FirstToken vs Banca By Sterling
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.
Banca By Sterling
This business banking app allows users to instantly open business accounts, register their company, and request POS terminals. It also facilitates professional invoice creation, sharing, and online payment collection. Enjoy a seamless user experience with robust security features.
- Instant business account opening
- Business registration
- POS terminal requests
- Professional invoice generation and sharing
- Online payment links
- Bulk transfers
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Banca is a business banking product of sterling bank limited. You can open an instant business account, register your business, request a POS terminal, create and share professional invoices all from the comfort of your mobile. Business is better with Banca! Enjoy exciting features, an excellent user experience and the best security. Banca is powered by Sterling Bank. Features & Benefits Seamless Account Opening Still doing business with a personal account? You can open a business account on Banca within minutes POS Request Request a POS machine for offline collections and we will bring it to you Bulk Transfers Need to pay suppliers and staff? Bulk transfers are so easy on Banca Invoice Generation Generate and share professional invoices with clients Payment Links Collect online payments seamlessly with the Payment Link feature And much more
Screenshots
Verdict
The clearest difference is rating: Banca By Sterling at 3.1 against FirstToken's 2.3. Banca By Sterling also leads on update cadence (every 6 weeks vs every 21 months). FirstToken's advantage is review sentiment (13% vs 0%) and ratings volume (81 vs 18). 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.
Banca By Sterling holds the better App Store score, 3.1 against 2.3. Both are backed by a comparable volume of ratings — 81 and 18 respectively. Written reviews complicate that: 13% of FirstToken's written reviews are positive against 0% of Banca By Sterling'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, Banca By Sterling every 6 weeks. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.
| Parameter | FirstToken | Banca By Sterling |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (81 ratings) | 3.1 (18 ratings) — better |
| Positive reviews | 13.2% of reviews — better | 0.0% of reviews |
| Number of ratings | 81 — better | 18 |
| Update frequency | Every 21 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 11 MB | 76 MB |
| Age rating | 4+ | 17+ |
| Developer | First Bank of Nigeria Limited | Sterling Bank Plc |
Customer experience
FirstToken
Banca By Sterling
In-app purchases
FirstToken
No in-app purchases
Banca By Sterling
No in-app purchases
Questions
Is FirstToken free?
Is Banca By Sterling free?
Which has better reviews, FirstToken or Banca By Sterling?
Do FirstToken or Banca By Sterling have ads?
Which is updated more often, FirstToken or Banca By Sterling?
Other comparisons
