FirstToken vs UBA Internet 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.
UBA Internet Banking
Access your bank accounts securely from your mobile device. This application provides on-the-go access to your internet banking services, making financial management convenient and safe.
- Mobile banking access
- Secure transactions
- On-the-go financial management
- Access to internet banking platform
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U-Direct Retail app is the mobile app version of U-Direct internet banking, offering easier and safer access to the U-Direct platform on the go
Screenshots
Verdict
The clearest difference is rating: UBA Internet Banking at 2.6 against FirstToken's 2.3. UBA Internet Banking also leads on iOS requirement (8.1 vs 15.6). FirstToken's advantage is review sentiment (13% vs 0%) and update cadence (every 14 months vs every 29 months). On price, ratings volume, ads and in-app purchases 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.
UBA Internet Banking holds the better App Store score, 2.6 against 2.3. Both are backed by a comparable volume of ratings — 84 and 44 respectively. Written reviews complicate that: 13% of FirstToken's written reviews are positive against 0% of UBA Internet Banking's, so the app with the better star average is not the one people write more warmly about.
FirstToken ships an update every 14 months, UBA Internet Banking every 29 months. The most recent releases landed on October 14, 2026 and October 4, 2026 respectively.
| Parameter | FirstToken | UBA Internet Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (84 ratings) | 2.6 (44 ratings) — better |
| Positive reviews | 12.5% of reviews — better | 0.0% of reviews |
| Number of ratings | 84 — better | 44 |
| Update frequency | Every 14 months — better | Every 29 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 8.1 — better |
| Further details — not scored | ||
| Size | 11 MB | 25 MB |
| Age rating | 4+ | 17+ |
| Developer | First Bank of Nigeria Limited | United Bank For Africa Plc |
Customer experience
FirstToken
UBA Internet Banking
In-app purchases
FirstToken
No in-app purchases
UBA Internet Banking
No in-app purchases
Questions
Is FirstToken free?
Is UBA Internet Banking free?
Which has better reviews, FirstToken or UBA Internet Banking?
Do FirstToken or UBA Internet Banking have ads?
Which is updated more often, FirstToken or UBA Internet Banking?
Other comparisons
