FirstToken vs Remita
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.
Remita
Manage your finances with ease. Send money to Nigerian and African banks, pay bills, book flights, and top up airtime. Track expenses, set budgets, and automate recurring payments. Facilitates group payments and contactless transactions.
- Money transfers to Nigerian and African banks
- Bill payments (electricity, TV, school fees)
- Flight booking and comparison
- Airtime and data top-up
- Consolidated bank account view
- Budgeting and expense tracking
- Automated recurring payments
- QR code payments
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Send Money Anywhere: Transfer to all Nigerian banks, including microfinance banks and wallets, plus send to banks across Africa. Pay Bills Easily: Electricity, water, Pay TV, school fees, insurance, government agencies and more. Book Flights: Search, compare, book, and pay for local and international flights. Top Up Airtime & Data: Recharge for yourself, others, or multiple beneficiaries instantly. View All Your Accounts: See balances across all your profiled bank accounts on one screen. Budget & Track Expenses: Plan ahead and spend wisely. Recurring Payments: Never miss any time-bound payment again! Simply automate it with Remita. Split Bills: Super easy way to pull funds together for a common purpose-hangout, support for a friend, project, etc. Snap or Tap to Pay: Scan QR codes or tap to complete payments at shops, schools, restaurants, and more. Business Ready: Review and securely authorise payments for SME, businesses, SME, NGOs, faith institutions, governments and others on the go.
Screenshots
Verdict
The clearest difference is rating: Remita at 3.0 against FirstToken's 2.3. Remita also leads on update cadence (every 5 days vs every 14 months). FirstToken's advantage is ratings volume (84 vs 23). On price, review sentiment, 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.
Remita holds the better App Store score, 3.0 against 2.3. Both are backed by a comparable volume of ratings — 84 and 23 respectively. Written reviews complicate that: 13% of FirstToken's written reviews are positive against 7% of Remita'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, Remita every 5 days. The most recent releases landed on October 11, 2026 and October 10, 2026 respectively.
| Parameter | FirstToken | Remita |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (84 ratings) | 3.0 (23 ratings) — better |
| Positive reviews | 12.5% of reviews — better | 6.7% of reviews |
| Number of ratings | 84 — better | 23 |
| Update frequency | Every 14 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 11 MB | 186 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Systemspecs Limited |
Customer experience
FirstToken
Remita
In-app purchases
FirstToken
No in-app purchases
Remita
No in-app purchases
