FirstToken vs VULTe
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.
VULTe
This app offers a unified platform for banking and lifestyle services. Manage your finances with a new dashboard, book travel, and shop with flexible payment options. Enjoy real-time notifications and quick account opening.
- Smart dashboard for money management
- Direct hotel and flight bookings
- Real-time transaction notifications
- Fast account opening
- Buy Now, Pay Later marketplace
- USSD settings management
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VULTe 3.0 is here — A Smarter Way to Bank and Live! We’ve completely reimagined your VULTe experience. From seamless banking to lifestyle conveniences, VULTe 3.0 brings you closer to everything you need — all in one place. What’s New: 1. New Dashboard A smarter, cleaner dashboard so you can manage your money and take action faster — right from your home screen. 2. Hotel & Flight Bookings Travel made easy! Book hotels and flights directly on VULTe. No third-party needed. 3. Real-time Notifications Stay in control with instant alerts on your transactions and app activity. 4. Swift Sign-up Open a Polaris Bank account in minutes — no branch visit required! 5. Buy Now, Pay Later (BNPL) Marketplace Browse and shop from partner merchants with flexible payment options. Split payments, stress-free. 6. USSD Activation & Deactivation Manage your USSD settings within the app, anytime you like. And that’s not all... VULTe 3.0 comes with a powerful new value: ● Direct Debit to help you fund your Polaris account faster. ● Exclusive Deals just for VULTe users. ● AI-powered recommendations that make your banking smarter. Experience lifestyle + banking like never before. Update now to enjoy the new VULTe 3.0!
Screenshots
Verdict
The clearest difference is rating: VULTe at 3.0 against FirstToken's 2.3. VULTe also leads on update cadence (fortnightly vs every 21 months) and ratings volume (653 vs 81). On price, review sentiment, 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.
VULTe holds the better App Store score, 3.0 against 2.3. That said, the two scores are not equally well evidenced: VULTe has 653 ratings behind it against 81, so its average is the more settled of the two. Written reviews split almost evenly too, at 13% and 13% positive.
FirstToken ships an update every 21 months, VULTe fortnightly. The most recent releases landed on September 21, 2026 and September 24, 2026 respectively.
| Parameter | FirstToken | VULTe |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (81 ratings) | 3.0 (653 ratings) — better |
| Positive reviews | 13.2% of reviews — better | 13.1% of reviews |
| Number of ratings | 81 | 653 — better |
| Update frequency | Every 21 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.5 — better |
| Further details — not scored | ||
| Size | 11 MB | 116 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | Polaris Bank Limited |
Customer experience
FirstToken
VULTe
Bugs and requests
FirstToken
Not enough reviews yet to summarise bugs or requests.
VULTe
Reported bugs
3 issues- Login issues
- Transaction failures
- Account verification problems
Requested features
3 requests- Dark mode option
- Improved transaction history
- Seamless biometric login
In-app purchases
FirstToken
No in-app purchases
VULTe
No in-app purchases
