Comparison

GT e vs Floww Finance

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

Head to head
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.

About

Floww Finance

Features
Read full description

Floww Finance is an automatic Business Management tool and Bookkeeping app for Startup, Small Businesses, Busy People, People with little or no accounting/educational background, and visually/motor impaired persons. Manage your Business Product finances without typing a single transaction. Floww Finance is the bookkeeping app built for Startups, small business owners, and SMEs — combining automatic transaction capture, voice-powered financial tracking, and smart debt recovery / reminder in one simple app. KEY FEATURES Automatic Transaction CaptureConnect your bank account and every transaction — money in, money out — is captured automatically. No manual entry, no spreadsheets, no stress. Voice Input in Your Language Update your books by speaking in Yoruba, Igbo, Hausa, Pidgin, Spanish, French or English. Just talk, and Floww Finance logs the transaction for you — NO TYPING REQUIRED. Debt Tracking & Automated Reminders Easily track who owes you money. Record part payments and send automated SMS reminders in one tap — recover what you're owed without the awkward follow-up calls. Floww also helps you keep track of the money you owe by sending you reminders 1week, 3days, 2days, 1day and the day you are meant to pay so you are aware and don't default on your loan. Offline Functionality No internet? No problem. Floww Finance works fully offline and syncs automatically once you're back online — built for all type of connectivity. Budgets & Savings Targets Set spending limits and savings goals. Every transaction tags itself automatically, so you always know exactly where you stand. Multi-User Access (Helper Dashboard) Add trusted staff to help manage your books with limited, secure access — they can record transactions but never see your full balance or delete entries. Multi-Language Support Built for accessibility — Floww Finance works in multiple languages, making it usable for low-literacy users and people with visual or motor impairments. Online Store Get an online store for your business within 1 minute - Get order, manage order and fulfil online orders with ease WHY FLOWW FINANCE Unlike other bookkeeping and expense tracker apps, Floww Finance requires zero manual data entry. Your bank sync and voice input do the work, so you can focus on running your startup/ business instead of managing spreadsheets. Perfect for: startup, market traders, small business owners, food vendors, tailors, farmers, service providers, freelancers, and salary earners managing a side business. Join hundreds of business owners already simplifying their financial management with Floww Finance. Download now and start tracking your finances automatically — in your own language, at your own pace. flowws.finance Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

GT e4 screens
Floww Finance4 screens

Verdict

The call

The clearest difference is in-app purchases: GT e at none against Floww Finance's 6. GT e also leads on ads (none vs shown). Floww Finance's advantage is update cadence (every 2 days vs fortnightly). On price, device support and iOS requirement 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. Floww Finance sells 5 in-app purchases, starting at $0.99 per month. GT e asks for nothing beyond the download.

UpkeepUpdate frequency

GT e ships an update fortnightly, Floww Finance every 2 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
GT e versus Floww Finance: the parameters behind the verdict, then further details
ParameterGT eFloww Finance
PriceFreeFree
Rating4.9 (796 ratings) — better—
Positive reviews57.5% of reviews—
Number of ratings796 — better—
Update frequencyFortnightlyEvery 2 days — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size55 MB45 MB
Age rating4+4+
DeveloperGuaranty Trust Bank PLCOLUWADAMILARE EMMANUEL OLOYEDE

In-app purchases

None

GT e

No in-app purchases

5 purchases

Floww Finance

Subscriptions5
  • Upgrade2 variants$0.991 Month
  • Upgrade$2.991 Year
  • Upgrade$5.991 Month
Show 2 more
  • Upgrade$9.991 Year
  • Upgrade$59.991 Year

Questions

Is GT e free?
GT e is free to download, with no in-app purchases.
Is Floww Finance free?
Floww Finance is free to download, with in-app purchases available.
Do GT e or Floww Finance have ads?
Floww Finance shows ads; GT e does not.
Which is updated more often, GT e or Floww Finance?
GT e ships an update fortnightly, and Floww Finance every 2 days. Most recently, GT e was updated on October 25, 2026 and Floww Finance on October 24, 2026.

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