Comparison

FCMBOnlineToken vs2 vs Billpoint

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

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.

Highlights
  • 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
Features
Read full description

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

FCMBOnlineToken vs23 screens
Billpoint3 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
FCMBOnlineToken vs2 versus Billpoint: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Billpoint
PriceFreeFree
Rating2.3 (26 ratings)4.6 (1.1K ratings) — better
Positive reviews0.0% of reviews56.1% of reviews — better
Number of ratings261.1K — better
Update frequencyEvery 14 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better13.0
Further details — not scored
Size11 MB43 MB
Age rating4+4+
DeveloperFirst City Monument BankFlexgreen Concept Ltd

Customer experience

FCMBOnlineToken vs2

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

Billpoint

All ratings906 ratings
Positive90.2%
Neutral3.6%
Negative6.2%
Written reviews41 reviews
Positive56.1%
Neutral4.9%
Negative39.0%

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
Show 2 more
  • 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

None

FCMBOnlineToken vs2

No in-app purchases

None

Billpoint

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Billpoint free?
Billpoint is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or Billpoint?
Billpoint is rated higher. FCMBOnlineToken vs2 averages 2.3 out of 5 from 26 ratings, while Billpoint averages 4.6 from 1.1K ratings.
Do FCMBOnlineToken vs2 or Billpoint have ads?
Neither FCMBOnlineToken vs2 nor Billpoint shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Billpoint?
FCMBOnlineToken vs2 ships an update every 14 months, and Billpoint every 6 weeks. Most recently, FCMBOnlineToken vs2 was updated on October 16, 2026 and Billpoint on October 21, 2026.

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