Comparison

Zenith Bank eaZymoney vs FirstToken

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

Head to head
About

Zenith Bank eaZymoney

Manage your finances on the go with this mobile banking app. Perform card settlements, transfer funds, and make payments using QR codes. The app offers a comprehensive overview of all your accounts and various banking services.

Highlights
  • Account overview and history
  • Fund transfers (own, Zenith, other banks, foreign)
  • Bill payments and airtime recharge
  • QR code payments
  • Card management (settlement, activation/deactivation)
  • Cheque management
  • View bank statements
Features
Read full description

Make your life experiences simpler and stay in control with Zenith Mobile Banking app. Manage your finances; make card settlements, transfer funds and make payments using QR (Quick Response codes). How do I Register? To register, simply download the app and select any of the three (3) registration options 1. With Hardware Token a) Enter Account number and Continue b) Click Hardware Token c) Enter the Token from the device and Token PIN • Create and confirm Password (six digits) • Create and confirm Mobile PIN (four digits) • Click on Submit (Operation Successful) d) The user is required to enter Account Number and Password to log on. 2. With Card a) Enters Account Number and Continue b) Select Card c) Enter the Last Six Digits of the Card and Card Pin • Create and Confirm Password (six digits) • Create and Confirm Mobile PIN (four digits) • Clicks on Submit (Operation Successful) d) The user is required to enter Account Number and Password to log on to the App. 3. Branch Activation Note: • Registration is one time • To Add New Device, user should simply login with Account Number and Password, System will prompt for Device Registration. • Customer can authorize with Token or Card Details. • Users can add up to 3 Devices. Some features of Zenith Mobile Banking are: a) Overview: view all accounts (current, savings, fixed deposit, Domiciliary etc.) • Account balance • Account History • Search b) Transfers • Transfer History • Own Account Transfer • Zenith account Transfer • Other Banks Transfer • Foreign Transfer • Open Account for Beneficiary c) Data Bundles d) Airtime Recharge e) Bills payment • Zenith Billers • Quickteller Merchants f) QR Payments g) Scheduled Payments • Transfers • Airtime Payment • Bills Payment h) Cards • Card Settlement • Activate / Deactivate Card • Card Dispense Manager i) Cheques • Request Cheque Book • Confirm Cheque • Stop Cheque • Verify Cheque Status • Bank Draft j) Travel and Leisure • Travelstart • Dubai Visa k) Bank Services • My Bank Statement l) Message *These are messages sent to the customer by the bank* m) Settings • Manage Beneficiaries • Customize eaZylinks • Change Authorization • Change Password • Change PIN • Reset PIN • Transfer Limits • Hide Account • Show Account • My Devices • My BVN • Update KYC n) Zenith Near Me o) Sign Out

About

FirstToken

Generate one-time passcodes for secure online transactions. This app allows FirstBank account holders to authenticate purchases directly from their Apple device, removing the need for a physical hardware token.

Highlights
  • Generate one-time passcodes
  • Secure online transaction authentication
  • Eliminates need for hardware token
  • Mobile authentication for FirstBank accounts
  • Apple device compatibility
Features
Read full description

Generate one time passcodes on the go using the FirstToken application. FirstToken app is an innovative mobile application that enables FirstBank account holders authenticate online transactions on their Apple device. It eliminates the need to constantly carry your hardware token with you.

Screenshots

Zenith Bank eaZymoney4 screens
FirstToken4 screens

Verdict

The call

The clearest difference is rating: Zenith Bank eaZymoney at 3.2 against FirstToken's 2.3. Zenith Bank eaZymoney also leads on update cadence (every 2 months vs every 21 months). On price, review sentiment, ratings volume and ads 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.

ReceptionRating · Positive reviews · Number of ratings

Zenith Bank eaZymoney holds the better App Store score, 3.2 against 2.3. Both are backed by a comparable volume of ratings — 188 and 81 respectively. Written reviews complicate that: 11% of Zenith Bank eaZymoney's written reviews are positive against 13% of FirstToken's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Zenith Bank eaZymoney ships an update every 2 months, FirstToken every 21 months. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.

Scorecard2 real differences · 8 level
Zenith Bank eaZymoney versus FirstToken: the parameters behind the verdict, then further details
ParameterZenith Bank eaZymoneyFirstToken
PriceFreeFree
Rating3.2 (188 ratings) — better2.3 (81 ratings)
Positive reviews11.3% of reviews13.2% of reviews — better
Number of ratings188 — better81
Update frequencyEvery 2 months — betterEvery 21 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size92 MB11 MB
Age rating4+4+
DeveloperZenith Bank PLCFirst Bank of Nigeria Limited

Customer experience

Zenith Bank eaZymoney

All ratings188 ratings
Positive52.1%
Neutral7.4%
Negative40.4%
Written reviews327 reviews
Positive11.3%
Neutral4.9%
Negative83.8%

FirstToken

All ratings81 ratings
Positive28.4%
Neutral7.4%
Negative64.2%
Written reviews38 reviews
Positive13.2%
Neutral0.0%
Negative86.8%

Bugs and requests

Zenith Bank eaZymoney

Reported bugs

3 issues
  • Login issues after app update
  • Transfer limits not working as expected
  • Balance not refreshing correctly

Requested features

3 requests
  • Dark mode option
  • Transaction history export
  • Improved customer support

FirstToken

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Zenith Bank eaZymoney

No in-app purchases

None

FirstToken

No in-app purchases

Questions

Is Zenith Bank eaZymoney free?
Zenith Bank eaZymoney is free to download, with no in-app purchases.
Is FirstToken free?
FirstToken is free to download, with no in-app purchases.
Which has better reviews, Zenith Bank eaZymoney or FirstToken?
Zenith Bank eaZymoney is rated higher. Zenith Bank eaZymoney averages 3.2 out of 5 from 188 ratings, while FirstToken averages 2.3 from 81 ratings.
Do Zenith Bank eaZymoney or FirstToken have ads?
Neither Zenith Bank eaZymoney nor FirstToken shows ads.
Which is updated more often, Zenith Bank eaZymoney or FirstToken?
Zenith Bank eaZymoney ships an update every 2 months, and FirstToken every 21 months. Most recently, Zenith Bank eaZymoney was updated on September 23, 2026 and FirstToken on September 21, 2026.

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