Fidelity Mobile Banking vs Fidelity Token
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fidelity Mobile Banking
Access your bank accounts on your iPhone to check balances, view transactions, and transfer funds. Securely pay bills, find nearby branches, and deposit checks remotely.
- Check account balances
- View recent transactions
- Transfer money
- Pay bills
- Find locations
- Deposit checks
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The Fidelity Bank mobile app provides simple but powerful anytime account management from your smartphone or tablet. Features: - View real-time account balances and transaction history - Easily deposit checks from your device with Mobile Deposit - Manage your Fidelity Bank Visa® Debit Card with Card Manager - Transfer funds between Fidelity Bank accounts and other financial institutions - Make loan payments - Pay bills, view and modify pending payments, and more
Fidelity Token
Secure your online banking transactions with a mobile app that acts as a second factor for authentication. Verify fund transfers, bill payments, and recharges directly on your iOS device, eliminating the need for a physical hardware token. This app provides an easy and fast way to confirm transaction details and complete them with a secure One Time Passcode.
- Second factor authentication
- Verify online transactions
- Eliminates hardware tokens
- One Time Passcode (OTP)
- Easy PIN input for OTP
- Copy and paste OTP
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Fidelity Token is an innovative mobile app for second factor authentication that enables Fidelity Online Banking users secure all transactions using their iOS devices. This eliminates the need to carry a hardware token. VERIFY TRANSACTIONS Guard yourself when transacting online by confirming your transactions such as: fund transfer, bills payment, airtime recharge etc. right on your mobile application. Confirm the details and enter your secure, One Time Passcode (OTP) to complete the transaction. ACTIVATING YOUR SOFT TOKEN To activate the Fidelity Token, simply login to the Fidelity Token app with your Fidelity Online Banking credentials. Once logged in, the app will authenticate your mobile phone and also request that you provide answer to any of your secret questions. EASE OF USE, SPEED OF TRANSACTION Fidelity Token has been uniquely designed as an easy solution for your transactions. All you need is to input your PIN and the one time password is available instantly to complete your transactions. If you are using the Fidelity Online Banking app, you can easily copy the eight digit token response and paste as required. INFORMATION AND CUSTOMER SERVICE When activating your token for the first time, you will be charged N1,500 + 5% VAT. However this is a one-time charge for your token in line with the Central Bank of Nigeria’s directive. Subsequent reinstallation or reactivation will be free of charge. For more information, please call True Serve on +234 1 448 5252 or email True.Serve@fidelitybank.ng. Copyright © Fidelity Bank Plc. 2016. All rights reserved. Fidelity Token is a trademark of Fidelity Bank Plc.
Screenshots
Verdict
The clearest difference is rating: Fidelity Mobile Banking at 4.8 against Fidelity Token's 2.4. Fidelity Mobile Banking also leads on review sentiment (43% vs 4%) and monetization model (ad-supported vs paid). Fidelity Token's advantage is ads (none vs shown) and iOS requirement (13.0 vs 15.1). On price, update cadence, in-app purchases and device support 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.
Fidelity Mobile Banking holds the better App Store score, 4.8 against 2.4. That said, the two scores are not equally well evidenced: Fidelity Mobile Banking has 1.2K ratings behind it against 56, so its average is the more settled of the two. Written reviews point the same way: 43% of Fidelity Mobile Banking's written reviews are positive against 4% of Fidelity Token's.
Fidelity Mobile Banking ships an update every 4 months, Fidelity Token every 3 months. The most recent releases landed on November 11, 2026 and November 2, 2026 respectively.
| Parameter | Fidelity Mobile Banking | Fidelity Token |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.2K ratings) — better | 2.4 (56 ratings) |
| Positive reviews | 43.5% of reviews — better | 3.7% of reviews |
| Number of ratings | 1.2K — better | 56 |
| Update frequency | Every 4 months | Every 3 months — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported — better | Paid |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 225 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | The Fidelity Deposit & Discount Bank | Fidelity Bank Plc |
Customer experience
Fidelity Mobile Banking
Fidelity Token
Bugs and requests
Fidelity Mobile Banking
Reported bugs
3 issues- Constant need to reset passwords
- Face ID/biometric login not working consistently
- App crashing or freezing on launch
Requested features
3 requests- Improve password management and login reliability
- Enhance app stability and reduce crashes
- Provide better in-app support and troubleshooting
Fidelity Token
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Fidelity Mobile Banking
No in-app purchases
Fidelity Token
No in-app purchases
Questions
Is Fidelity Mobile Banking free?
Is Fidelity Token free?
Which has better reviews, Fidelity Mobile Banking or Fidelity Token?
Do Fidelity Mobile Banking or Fidelity Token have ads?
Which is updated more often, Fidelity Mobile Banking or Fidelity Token?
Other comparisons
