FCMBOnlineToken vs2 vs Midescrow
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
Midescrow
Manage your bills and create virtual USD cards for online shopping. Easily pay for electricity, airtime, and subscriptions. Enjoy secure and convenient payment solutions.
- All-in-one bill payment
- Virtual USD card creation
- Electricity bill payment
- Airtime top-up
- Subscription payments
- Secure online shopping
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Simplify your life with our all-in-one bill payment and virtual card solution. Effortlessly pay for electricity, airtime top-up, and various subscriptions. Need to shop online internationally? Create your own USD virtual card quickly and securely within the app. Enjoy hassle-free services and take control of your payments today!
Screenshots
Verdict
The clearest difference is review sentiment: Midescrow at 100% against FCMBOnlineToken vs2's 0%. Midescrow also leads on rating (4.1 vs 2.3) and update cadence (every 3 weeks vs every 14 months). FCMBOnlineToken vs2's advantage is monetization model (free vs ad-supported) and ratings volume (26 vs 7). On price, ads, in-app purchases and device support 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.
Midescrow holds the better App Store score, 4.1 against 2.3. Both are backed by a comparable volume of ratings — 26 and 7 respectively. Written reviews point the same way: 0% of FCMBOnlineToken vs2's written reviews are positive against 100% of Midescrow's.
FCMBOnlineToken vs2 ships an update every 14 months, Midescrow every 3 weeks. The most recent releases landed on September 10, 2026 and August 19, 2026 respectively.
| Parameter | FCMBOnlineToken vs2 | Midescrow |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (26 ratings) | 4.1 (7 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 26 — better | 7 |
| Update frequency | Every 14 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 14 |
| Further details — not scored | ||
| Size | 11 MB | 139 MB |
| Age rating | 4+ | 4+ |
| Developer | First City Monument Bank | Midescrow Ventures |
Customer experience
FCMBOnlineToken vs2
Midescrow
In-app purchases
FCMBOnlineToken vs2
No in-app purchases
Midescrow
No in-app purchases









