# FirstToken vs Fidelity Token

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.

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.

## The numbers

| Metric | FirstToken | Fidelity Token |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (81 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[2.4 (58 ratings)](https://appshunter.io/ios/app/fidelity-token/id1142222358/reviews)** |
| Number of ratings | **81** | 58 |
| Positive reviews | **13.2% of reviews** | 3.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 21 months | **Every 3 months** |
| Monetization | **Free** | Paid |
| Size | 11 MB | 20 MB |
| Requires iOS | 15.6 | **13.0** |
| 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 Token

[App page](https://appshunter.io/ios/app/fidelity-token/id1142222358)

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.

**Highlights:** Second factor authentication, Verify online transactions, Eliminates hardware tokens, One Time Passcode (OTP), Easy PIN input for OTP, Copy and paste OTP

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is FirstToken free?

FirstToken is free to download, with no in-app purchases.

### Is Fidelity Token free?

Fidelity Token is free to download, with no in-app purchases.

### Which has better reviews, FirstToken or Fidelity Token?

Fidelity Token is rated higher. FirstToken averages 2.3 out of 5 from 81 ratings, while Fidelity Token averages 2.4 from 58 ratings.

### Do FirstToken or Fidelity Token have ads?

Neither FirstToken nor Fidelity Token shows ads.

### Which is updated more often, FirstToken or Fidelity Token?

FirstToken ships an update every 21 months, and Fidelity Token every 3 months. Most recently, FirstToken was updated on September 21, 2026 and Fidelity Token on September 17, 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.*