# Simplii Financial vs Digital Token

The clearest difference is rating: Simplii Financial at 4.0 against Digital Token's 2.0. Simplii Financial also leads on update cadence (every 5 weeks vs every 4 months) and ratings volume (74 vs 13). Digital Token's advantage is iOS requirement (15.6 vs 17.0). On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Simplii Financial holds the better App Store score, 4.0 against 2.0. That said, the two scores are not equally well evidenced: Simplii Financial has 74 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 26% of Simplii Financial's written reviews are positive against 25% of Digital Token's.

Simplii Financial ships an update every 5 weeks, Digital Token every 4 months. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Simplii Financial | Digital Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (74 ratings)](https://appshunter.io/ios/app/simplii-financial/id581352806/reviews)** | [2.0 (13 ratings)](https://appshunter.io/ios/app/digital-token/id1263218288/reviews) |
| Number of ratings | **74** | 13 |
| Positive reviews | **26.5% of reviews** | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 143 MB | 14 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CIBC](https://appshunter.io/developer/351448956) | [The Bank of Nova Scotia](https://appshunter.io/developer/341151577) |

## What reviewers say

### Simplii Financial

[App page](https://appshunter.io/ios/app/simplii-financial/id581352806)

Manage your finances on the go with this award-winning banking app. Pay bills, transfer funds, send and receive money internationally for free, and apply for new accounts. Enjoy exclusive offers and secure banking features.

**Highlights:** Pay bills, Transfer funds, Send/receive money internationally, Order foreign cash, Apply for accounts, Manage alerts, Chat with live agent

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use interface
- 🚀 Smooth performance
- 💳 Convenient banking features

**What reviewers complain about**

- 🐛 Frequent login issues
- ⚠️ Buggy updates
- 💸 Excessive fees
- 🤖 Poor customer service

**Reported bugs**

- App freezes during login
- Mobile deposit not working
- Notification badge not clearing

**Requested features**

- Dark mode option
- Transaction notifications
- Improved account management tools


### Digital Token

[App page](https://appshunter.io/ios/app/digital-token/id1263218288)

This app simplifies signing into specific banking applications by generating a token value for login. It enables two-factor authentication using a soft token, which can be unlocked with device-based biometrics like TouchID or FaceID.

**Highlights:** Generate token values for login, Two-factor authentication, Scan QR codes for registration, Device-based login (TouchID/FaceID), Soft token functionality

**In-app purchases:** none


## Frequently asked questions

### Is Simplii Financial free?

Simplii Financial is free to download, with no in-app purchases.

### Is Digital Token free?

Digital Token is free to download, with no in-app purchases.

### Which has better reviews, Simplii Financial or Digital Token?

Simplii Financial is rated higher. Simplii Financial averages 4.0 out of 5 from 74 ratings, while Digital Token averages 2.0 from 13 ratings.

### Do Simplii Financial or Digital Token have ads?

Neither Simplii Financial nor Digital Token shows ads.

### Which is updated more often, Simplii Financial or Digital Token?

Simplii Financial ships an update every 5 weeks, and Digital Token every 4 months. Most recently, Simplii Financial was updated on September 24, 2026 and Digital Token on September 21, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*