VM Digital Token vs GK One
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VM Digital Token
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VMBS business banking token app
GK One
This app facilitates money transfers, bill payments, and online shopping. It also allows users to apply for credit cards and insurance, manage prepaid cards, and donate to charities. Earn rewards by referring friends and track all your transactions in one place.
- Send and receive money transfers
- Pay bills to over 100 billers
- Apply for credit cards and insurance
- Shop online with a prepaid VISA card
- Refer friends to earn rewards
- Donate to charities
- Manage account and view transaction history
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The GK One app gives you all-in-one financial freedom to manage your money, shop online, and stay connected. MONEY TRANSFERS & CARDS Collect or send Western Union transfers 24/7, make instant peer-to-peer transfers, and get a FREE VISA Prepaid card to shop online anywhere VISA is accepted. QUICK TOP-UPS *Instantly reload mobile credit (Flow & Digicel), JUTC SmartFare bus cards, and Highway 2000 T-Tags. SHOP ONLINE *Access Amazon, Shein, groceries, gift cards, travel, event tickets, courier services, and finance markets all from one hub. INVESTMENTS & LOANS *Invest with First Global Bank (FGB), or apply for FGB credit cards, auto loans, and mortgages directly in the app. INSURANCE & BILL PAYMENTS *Pay over 100 billers for free and purchase Third-Party Motor Vehicle or Accidental Medical insurance from GKGI. REWARDS & DISCOUNTS *Refer friends to earn GK Value Rewards points and unlock exclusive merchant discounts through GK Loyalty. EASY ACCOUNT MANAGEMENT *Track balances, view transaction history, get instant alerts, and manage or replace your card anytime. Download the GK One app today and claim your FREE VISA Prepaid card! N.B: To use some features of the GK One app, we are required to validate your identity to be compliant with local Know-Your-Customer (KYC) laws. In validating your identity, the GK One app will require access to your device's camera to capture photos and videos to facilitate ID verification and liveness detection. The Identity verification task must start and cannot be paused or interrupted to provide the best user experience possible. In some cases, the identity verification process may fail which requires the user to restart the process. We will require Foreground Service permissions for this process. Your privacy and data security are important to us, and all information collected will be handled in accordance with our privacy policy. GK One - ONE solution, endless possibilities! *The GK One digital product is being tested in the Bank of Jamaica Sandbox*
Screenshots
Verdict
The clearest difference is update cadence: GK One at every 2 months against VM Digital Token's every 12 months. VM Digital Token's advantage is iOS requirement (13.0 vs 15.0). 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.
VM Digital Token ships an update every 12 months, GK One every 2 months. The most recent releases landed on September 28, 2026 and October 13, 2026 respectively.
| Parameter | VM Digital Token | GK One |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (1.6K ratings) — better |
| Positive reviews | — | 75.0% of reviews |
| Number of ratings | — | 1.6K — better |
| Update frequency | Every 12 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 6 MB | 156 MB |
| Age rating | 4+ | 4+ |
| Developer | The Victoria Mutual Building Society | GraceKennedy Financial Group Limited |
Bugs and requests
VM Digital Token
Not enough reviews yet to summarise bugs or requests.
GK One
Reported bugs
2 issues- Transferred money disappearing
- App not working for a period of time
Requested features
4 requests- Face ID login for faster access
- Increase transaction limits
- Add dark mode option
- Improve contact information editing
In-app purchases
VM Digital Token
No in-app purchases
GK One
No in-app purchases
Questions
Is VM Digital Token free?
Is GK One free?
Do VM Digital Token or GK One have ads?
Which is updated more often, VM Digital Token or GK One?
Other comparisons
