# FirstToken vs Chipper Cash

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.

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 17, 2026 respectively.

## The numbers

| Metric | FirstToken | Chipper Cash |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (84 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[4.3 (15K ratings)](https://appshunter.io/ios/app/chipper-cash/id1353631552/reviews)** |
| Number of ratings | 84 | **15K** |
| Positive reviews | 12.5% of reviews | **58.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 10 days** |
| Monetization | Free | Free |
| Size | 11 MB | 166 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Critical Ideas, Inc.](https://appshunter.io/developer/871993566) |

## 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


### Chipper Cash

[App page](https://appshunter.io/ios/app/chipper-cash/id1353631552)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and reliable transactions
- 💰 Cashback and bonuses
- 🔒 Secure platform
- 💳 Convenient virtual card

**What reviewers complain about**

- 🐛 Occasional app crashes
- ⏰ Delayed transaction processing
- 🔒 Verification issues
- 💸 Unexpected account locks
- 🤖 Poor customer service response

**Reported bugs**

- Login screen freezes
- Virtual card issues
- Inconsistent app performance

**Requested features**

- Improved transaction history details
- Add physical card option
- Expand to more countries
- Introduce fixed savings accounts
- Allow cryptocurrency withdrawals


## Frequently asked questions

### Is FirstToken free?

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

### Is Chipper Cash free?

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

### Which has better reviews, FirstToken or Chipper Cash?

Chipper Cash is rated higher. FirstToken averages 2.3 out of 5 from 84 ratings, while Chipper Cash averages 4.3 from 15K ratings.

### Do FirstToken or Chipper Cash have ads?

Neither FirstToken nor Chipper Cash shows ads.

### Which is updated more often, FirstToken or Chipper Cash?

FirstToken ships an update every 14 months, and Chipper Cash every 10 days. Most recently, FirstToken was updated on October 14, 2026 and Chipper Cash on October 17, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*