FirstToken vs Chipper Cash
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.
Chipper Cash
Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.
- Free local money transfers
- Low cross-border rates
- Buy discounted airtime with cashback
- Instant, fee-free bill payments
- Refer friends to earn cash
- Send and receive money instantly
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Send and receive money the fast, free and easy way. Transfer funds across town or across Africa, right from your mobile phone. What is Chipper Cash? Chipper Cash is a cross-border payments app, where over 3 million people send & receive money in and between Nigeria, South Africa, Ghana, Uganda, Rwanda, Tanzania, and now available in United Kingdom (UK). Enjoy free local transfers and the lowest cross-border rates. Chipper Cash is bringing Africa together, one transaction at a time. Everyday we “chip away” at the financial problems facing people across Africa & around the world. Send & Receive Money Just say no to massive fees or traveling to a bank or agent just to send and receive money. Instantly transfer between your accounts for free. Get paid faster, with zero fees! No-Fee Money Transfers Move your money between Chipper Cash and any bank, mobile money account absolutely free! Buy Discounted Airtime & Earn Cashback Purchase discounted Airtime and earn 2% or more CashBack instantly. Get Airtime for yourself, or send to a friend, even send it internationally! Pay Bills Instantly for Free Pay bills with no extra fees charged. Chipper Bill Pay is so easy, that you may even start paying your friend's bills. Bills are a hassle, Chipper is simple, easy and free. Earn with Chipper Earn cash by sharing Chipper with friends and colleagues. They get a cash bonus too. No limits! Pay Anyone / Get Paid, Instantly Run a business and need to pay local and international suppliers? Pay instantly with Chipper and save big on transaction fees. Shopping online for the perfect accessory, pay with Chipper and get those dream items without the nightmare fees. Studying abroad and need tuition and pocket money from home? Chipper saves your family money and you get the funds instantly. Stay informed Chipper is constantly expanding. Keep updated on the latest features, deals and countries Facebook / Instagram / Twitter: @chippercashapp Contact us at: team@chippercash.com
Screenshots
Verdict
The clearest difference is review sentiment: Chipper Cash at 59% against FirstToken's 13%. Chipper Cash also leads on rating (4.3 vs 2.3) and update cadence (every 10 days vs every 14 months). On price, ads, in-app purchases and monetization model 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.
Chipper Cash holds the better App Store score, 4.3 against 2.3. That said, the two scores are not equally well evidenced: Chipper Cash has 15K ratings behind it against 84, 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 59% of Chipper Cash's.
FirstToken ships an update every 14 months, Chipper Cash every 10 days. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.
| Parameter | FirstToken | Chipper Cash |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (84 ratings) | 4.3 (15K ratings) — better |
| Positive reviews | 12.5% of reviews | 58.9% of reviews — better |
| Number of ratings | 84 | 15K — better |
| Update frequency | Every 14 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 11 MB | 166 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Critical Ideas, Inc. |
Customer experience
FirstToken
Chipper Cash
Bugs and requests
FirstToken
Not enough reviews yet to summarise bugs or requests.
Chipper Cash
Reported bugs
3 issues- Login screen freezes
- Virtual card issues
- Inconsistent app performance
Requested features
5 requests- Improved transaction history details
- Add physical card option
- Expand to more countries
- Introduce fixed savings accounts
- Allow cryptocurrency withdrawals
In-app purchases
FirstToken
No in-app purchases
Chipper Cash
No in-app purchases
