FirstToken vs Fidelity Online Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Generate one-time passcodes
- Secure online transaction authentication
- Eliminates need for hardware token
- Mobile authentication for FirstBank accounts
- Apple device compatibility
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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.
Fidelity Online Banking
Manage your accounts, cards, and transactions securely and easily from your mobile device. Perform transfers, pay bills, top up mobile phones, and access account statements. Features biometric login and branch/ATM locator.
- Secure transaction management
- Inter-bank transfers
- Biometric/Fingerprint login
- Account statement generation
- Bill payments
- Mobile top-ups
- Flight booking
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Welcome to the banking that suits your lifestyle! The upgraded Fidelity Online Banking App lets you stay in control of your finances. Manage your transactions, accounts and cards securely and easily anywhere. The App allows you perform transactions and manage your bank account(s) from your mobile device. It is secure and very simple to use. Conduct your banking transactions while on the move with Fidelity Online Banking app and enjoy a world of convenient banking anytime, anywhere. Our redesigned app puts all the services you need at your fingertips, enabling you do the following: • Transfer to accounts in any Bank in Nigeria • Transfer to your other accounts in exactly one click, no token required • Biometric/Fingerprint Authentication for easier login • View all your accounts (Current, Savings, Fixed Deposit, Domiciliary and Card accounts) • Personalise your profile, change your picture as desired with lovely selfies • Maintain/Manage beneficiaries for Funds Transfer, Bills Payment and Airtime purchases • Receive In-App messages on new features, quick tips and promotional offers. • Top up your mobile phone or that of your family, friends and other loved ones • Pay your bills, such as DSTV, GoTV, PHCN, mobile post-paid bills, SWIFT, Smile and more. • Perform your Fidelity Credit Card repayments • Generate account statement • Search, book and pay for international and local flights • More self-services • Locate nearest Bank branches or ATM service points HOW TO USE THE FIDELITY ONLINE BANKING APP • Install the Fidelity Online Banking app • Open the App and sign in with existing credentials NEW? HOW TO REGISTER If you’re 16 or above and you have your mobile number registered for our SMS alert services as well as any of our Debit Cards, click on “Sign Up Here”, and follow the onscreen instructions. A verification code will be sent to the mobile phone you have registered for your account number with us. If you’ve got a verification, follow the onscreen steps to register. You will be required to use your Fidelity Debit Card OR visit the nearest Bank branch to activate your Online banking profile. Once done, you can start using your Online Banking account immediately. To do much more, download the Fidelity Soft Token app on your phone and sign in with your Online banking credentials. FOR BUSINESS ACCOUNTS You can only use the app if you’re a sole-signatory account holder. You can’t register with your credit cards. FIDELITY INSTANT BANKING Fidelity also has an Instant Banking Service (*770#) which you can dial from any mobile phone linked to your account for SMS alert. The service doesn’t require internet connection. Copyright © Fidelity Bank Plc. 2017. All rights reserved. Fidelity Online Banking is a trademark of Fidelity Bank Plc. INFORMATION AND CUSTOMER SERVICE For more information, please call our True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng
Screenshots
Verdict
The clearest difference is rating: Fidelity Online Banking at 3.7 against FirstToken's 2.3. Fidelity Online Banking also leads on update cadence (every 3 weeks vs every 14 months) and ratings volume (2K vs 86). On price, ads, in-app purchases and monetization model 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.
Fidelity Online Banking holds the better App Store score, 3.7 against 2.3. That said, the two scores are not equally well evidenced: Fidelity Online Banking has 2K ratings behind it against 86, so its average is the more settled of the two. Written reviews point the same way: 13% of FirstToken's written reviews are positive against 28% of Fidelity Online Banking's.
FirstToken ships an update every 14 months, Fidelity Online Banking every 3 weeks. Both last shipped on November 1, 2026.
| Parameter | FirstToken | Fidelity Online Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (86 ratings) | 3.7 (2K ratings) — better |
| Positive reviews | 12.5% of reviews | 28.3% of reviews — better |
| Number of ratings | 86 | 2K — better |
| Update frequency | Every 14 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 11 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Fidelity Bank Plc |
Customer experience
FirstToken
Fidelity Online Banking
Bugs and requests
FirstToken
Not enough reviews yet to summarise bugs or requests.
Fidelity Online Banking
Reported bugs
5 issues- Unable to select source account for transfers
- OTP not received for registration and login
- App freezes after login
- Incorrect transaction receipts generated
- Loyalty points not updating properly
Requested features
5 requests- Dark mode option
- Facial recognition login
- Improved transaction history and statements
- Seamless integration with other payment platforms
- Enhanced customer support and communication
In-app purchases
FirstToken
No in-app purchases
Fidelity Online Banking
No in-app purchases
Questions
Is FirstToken free?
Is Fidelity Online Banking free?
Which has better reviews, FirstToken or Fidelity Online Banking?
Do FirstToken or Fidelity Online Banking have ads?
Which is updated more often, FirstToken or Fidelity Online Banking?
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