FirstToken vs EndowPay
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.
EndowPay
This app simplifies daily financial transactions, allowing users to manage payments, bills, and gift cards from a single platform. It offers instant mobile top-ups, bill payments, and secure gift card management for convenience.
- Instant airtime and mobile data top-ups
- Hassle-free electricity and cable TV bill payments
- Secure betting account funding
- Easy gift card sending and redemption
- Single app for transport payments
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EndowPay – Your All-in-One Digital Wallet for Everyday Payments EndowPay is a fast, secure, and reliable Nigerian fintech app designed to simplify your daily payments. With just a few taps, you can manage all your essential transactions in one place. - Top up airtime & buy mobile data instantly - Pay electricity & cable TV bills without hassle - Fund betting accounts securely - Send and redeem gift cards with ease - Pay for transport & more from a single app Whether you’re recharging your phone, paying household bills, or sending a quick gift, EndowPay gives you the convenience, speed, and security you need. Take control of your payments today — download EndowPay and experience stress-free transactions anytime, anywhere.
Screenshots
Verdict
The clearest difference is rating: EndowPay at 3.0 against FirstToken's 2.3. EndowPay also leads on update cadence (every 11 days vs every 14 months). FirstToken's advantage is ratings volume (84 vs 2). 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.
EndowPay holds the better App Store score, 3.0 against 2.3. That said, the two scores are not equally well evidenced: FirstToken has 84 ratings behind it against 2, so its average is the more settled of the two.
FirstToken ships an update every 14 months, EndowPay every 11 days. The most recent releases landed on October 11, 2026 and October 6, 2026 respectively.
| Parameter | FirstToken | EndowPay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (84 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 12.5% of reviews | — |
| Number of ratings | 84 — better | 2 |
| Update frequency | Every 14 months | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.6 |
| Further details — not scored | ||
| Size | 11 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | First Bank of Nigeria Limited | EndowPay |
Customer experience
FirstToken
EndowPay
In-app purchases
FirstToken
No in-app purchases
EndowPay
No in-app purchases
