ETAP vs GT eToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ETAP
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ETAP makes buying and claiming on car insurance as easy as taking a picture, using lightning-fast technology to unlock better experiences and fairer prices for our customers by offering risk profile based instant cover, crash notification and emergency support, instant claims instant, introducing flexible automated daily, weekly, monthly, and quarterly payment plans and Safe Driving Rewards for drivers who drive safely. ETAP is exactly what the name says it does. It makes Car Insurance "easy as taking a picture" by making it simple, flexible, and transparent. The better you drive, the less you pay. Get rewarded for driving safely by accumulating Safe Driving Points and redeeming for everyday rewards like shopping vouchers, movie tickets and lots more. Features: Risk Profile calculated smart pricing Instant Cover (2 mins to get insured) Pay Daily, Weekly, Monthly or Annually- Rolling cover Add Additional Drivers Crash Notifications & Emergency Support Make Claims from your phone Instant Claims Payment (3 mins to get paid into your bank account) Trip History & Driver Score Safe Driving Points & Rewards
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 iOS requirement: GT eToken at 10.0 against ETAP's 15.1. On price, update cadence, ads and in-app purchases 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.
ETAP ships an update monthly, GT eToken every 2 months. The most recent releases landed on August 27, 2026 and August 17, 2026 respectively.
| Parameter | ETAP | GT eToken |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.8 (93 ratings) — better |
| Positive reviews | — | 3.6% of reviews |
| Number of ratings | — | 93 — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 10.0 — better |
| Further details — not scored | ||
| Size | 88 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | ETAP DIGITAL LIMITED | Guaranty Trust Bank PLC |
Bugs and requests
ETAP
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
ETAP
No in-app purchases
GT eToken
No in-app purchases
