Comparison

FCMBOnlineToken vs2 vs Ecobank Authenticator

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

Ecobank Authenticator

Generate security codes to enhance transaction security for existing customers using Ecobank Online and Ecobank omni lite. This app provides an extra layer of protection for your financial activities.

Highlights
  • Generate security codes
  • Secure transactions
  • Ecobank Online support
  • Ecobank omni lite support
  • Enhanced transaction security
Features
Read full description

This app will generate a security code which an existing customer performing a transaction on Ecobank Online and Ecobank omni lite can use to further secure their transaction.

Screenshots

FCMBOnlineToken vs23 screens
Ecobank Authenticator4 screens

Verdict

The call

The clearest difference is rating: FCMBOnlineToken vs2 at 2.3 against Ecobank Authenticator's 1.0. FCMBOnlineToken vs2 also leads on ratings volume (26 vs 1) and iOS requirement (12.0 vs 15.6). 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

FCMBOnlineToken vs2 holds the better App Store score, 2.3 against 1.0. That said, the two scores are not equally well evidenced: FCMBOnlineToken vs2 has 26 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

FCMBOnlineToken vs2 ships an update every 14 months, Ecobank Authenticator every 24 months. Both last shipped on October 16, 2026.

Scorecard3 real differences · 7 level
FCMBOnlineToken vs2 versus Ecobank Authenticator: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Ecobank Authenticator
PriceFreeFree
Rating2.3 (26 ratings) — better1.0 (1 ratings)
Positive reviews0.0% of reviews—
Number of ratings26 — better1
Update frequencyEvery 14 months — betterEvery 24 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size11 MB75 MB
Age rating4+4+
DeveloperFirst City Monument BankECOBANK

Customer experience

FCMBOnlineToken vs2

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

Ecobank Authenticator

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

Ecobank Authenticator

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Ecobank Authenticator free?
Ecobank Authenticator is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or Ecobank Authenticator?
FCMBOnlineToken vs2 is rated higher. FCMBOnlineToken vs2 averages 2.3 out of 5 from 26 ratings, while Ecobank Authenticator averages 1.0 from 1 ratings.
Do FCMBOnlineToken vs2 or Ecobank Authenticator have ads?
Neither FCMBOnlineToken vs2 nor Ecobank Authenticator shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Ecobank Authenticator?
FCMBOnlineToken vs2 ships an update every 14 months, and Ecobank Authenticator every 24 months. Most recently, FCMBOnlineToken vs2 was updated on October 16, 2026 and Ecobank Authenticator on October 16, 2026.

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