# FirstToken vs Fidelity Online Banking

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.

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.

## The numbers

| Metric | FirstToken | Fidelity Online Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (86 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[3.7 (2K ratings)](https://appshunter.io/ios/app/fidelity-online-banking/id1051038075/reviews)** |
| Number of ratings | 86 | **2K** |
| Positive reviews | 12.5% of reviews | **28.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 11 MB | 87 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Fidelity Bank Plc](https://appshunter.io/developer/945935916) |

## What reviewers say

### FirstToken

[App page](https://appshunter.io/ios/app/firsttoken/id982312846)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Fidelity Online Banking

[App page](https://appshunter.io/ios/app/fidelity-online-banking/id1051038075)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 🔒 Secure banking
- 👍 User-friendly interface
- 💡 Innovative features
- 🌟 Overall great app

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⚠️ Unreliable network connectivity
- 🕰️ Slow performance and response times
- 🤯 Frustrating user experience
- 💸 Deducts money without proper transactions

**Reported bugs**

- 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**

- Dark mode option
- Facial recognition login
- Improved transaction history and statements
- Seamless integration with other payment platforms
- Enhanced customer support and communication


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*