Comparison

FCMBOnlineToken vs2 vs Gexipay

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

Gexipay

Manage your finances with this app that offers discounted data purchases, easy utility bill payments, and secure virtual card services for online transactions. It provides a user-friendly interface and robust security measures for a comprehensive financial management experience.

Highlights
  • Purchase data at discounted rates
  • Pay utility bills easily
  • Virtual card services for online payments
  • User-friendly interface
  • Multi-layer security
  • Multiple currency support
Features
Read full description

Gexipay is an innovative and versatile mobile application that offers a comprehensive suite of financial services, catering to various needs of its users. With an intuitive interface and a wide range of functionalities, Gexipay aims to streamline financial transactions, making them more accessible, cost-effective, and secure. Key Features: 1. Purchasing Data at Cheaper Rates: Gexipay allows users to buy mobile data at discounted rates, providing a cost-effective solution for staying connected. By partnering with various telecommunication providers, the app offers competitive rates for purchasing data packages, ensuring users get more value for their money. 2. Utility Bill Payments: The app simplifies the process of paying utility bills. Users can effortlessly settle their electricity, water, gas, internet, and other utility bills through the Gexipay platform. This feature saves time and ensures that payments are made seamlessly, helping users manage their expenses efficiently. 3. Virtual Card Services for Online Payments: Gexipay provides virtual card services that enable secure and convenient online transactions. Users can generate virtual cards linked to their accounts, offering a layer of security for online purchases. These cards can be used for various online transactions, ensuring privacy and security while making payments on different platforms. Additional Features and Security Measures: User-Friendly Interface: Gexipay is designed to be easy to navigate, ensuring a smooth user experience for individuals at all levels of technological familiarity. Multi-layer Security: The app implements robust security measures to protect users' data and transactions, utilizing encryption and other security protocols to safeguard sensitive information. Multiple Currency Support: Gexipay supports transactions in various currencies, catering to a diverse user base and facilitating international transactions. Conclusion: Gexipay is a comprehensive financial app that offers a wide range of services, including purchasing data at discounted rates, simplifying utility bill payments, providing virtual card services for online transactions. Its user-friendly interface, diverse functionalities, and strong security measures make it a one-stop solution for various financial needs, empowering users to manage their finances conveniently and securely.

Screenshots

FCMBOnlineToken vs23 screens
Gexipay4 screens

Verdict

The call

The clearest difference is rating: Gexipay at 3.3 against FCMBOnlineToken vs2's 2.3. Gexipay also leads on update cadence (every 2 weeks vs every 14 months). FCMBOnlineToken vs2's advantage is ratings volume (26 vs 6) and iOS requirement (12.0 vs 15.6). On price, review sentiment, 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

Gexipay holds the better App Store score, 3.3 against 2.3. Both are backed by a comparable volume of ratings — 26 and 6 respectively. Written reviews split almost evenly too, at 0% and 0% positive.

UpkeepUpdate frequency

FCMBOnlineToken vs2 ships an update every 14 months, Gexipay every 2 weeks. The most recent releases landed on October 16, 2026 and October 4, 2026 respectively.

Scorecard4 real differences · 6 level
FCMBOnlineToken vs2 versus Gexipay: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Gexipay
PriceFreeFree
Rating2.3 (26 ratings)3.3 (6 ratings) — better
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings26 — better6
Update frequencyEvery 14 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size11 MB110 MB
Age rating4+17+
DeveloperFirst City Monument BankGexipay Global Technology Ltd

Customer experience

FCMBOnlineToken vs2

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

Gexipay

All ratings6 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

Gexipay

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Gexipay free?
Gexipay is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or Gexipay?
Gexipay is rated higher. FCMBOnlineToken vs2 averages 2.3 out of 5 from 26 ratings, while Gexipay averages 3.3 from 6 ratings.
Do FCMBOnlineToken vs2 or Gexipay have ads?
Neither FCMBOnlineToken vs2 nor Gexipay shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Gexipay?
FCMBOnlineToken vs2 ships an update every 14 months, and Gexipay every 2 weeks. Most recently, FCMBOnlineToken vs2 was updated on October 16, 2026 and Gexipay on October 4, 2026.

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