Comparison

Penpay vs ZenithBankToken

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Penpay

Features
Read full description

Penpay offers dedicated support for all types of pension payments. You can do the following on our platform: - Fund your pension account - Fund someone else’s pension account (this could be your staff or even your friend). You can pay on a one-off or recurring basis. You can make payment through the following methods: - USSD - Card (local and international cards are accepted) - Virtual account transfer Etc. All you need is your RSA pin (you can enroll if you do not have one yet).

About

ZenithBankToken

This app generates one-time passwords (OTPs) for secure electronic transaction authentication. It serves as a digital alternative to hardware tokens, offering various activation methods for both individual and corporate users.

Highlights
  • One-time password (OTP) generation
  • Electronic transaction authentication
  • Alternative to hardware tokens
  • Multiple activation methods
  • Individual and corporate registration
Features
Read full description

ZenithBankToken App is a mobile application that generates One Time Passwords (OTPs) used in the authentication of electronic transactions. A one-time password (OTP) is a series of characters that automatically authenticates the user for a single transaction or session. It is also an alternative to the Hardware Token. Activate the App using the activation details stated below Register as an Individual Select Activation Method Hardware Token: Account Number + 4-digit Server PIN and Hardware Token Code Image Verification: Account Number + Date of Birth Quick Access: Visit Bank branch and generate activation code required for enabling access on the E-token App OTP: Account Number + Date of Birth A one-time password (OTP) will be sent to your registered phone number Register as a Corporate Select Activation Method Quick Access: Visit Bank branch and generate activation code required for enabling access on the Zenithbanktoken App

Screenshots

Penpay4 screens
ZenithBankToken4 screens

Verdict

The call

The clearest difference is update cadence: ZenithBankToken at every 2 days against Penpay's monthly. 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Penpay ships an update monthly, ZenithBankToken every 2 days. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.

Scorecard1 real difference · 8 level
Penpay versus ZenithBankToken: the parameters behind the verdict, then further details
ParameterPenpayZenithBankToken
PriceFreeFree
Rating—4.1 (9 ratings) — better
Number of ratings—9 — better
Update frequencyMonthlyEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.6
Further details — not scored
Size36 MB24 MB
Age rating4+4+
DeveloperAwabah LTDZenith Bank PLC

In-app purchases

None

Penpay

No in-app purchases

None

ZenithBankToken

No in-app purchases

Questions

Is Penpay free?
Penpay is free to download, with no in-app purchases.
Is ZenithBankToken free?
ZenithBankToken is free to download, with no in-app purchases.
Do Penpay or ZenithBankToken have ads?
Neither Penpay nor ZenithBankToken shows ads.
Which is updated more often, Penpay or ZenithBankToken?
Penpay ships an update monthly, and ZenithBankToken every 2 days. Most recently, Penpay was updated on October 24, 2026 and ZenithBankToken on October 23, 2026.

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