PayForMe vs GT eToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayForMe
Easily track money lent and borrowed between friends. Manage multiple projects, view balances, and clear debts efficiently. Color-coding helps differentiate users for better organization.
- Track borrowed money
- Manage multiple projects
- View member balances
- Create and update bills
- Clear individual debts
- Color-coded user differentiation
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PayForMe is an app to track borrowing money between friends. It either uses Cospend on your Nextcloud instance or iHateMoney as a backend, and has the following features: - Show listed bills - Create new bills - Balance of project members - Handling several projects - Colorcodes to differentiate users - Update bills - Delete bills - Clearing debt of single members - Setting a default payer on a project basis
GT eToken
This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online banking. It offers a convenient mobile alternative to hardware tokens, requiring a simple activation process and a personal passcode for access.
- Generates one-time passwords (OTPs)
- Authenticates electronic transactions
- Mobile alternative to hardware tokens
- Secure 6-digit passcode for login
- 24/7 banking access
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GT eToken Application Description (About this app) The GT eToken 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 eToken App can be used as an alternative to or alongside the GTBank hardware token device. Activating Your GT eToken app To activate your GT eToken app, 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 eToken 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 eToken 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
Verdict
The clearest difference is review sentiment: PayForMe at 82% against GT eToken's 4%. PayForMe also leads on rating (5.0 vs 1.8). GT eToken's advantage is ratings volume (93 vs 2) and update cadence (every 2 months vs every 4 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayForMe holds the better App Store score, 5.0 against 1.8. That said, the two scores are not equally well evidenced: GT eToken has 93 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 82% of PayForMe's written reviews are positive against 4% of GT eToken's.
PayForMe ships an update every 4 months, GT eToken every 2 months. The most recent releases landed on July 24, 2026 and August 17, 2026 respectively.
| Parameter | PayForMe | GT eToken |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 1.8 (93 ratings) |
| Positive reviews | 81.8% of reviews — better | 3.6% of reviews |
| Number of ratings | 2 | 93 — better |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 10.0 — better |
| Further details — not scored | ||
| Size | 4 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Jona Koenig | Guaranty Trust Bank PLC |
Customer experience
PayForMe
GT eToken
Bugs and requests
PayForMe
Not enough reviews yet to summarise bugs or requests.
GT eToken
Reported bugs
15 issues- App fails to activate with correct debit card information
- OTP generation and delivery failures
- Generate OTP button overlaps with menu icons and is unclickable
- Terms and conditions checkbox not clickable
- App freezes requiring phone restart to function
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- Login credentials erased after app updates
- Error message 'Onboarding limit exceeded' prevents login
- Invalid token error after app updates
- App crashes on launch or won't open
- OTP verification buffering indefinitely
- Authorization code field accepts wrong number of digits
- Hardware token activation not recognized
- Email OTP not received despite correct email address
- App automatically logs out without option to log back in
- Inconsistent error handling with same error for wrong and correct information
Requested features
10 requests- Revert to previous version or hardware token system
- Implement better error messages with solutions
- Add offline functionality for transactions
- Improve customer service accessibility (email, chat support)
- Modernize technology infrastructure with AI improvements
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- Preserve login credentials across app updates
- Support for non-standard email domains
- Better UI/UX design with proper button placement
- Faster app performance and loading times
- Alternative activation methods for international users
In-app purchases
PayForMe
No in-app purchases
GT eToken
No in-app purchases
