FCMBOnlineToken vs2 vs Billpoint
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
Billpoint
Manage all your bills and transactions in one convenient app. Pay for utilities, airtime, data, and even book flights. Enjoy secure, fast payments with rewards and 24/7 customer support.
- Seamless bill payments
- Instant gift card purchases
- eSIM activation & top-ups
- Virtual accounts for funding
- Fast & secure transactions
- Exclusive rewards & bonuses
- 24/7 dedicated support
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SABIBILL DESCRIPTION Power your Bills with SabiBill—your all-in-one repository solution for effortless bill management. With a seamless interface, advanced features, and robust security, handling your transactions has never been easier. Pay bills, top up airtime, purchase data, book flights, activate, and more—all in one place, with speed and reliability you can trust. Why Choose SabiBill? * 24/7 dedicated customer support to assist you anytime, anywhere. * Exciting welcome bonuses and rewards through our referral and earning program. * Affordable services for bill payments, airtime, data, eSIMs, and more. Powerful Feature * Seamless Bill Payments – Effortlessly pay for airtime, data, electricity, cable TV (DStv, GOtv, Showmax, StarTimes), and more in seconds. * Fast & Secure Transactions – Experience top-notch security and real-time processing, ensuring your payments are always safe and instant. * Exclusive Rewards & Bonuses – Earn cashback, referral bonuses, and special incentives while using SabiBill. * 24/7 Dedicated Support – Our customer support team is available round the clock to assist you anytime, anywhere.
Screenshots
Verdict
The clearest difference is review sentiment: Billpoint at 56% against FCMBOnlineToken vs2's 0%. Billpoint also leads on rating (4.6 vs 2.3) and update cadence (every 6 weeks 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Billpoint holds the better App Store score, 4.6 against 2.3. That said, the two scores are not equally well evidenced: Billpoint has 1.1K ratings behind it against 26, so its average is the more settled of the two. Written reviews point the same way: 0% of FCMBOnlineToken vs2's written reviews are positive against 56% of Billpoint's.
FCMBOnlineToken vs2 ships an update every 14 months, Billpoint every 6 weeks. The most recent releases landed on October 16, 2026 and October 21, 2026 respectively.
| Parameter | FCMBOnlineToken vs2 | Billpoint |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (26 ratings) | 4.6 (1.1K ratings) — better |
| Positive reviews | 0.0% of reviews | 56.1% of reviews — better |
| Number of ratings | 26 | 1.1K — better |
| Update frequency | Every 14 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 11 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | First City Monument Bank | Flexgreen Concept Ltd |
Customer experience
FCMBOnlineToken vs2
Billpoint
Bugs and requests
FCMBOnlineToken vs2
Not enough reviews yet to summarise bugs or requests.
Billpoint
Reported bugs
7 issues- iTunes not received via email
- Money not reflecting after hours
- Account blocked after sending money
- Money disappeared without trace
- App crashes more often than it works
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- Cannot deposit or buy anything
- Cannot use most functions
Requested features
3 requests- Notify customers of downtime
- Add withdrawal features
- Improve security (PIN required)
In-app purchases
FCMBOnlineToken vs2
No in-app purchases
Billpoint
No in-app purchases









