FirstToken vs Fidelity Token
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 Token
Secure your online banking transactions with a mobile app that acts as a second factor for authentication. Verify fund transfers, bill payments, and recharges directly on your iOS device, eliminating the need for a physical hardware token. This app provides an easy and fast way to confirm transaction details and complete them with a secure One Time Passcode.
- Second factor authentication
- Verify online transactions
- Eliminates hardware tokens
- One Time Passcode (OTP)
- Easy PIN input for OTP
- Copy and paste OTP
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Fidelity Token is an innovative mobile app for second factor authentication that enables Fidelity Online Banking users secure all transactions using their iOS devices. This eliminates the need to carry a hardware token. VERIFY TRANSACTIONS Guard yourself when transacting online by confirming your transactions such as: fund transfer, bills payment, airtime recharge etc. right on your mobile application. Confirm the details and enter your secure, One Time Passcode (OTP) to complete the transaction. ACTIVATING YOUR SOFT TOKEN To activate the Fidelity Token, simply login to the Fidelity Token app with your Fidelity Online Banking credentials. Once logged in, the app will authenticate your mobile phone and also request that you provide answer to any of your secret questions. EASE OF USE, SPEED OF TRANSACTION Fidelity Token has been uniquely designed as an easy solution for your transactions. All you need is to input your PIN and the one time password is available instantly to complete your transactions. If you are using the Fidelity Online Banking app, you can easily copy the eight digit token response and paste as required. INFORMATION AND CUSTOMER SERVICE When activating your token for the first time, you will be charged N1,500 + 5% VAT. However this is a one-time charge for your token in line with the Central Bank of Nigeria’s directive. Subsequent reinstallation or reactivation will be free of charge. For more information, please call True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng. Copyright © Fidelity Bank Plc. 2016. All rights reserved. Fidelity Token is a trademark of Fidelity Bank Plc.
Screenshots
Verdict
The clearest difference is monetization model: FirstToken at free against Fidelity Token's paid. FirstToken also leads on review sentiment (13% vs 4%). Fidelity Token's advantage is update cadence (every 3 months vs every 21 months) and iOS requirement (13.0 vs 15.6). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 2.3 for FirstToken against 2.4 for Fidelity Token. Both are backed by a comparable volume of ratings — 81 and 58 respectively. Written reviews are what separate them: 13% of FirstToken's written reviews are positive against 4% of Fidelity Token's.
FirstToken ships an update every 21 months, Fidelity Token every 3 months. The most recent releases landed on September 21, 2026 and September 17, 2026 respectively.
| Parameter | FirstToken | Fidelity Token |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (81 ratings) | 2.4 (58 ratings) — better |
| Positive reviews | 13.2% of reviews — better | 3.7% of reviews |
| Number of ratings | 81 — better | 58 |
| Update frequency | Every 21 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Paid |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 11 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Fidelity Bank Plc |
Customer experience
FirstToken
Fidelity Token
In-app purchases
FirstToken
No in-app purchases
Fidelity Token
No in-app purchases
Questions
Is FirstToken free?
Is Fidelity Token free?
Which has better reviews, FirstToken or Fidelity Token?
Do FirstToken or Fidelity Token have ads?
Which is updated more often, FirstToken or Fidelity Token?
Other comparisons
