Comparison

FCMBOnlineToken vs2 vs Midescrow

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

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.

Highlights
  • All-in-one bill payment
  • Virtual USD card creation
  • Electricity bill payment
  • Airtime top-up
  • Subscription payments
  • Secure online shopping
Features
Read full description

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

FCMBOnlineToken vs23 screens
Midescrow4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
FCMBOnlineToken vs2 versus Midescrow: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Midescrow
PriceFreeFree
Rating2.3 (26 ratings)4.1 (7 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings26 — better7
Update frequencyEvery 14 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better14
Further details — not scored
Size11 MB139 MB
Age rating4+4+
DeveloperFirst City Monument BankMidescrow Ventures

Customer experience

FCMBOnlineToken vs2

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

Midescrow

All ratings7 ratings
Positive71.4%
Neutral14.3%
Negative14.3%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

Midescrow

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Midescrow free?
Midescrow is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or Midescrow?
Midescrow is rated higher. FCMBOnlineToken vs2 averages 2.3 out of 5 from 26 ratings, while Midescrow averages 4.1 from 7 ratings.
Do FCMBOnlineToken vs2 or Midescrow have ads?
Neither FCMBOnlineToken vs2 nor Midescrow shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Midescrow?
FCMBOnlineToken vs2 ships an update every 14 months, and Midescrow every 3 weeks. Most recently, FCMBOnlineToken vs2 was updated on September 10, 2026 and Midescrow on August 19, 2026.

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