FirstToken vs Keystone Bank mToken
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.
Keystone Bank mToken
This security application generates One-Time-Passwords (OTP) to enhance online transaction security. It serves as a second factor for authenticating digital activities on banking platforms.
- One-Time-Password (OTP) generation
- Second factor authentication
- Online transaction signing
- Enhanced security for banking platforms
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Keystone Bank mToken is a security application that provides swift and easy One-Time-Password (OTP) for use as a second factor authentication for online transaction signing on Keystone Bank’s transactional platforms.
Screenshots
Verdict
The clearest difference is rating: Keystone Bank mToken at 2.6 against FirstToken's 2.3. Keystone Bank mToken also leads on iOS requirement (9.0 vs 15.6). FirstToken's advantage is review sentiment (13% vs 0%) and ratings volume (81 vs 13). On price, update cadence, 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.
Keystone Bank mToken holds the better App Store score, 2.6 against 2.3. That said, the two scores are not equally well evidenced: FirstToken has 81 ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 13% of FirstToken's written reviews are positive against 0% of Keystone Bank mToken's, so the app with the better star average is not the one people write more warmly about.
FirstToken ships an update every 21 months, Keystone Bank mToken every 19 months. The most recent releases landed on September 21, 2026 and July 28, 2026 respectively.
| Parameter | FirstToken | Keystone Bank mToken |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (81 ratings) | 2.6 (13 ratings) — better |
| Positive reviews | 13.2% of reviews — better | 0.0% of reviews |
| Number of ratings | 81 — better | 13 |
| Update frequency | Every 21 months | Every 19 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 9.0 — better |
| Further details — not scored | ||
| Size | 11 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Keystone bank Limited |
Customer experience
FirstToken
Keystone Bank mToken
In-app purchases
FirstToken
No in-app purchases
Keystone Bank mToken
No in-app purchases
Questions
Is FirstToken free?
Is Keystone Bank mToken free?
Which has better reviews, FirstToken or Keystone Bank mToken?
Do FirstToken or Keystone Bank mToken have ads?
Which is updated more often, FirstToken or Keystone Bank mToken?
Other comparisons
