Comparison

FCMBOnlineToken vs2 vs GT e

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

GT e

This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online and mobile banking. It offers a convenient alternative to hardware tokens, providing 24/7 access to banking services after a simple activation process.

Highlights
  • Generates One-Time Passwords (OTPs)
  • Authenticates electronic transactions
  • Alternative to hardware tokens
  • Supports web, internet, and mobile banking
  • Secure 6-digit passcode login
  • 24/7 banking access
Features
Read full description

GT e-Token Plus Application Description (About this app) The "GT e-Token Plus" is a mobile application for generating One Time Passwords (OTPs) used in authenticating electronic transactions. A one-time password (OTP) is a secure and automatically generated string of characters that authenticates the user for login and/or electronic transaction completion. Electronic transactions include (but may not be limited to) web, internet banking and mobile banking transactions, where you are required to enter a 6-digit token-generated code. A one-time password (OTP) generated from your "GT e-Token Plus" App can be used as an alternative to or alongside the GTBank hardware token device. Activating Your "GT e-Token Plus" app To activate your "GT e-Token Plus", select your customer type and choose your preferred activation method, which can be the use of your Bank card, Hardware Token or by calling contact center to get an authorization code. Your data ID will be verified to complete the activation. Using Your "GT e-Token Plus" app: Once your app is activated, you can create a unique 6-digit Passcode that will be used for subsequent log in to the application and enjoy 24/7 banking. You can find more information about "GT e-Token Plus" on www.gtbank.com or contact GTCONNECT contact center on 080 2900 2900 or 080 3900 3900. Note: To avoid your OTP being used by anyone, you absolutely DO NOT DISCLOSE OTP code for anyone.

Screenshots

FCMBOnlineToken vs23 screens
GT e4 screens

Verdict

The call

The clearest difference is review sentiment: GT e at 50% against FCMBOnlineToken vs2's 0%. GT e also leads on rating (4.8 vs 2.3) and update cadence (fortnightly vs every 14 months). FCMBOnlineToken vs2's advantage is iOS requirement (12.0 vs 15.1). 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

GT e holds the better App Store score, 4.8 against 2.3. That said, the two scores are not equally well evidenced: GT e has 587 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 50% of GT e's.

UpkeepUpdate frequency

FCMBOnlineToken vs2 ships an update every 14 months, GT e fortnightly. The most recent releases landed on September 10, 2026 and September 22, 2026 respectively.

Scorecard5 real differences · 5 level
FCMBOnlineToken vs2 versus GT e: the parameters behind the verdict, then further details
ParameterFCMBOnlineToken vs2GT e
PriceFreeFree
Rating2.3 (26 ratings)4.8 (587 ratings) — better
Positive reviews0.0% of reviews50.0% of reviews — better
Number of ratings26587 — better
Update frequencyEvery 14 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.1
Further details — not scored
Size11 MB55 MB
Age rating4+4+
DeveloperFirst City Monument BankGuaranty Trust Bank PLC

Customer experience

FCMBOnlineToken vs2

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

GT e

All ratings587 ratings
Positive96.9%
Neutral0.9%
Negative2.2%
Written reviews30 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

FCMBOnlineToken vs2

No in-app purchases

None

GT e

No in-app purchases

Questions

Is FCMBOnlineToken vs2 free?
FCMBOnlineToken vs2 is free to download, with no in-app purchases.
Is GT e free?
GT e is free to download, with no in-app purchases.
Which has better reviews, FCMBOnlineToken vs2 or GT e?
GT e is rated higher. FCMBOnlineToken vs2 averages 2.3 out of 5 from 26 ratings, while GT e averages 4.8 from 587 ratings.
Do FCMBOnlineToken vs2 or GT e have ads?
Neither FCMBOnlineToken vs2 nor GT e shows ads.
Which is updated more often, FCMBOnlineToken vs2 or GT e?
FCMBOnlineToken vs2 ships an update every 14 months, and GT e fortnightly. Most recently, FCMBOnlineToken vs2 was updated on September 10, 2026 and GT e on September 22, 2026.

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