - Verifying agent sign up - Agent login - Verify using 10 character redemption code - Verify by scanning QR code *Requires an internet connection
Screenshots
Verdict
The clearest difference is update cadence: FCMBOnlineToken vs2 at every 14 months against ALAT Partner's every 30 months. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
FCMBOnlineToken vs2 ships an update every 14 months, ALAT Partner every 30 months. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.
| Parameter | FCMBOnlineToken vs2 | ALAT Partner |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (26 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 26 — better | — |
| Update frequency | Every 14 months — better | Every 30 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 11 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | First City Monument Bank | Wema Bank Plc |
In-app purchases
FCMBOnlineToken vs2
No in-app purchases
ALAT Partner
No in-app purchases









