Comparison

FCMBOnlineToken vs2 vs Mutual Trust Personal

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

Mutual Trust Personal

Manage your bank accounts on the go with this mobile application. Check balances, view statements, recharge airtime, pay bills, and transfer funds between banks. You can also request new cards and provide feedback directly to the bank.

Highlights
  • Account balance check
  • Account statement access
  • Airtime recharge
  • Bill payments
  • Inter-bank transfers
  • Card requests
Features
Read full description

Mutual Trust Mobile brings the bank into your hands. The app has the following features: - Account balance - Account statement - Airtime Recharge - Bills Payment e.g. DSTv, GoTv, PHN - Inter-bank Transfer - Card Request The app also provides the functionality to get your feedback to the bank.

Screenshots

FCMBOnlineToken vs23 screens
Mutual Trust Personal4 screens

Verdict

The call

The clearest difference is rating: FCMBOnlineToken vs2 at 2.4 against Mutual Trust Personal's 1.0. FCMBOnlineToken vs2 also leads on ratings volume (27 vs 1) and iOS requirement (12.0 vs 15.1). Mutual Trust Personal's advantage is update cadence (every 4 months vs every 14 months). On price, ads, in-app purchases and monetization model 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, 2.4 against 1.0. That said, the two scores are not equally well evidenced: FCMBOnlineToken vs2 has 27 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, Mutual Trust Personal every 4 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
FCMBOnlineToken vs2 versus Mutual Trust Personal: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Mutual Trust Personal
PriceFreeFree
Rating2.4 (27 ratings) — better1.0 (1 ratings)
Positive reviews0.0% of reviews—
Number of ratings27 — better1
Update frequencyEvery 14 monthsEvery 4 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.1
Further details — not scored
Size11 MB42 MB
Age rating4+4+
DeveloperFirst City Monument BankMutual Trust Microfinance Bank Limited

Customer experience

FCMBOnlineToken vs2

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

Mutual Trust Personal

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

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

Mutual Trust Personal

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Mutual Trust Personal free?
Mutual Trust Personal is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or Mutual Trust Personal?
FCMBOnlineToken vs2 is rated higher. FCMBOnlineToken vs2 averages 2.4 out of 5 from 27 ratings, while Mutual Trust Personal averages 1.0 from 1 ratings.
Do FCMBOnlineToken vs2 or Mutual Trust Personal have ads?
Neither FCMBOnlineToken vs2 nor Mutual Trust Personal shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Mutual Trust Personal?
FCMBOnlineToken vs2 ships an update every 14 months, and Mutual Trust Personal every 4 months. Most recently, FCMBOnlineToken vs2 was updated on November 2, 2026 and Mutual Trust Personal on November 3, 2026.

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