Comparison

FirstToken vs Fidelity Online Banking

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

Head to head
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.

About

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.

Highlights
  • Secure transaction management
  • Inter-bank transfers
  • Biometric/Fingerprint login
  • Account statement generation
  • Bill payments
  • Mobile top-ups
  • Flight booking
Features
Read full description

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

FirstToken4 screens
Fidelity Online Banking4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

FirstToken ships an update every 14 months, Fidelity Online Banking every 3 weeks. Both last shipped on November 1, 2026.

Scorecard4 real differences · 6 level
FirstToken versus Fidelity Online Banking: the parameters behind the verdict, then further details
ParameterFirstTokenFidelity Online Banking
PriceFreeFree
Rating2.3 (86 ratings)3.7 (2K ratings) — better
Positive reviews12.5% of reviews28.3% of reviews — better
Number of ratings862K — better
Update frequencyEvery 14 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.0 — better
Further details — not scored
Size11 MB87 MB
Age rating4+4+
DeveloperFirst Bank of Nigeria LimitedFidelity Bank Plc

Customer experience

FirstToken

All ratings84 ratings
Positive27.4%
Neutral8.3%
Negative64.3%
Written reviews40 reviews
Positive12.5%
Neutral0.0%
Negative87.5%

Fidelity Online Banking

All ratings1,966 ratings
Positive64.5%
Neutral9.2%
Negative26.3%
Written reviews180 reviews
Positive28.3%
Neutral4.4%
Negative67.2%

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

None

FirstToken

No in-app purchases

None

Fidelity Online Banking

No in-app purchases

Questions

Is FirstToken free?
FirstToken is free to download, with no in-app purchases.
Is Fidelity Online Banking free?
Fidelity Online Banking is free to download, with no in-app purchases.
Which has better reviews, FirstToken or Fidelity Online Banking?
Fidelity Online Banking is rated higher. FirstToken averages 2.3 out of 5 from 86 ratings, while Fidelity Online Banking averages 3.7 from 2K ratings.
Do FirstToken or Fidelity Online Banking have ads?
Neither FirstToken nor Fidelity Online Banking shows ads.
Which is updated more often, FirstToken or Fidelity Online Banking?
FirstToken ships an update every 14 months, and Fidelity Online Banking every 3 weeks. Most recently, FirstToken was updated on November 1, 2026 and Fidelity Online Banking on November 1, 2026.

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