# FirstToken vs Keystone Bank mToken

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.

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.

## The numbers

| Metric | FirstToken | Keystone Bank mToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (81 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[2.6 (13 ratings)](https://appshunter.io/ios/app/keystone-bank-mtoken/id1496979538/reviews)** |
| Number of ratings | **81** | 13 |
| Positive reviews | **13.2% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 21 months | **Every 19 months** |
| Monetization | Free | Free |
| Size | 11 MB | 20 MB |
| Requires iOS | 15.6 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Keystone bank Limited](https://appshunter.io/developer/1063062983) |

## 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


### Keystone Bank mToken

[App page](https://appshunter.io/ios/app/keystone-bank-mtoken/id1496979538)

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.

**Highlights:** One-Time-Password (OTP) generation, Second factor authentication, Online transaction signing, Enhanced security for banking platforms

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is FirstToken free?

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

### Is Keystone Bank mToken free?

Keystone Bank mToken is free to download, with no in-app purchases.

### Which has better reviews, FirstToken or Keystone Bank mToken?

Keystone Bank mToken is rated higher. FirstToken averages 2.3 out of 5 from 81 ratings, while Keystone Bank mToken averages 2.6 from 13 ratings.

### Do FirstToken or Keystone Bank mToken have ads?

Neither FirstToken nor Keystone Bank mToken shows ads.

### Which is updated more often, FirstToken or Keystone Bank mToken?

FirstToken ships an update every 21 months, and Keystone Bank mToken every 19 months. Most recently, FirstToken was updated on September 21, 2026 and Keystone Bank mToken on July 28, 2026.

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