Penpay vs ZenithBankToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Penpay
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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).
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.
- One-time password (OTP) generation
- Electronic transaction authentication
- Alternative to hardware tokens
- Multiple activation methods
- Individual and corporate registration
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Penpay ships an update monthly, ZenithBankToken every 2 days. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.
| Parameter | Penpay | ZenithBankToken |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.1 (9 ratings) — better |
| Number of ratings | — | 9 — better |
| Update frequency | Monthly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 36 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Awabah LTD | Zenith Bank PLC |
In-app purchases
Penpay
No in-app purchases
ZenithBankToken
No in-app purchases









