FirstToken vs FCMB Mobile
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.
FCMB Mobile
Manage personal and business finances conveniently and securely. This app offers real-time account and card management from anywhere, anytime, with a user-friendly interface.
- Personal finance management
- Business finance management
- Account management
- Card management
- Real-time transactions
- Secure banking
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The "FCMB" App is all you need for all your personal and business financial services. FCMB App is fast, convenient and very secure. It is also packed with simple to use features and an interesting layout for easy navigation. You can now manage your FCMB personal and business accounts as well as your cards in real-time, anywhere and anytime! For more enquiries and information you can caller contact centre on 01-2798800, 07003290000 or send email to customerservice@fcmb.com.
Screenshots
Verdict
The clearest difference is rating: FCMB Mobile at 3.4 against FirstToken's 2.3. FCMB Mobile also leads on update cadence (every 2 weeks vs every 14 months) and review sentiment (32% vs 13%). 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.
FCMB Mobile holds the better App Store score, 3.4 against 2.3. That said, the two scores are not equally well evidenced: FCMB Mobile has 1.2K ratings behind it against 86, 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 32% of FCMB Mobile's.
FirstToken ships an update every 14 months, FCMB Mobile every 2 weeks. The most recent releases landed on October 31, 2026 and October 27, 2026 respectively.
| Parameter | FirstToken | FCMB Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (86 ratings) | 3.4 (1.2K ratings) — better |
| Positive reviews | 12.5% of reviews | 32.1% of reviews — better |
| Number of ratings | 86 | 1.2K — better |
| Update frequency | Every 14 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15 — better |
| Further details — not scored | ||
| Size | 11 MB | 152 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | First City Monument Bank |
Customer experience
FirstToken
FCMB Mobile
Bugs and requests
FirstToken
Not enough reviews yet to summarise bugs or requests.
FCMB Mobile
Reported bugs
5 issues- Unable to login consistently
- Transactions failing without explanation
- Incorrect account balance display
- Debit card issues and delays
- Compatibility problems with newer devices
Requested features
5 requests- Add search functionality for banks
- Implement dark mode option
- Improve transaction history visibility
- Enhance customer support channels
- Streamline account management features
In-app purchases
FirstToken
No in-app purchases
FCMB Mobile
No in-app purchases
