# FirstToken vs Banca By Sterling

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.

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.

## The numbers

| Metric | FirstToken | Banca By Sterling |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (81 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[3.1 (18 ratings)](https://appshunter.io/ios/app/banca-by-sterling/id6451045237/reviews)** |
| Number of ratings | **81** | 18 |
| Positive reviews | **13.2% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 21 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 11 MB | 76 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Sterling Bank Plc](https://appshunter.io/developer/904621992) |

## 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


### Banca By Sterling

[App page](https://appshunter.io/ios/app/banca-by-sterling/id6451045237)

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.

**Highlights:** Instant business account opening, Business registration, POS terminal requests, Professional invoice generation and sharing, Online payment links, Bulk transfers

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

**In-app purchases:** none


## Frequently asked questions

### Is FirstToken free?

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

### Is Banca By Sterling free?

Banca By Sterling is free to download, with no in-app purchases.

### Which has better reviews, FirstToken or Banca By Sterling?

Banca By Sterling is rated higher. FirstToken averages 2.3 out of 5 from 81 ratings, while Banca By Sterling averages 3.1 from 18 ratings.

### Do FirstToken or Banca By Sterling have ads?

Neither FirstToken nor Banca By Sterling shows ads.

### Which is updated more often, FirstToken or Banca By Sterling?

FirstToken ships an update every 21 months, and Banca By Sterling every 6 weeks. Most recently, FirstToken was updated on September 21, 2026 and Banca By Sterling on September 22, 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.*