Comparison

Penpay vs GT e

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

GT e

This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online and mobile banking. It offers a convenient alternative to hardware tokens, providing 24/7 access to banking services after a simple activation process.

Highlights
  • Generates One-Time Passwords (OTPs)
  • Authenticates electronic transactions
  • Alternative to hardware tokens
  • Supports web, internet, and mobile banking
  • Secure 6-digit passcode login
  • 24/7 banking access
Features
Read full description

GT e-Token Plus Application Description (About this app) The "GT e-Token Plus" 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 e-Token Plus" App can be used as an alternative to or alongside the GTBank hardware token device. Activating Your "GT e-Token Plus" app To activate your "GT e-Token Plus", 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 e-Token Plus" 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 e-Token Plus" 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

Penpay4 screens
GT e4 screens

Verdict

The call

Penpay and GT e are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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, GT e fortnightly. The most recent releases landed on October 2, 2026 and October 13, 2026 respectively.

ScorecardNo meaningful differences
Penpay versus GT e: the parameters behind the verdict, then further details
ParameterPenpayGT e
PriceFreeFree
Rating—4.8 (587 ratings) — better
Positive reviews—53.1% of reviews
Number of ratings—587 — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size36 MB55 MB
Age rating4+4+
DeveloperAwabah LTDGuaranty Trust Bank PLC

In-app purchases

None

Penpay

No in-app purchases

None

GT e

No in-app purchases

Questions

Is Penpay free?
Penpay is free to download, with no in-app purchases.
Is GT e free?
GT e is free to download, with no in-app purchases.
Do Penpay or GT e have ads?
Neither Penpay nor GT e shows ads.
Which is updated more often, Penpay or GT e?
Penpay ships an update monthly, and GT e fortnightly. Most recently, Penpay was updated on October 2, 2026 and GT e on October 13, 2026.

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