# FirstToken vs EndowPay

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.

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.

## The numbers

| Metric | FirstToken | EndowPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (84 ratings)](https://appshunter.io/ios/app/firsttoken/id982312846/reviews) | **[3.0 (2 ratings)](https://appshunter.io/ios/app/endowpay/id6753772231/reviews)** |
| Number of ratings | **84** | 2 |
| Positive reviews | 12.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 11 days** |
| Monetization | Free | Free |
| Size | 11 MB | 57 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [EndowPay](https://appshunter.io/developer/1844938467) |

## 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


### EndowPay

[App page](https://appshunter.io/ios/app/endowpay/id6753772231)

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.

**Highlights:** 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

**In-app purchases:** none


## Frequently asked questions

### Is FirstToken free?

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

### Is EndowPay free?

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

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

EndowPay is rated higher. FirstToken averages 2.3 out of 5 from 84 ratings, while EndowPay averages 3.0 from 2 ratings.

### Do FirstToken or EndowPay have ads?

Neither FirstToken nor EndowPay shows ads.

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

FirstToken ships an update every 14 months, and EndowPay every 11 days. Most recently, FirstToken was updated on October 11, 2026 and EndowPay on October 6, 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.*