# FirstToken vs VULTe

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.

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.

## The numbers

| Metric | FirstToken | VULTe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (81 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[3.0 (653 ratings)](https://appshunter.io/ios/app/vulte/id1541640258/reviews)** |
| Number of ratings | 81 | **653** |
| Positive reviews | **13.2% of reviews** | 13.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 21 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 11 MB | 116 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Polaris Bank Limited](https://appshunter.io/developer/1453557790) |

## 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


### VULTe

[App page](https://appshunter.io/ios/app/vulte/id1541640258)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 Nice app design
- 💡 Useful features
- 🚀 Fast and responsive

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- ⚠️ Slow and sluggish performance
- 🤕 Poor customer service
- 💰 Debit issues and lack of refunds

**Reported bugs**

- Login issues
- Transaction failures
- Account verification problems

**Requested features**

- Dark mode option
- Improved transaction history
- Seamless biometric login


## Frequently asked questions

### Is FirstToken free?

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

### Is VULTe free?

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

### Which has better reviews, FirstToken or VULTe?

VULTe is rated higher. FirstToken averages 2.3 out of 5 from 81 ratings, while VULTe averages 3.0 from 653 ratings.

### Do FirstToken or VULTe have ads?

Neither FirstToken nor VULTe shows ads.

### Which is updated more often, FirstToken or VULTe?

FirstToken ships an update every 21 months, and VULTe fortnightly. Most recently, FirstToken was updated on September 21, 2026 and VULTe on September 24, 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.*