Comparison

FCMBOnlineToken vs2 vs Dukia

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

Dukia

Features
Read full description

Dukia Gold gives you a safe, simple way to buy, sell, store, and manage investment-grade gold from your iPhone. Why Dukia Gold - Trusted Bullion Merchant in Nigeria: Operated by Dukia Gold & Precious Metals Refining Co.Ltd, a full-service bullion dealer and refinery What you can do - Buy gold in seconds: choose pool-allocated gold, bar, or coin and pay securely - Sell and withdraw fast: liquidate positions with transparent pricing - Store with confidence: opt for insured vault storage supported by Brink's - Track your portfolio: see holding, performance and price trends at a glance

Screenshots

FCMBOnlineToken vs23 screens
Dukia4 screens

Verdict

The call

The clearest difference is update cadence: Dukia at monthly against FCMBOnlineToken vs2's every 14 months. FCMBOnlineToken vs2's advantage is iOS requirement (12.0 vs 16.4). 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.

UpkeepUpdate frequency

FCMBOnlineToken vs2 ships an update every 14 months, Dukia monthly. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard2 real differences · 8 level
FCMBOnlineToken vs2 versus Dukia: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2Dukia
PriceFreeFree
Rating2.4 (27 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings27 — better—
Update frequencyEvery 14 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS12.0 — better16.4
Further details — not scored
Size11 MB58 MB
Age rating4+4+
DeveloperFirst City Monument BankDukia Gold

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

Dukia

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is Dukia free?
Dukia is free to download, with no in-app purchases.
Do FCMBOnlineToken vs2 or Dukia have ads?
Neither FCMBOnlineToken vs2 nor Dukia shows ads.
Which is updated more often, FCMBOnlineToken vs2 or Dukia?
FCMBOnlineToken vs2 ships an update every 14 months, and Dukia monthly. Most recently, FCMBOnlineToken vs2 was updated on November 2, 2026 and Dukia on November 5, 2026.

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