GT eToken Reviews

GT eToken Reviews

Published by on 2026-04-14

🏷️ About: GT eToken Application Description (About this app) The GT eToken is a mobile application for generating One Time Passwords (OTPs) used in authenticating electronic transactions. A one-time password (OTP) is a secure and automatically generated string of characters that authenticates the user for login and/or electronic transaction completion.


       


Overall Customer Experience 😎


🫥 Neutral
50.0%

🤬 Negative experience
33.3%

😎 Positive experience
16.7%

~ from Justuseapp.com NLP analysis of 90 combined software reviews.

Is GT eToken Safe?
GT eToken appears generally safe, but use with caution.
33.3/100

  Safety Analysis »»

Is GT eToken Legit?
GT eToken appears legitimate, though exercise caution.
133.3/100



Read 30 Customer Service Reviews 😠💢

1.8 out of 5
Very very bad and Rude customer service

It is very sad that you treat customers with no amount of seriousness. I happen to be out of the country and lost my token I have been on and off calls with your customer care agents on activating a soft token the codes they give end up not working and poping different error codes and I have been waiting from one 24hours to another if one cannot control his banks from wherever he is in the world then what's the use of having the mobile banking apps and all. I was taking to one agent this morning he hung up on me

Cannot click on OTP button

The Generate OTP button appears at bottom of screen and overlaps with other icons. There is no way to select it. If you try to click on it, it automatically selects one of the icons. Does not work — please fix.

GT E-TOKEN

This bank app is not useful at all. It freezes and you have to keep downloading all the time. This is very frustrating. I’m sure the bank can do better.

Bad app

Most useless app. It worked once and never work again requested you to reactivate but never reactivated.

Terrible App

I used to like GTB, but it’s really sad how they’ve fallen from grace to grass in the past few years. I can’t even confidently login with the home of completion. I’ve have my final straw though, next time I get to Nigeria, I’m definitely ditching them.

E-Token not working

Just as it was several months back etoken refused to work . Deleted several times and reinstalled yet not working.
Error received from GTeToken ? Otp can not validate my email.

Difficulties logging back in.

Old version works better than the updated one, I made a mistake updating GTeToken and now, I’ve been unable to log back in, it keeps telling me FAILED which is so frustrating. You guys need to fix this error.

Updates scrub all login information

Every update scrubs off the previous log in codes and you have to keep calling/emailing the provider for those codes which requires a video call for identification.

It makes no sense updates can’t occur while simultaneously preserving your prior log in information like every other app does.

Useless Update

This is the worst update… The older version was better… Because of the update I don’t do transactions anymore on my account… Always 1 issue or the other, if it is not login issue, it is server issue, if it not server issue, it is another…. If only there is a star lower than 1 star. GTeToken deserves it

Pure trash.

You all need to do Better. like what is this token for, if it will never get to work.

Did you even test this?

It can't generate a useful token. I always have to use the hardware token. What's the point.

Most useless app and clueless IT team!

If you can not get a simple app to run efficiently for several months, I wonder what else you can get right as a bank and IT teams.

Stop making my life difficult

I was asked to update my app, after updating I am unable to set it up or get customer care representative on phone. I am spending so much $ on calls to get no answer. This is really frustrating. Am I not supposed to be able to access my bank accounts anywhere in the world? Do something about GTeToken it doesn’t work

Service is bad

GTbank is getting worst by day. Your e-Token app automatically remove log in and now requesting for a new authorization code, meaning that someone need to call your customer service again and bla bla bla. Make apps that works for people outside Nigeria.

This bank and app is extremely useless !!

This bank is absolutely terrible. My app automatically deleted its self and I’ve not been able to get into GTeToken for the past 2weeks. I’ve called customer service line multiple times and I’ve not been able to speak to one person. They aren’t replying my emails either and my money is just stuck there. I’m not able to send money to my family enters back home for the holidays. Everything about it is terrible. At this point, I’m trying to close my account and even that has been an issue.

MOST USELESS APP I HAVE EVER SEEN

Nothing wrong with my old etoken. Wanted to use it yesterday and was asked to reactivate again. I called customer service and they told me GTeToken has been updated and needed to be reactivated. Well, the useless thing would not work. I was on the phone back and forth about 3 hrs and spoke to 4 customer service reps (nice and respectful people) but unfortunately, they couldn’t get GTeToken to work. I have money in my account to give people for Xmas but unfortunately, GTB almost blocked this by their useless app. I had to resort to using other app to send money directly into my folks’ accounts. I am out of the country and as it stands now, I guess I’m done with Nigerian banks.

E-Token Upgrade Failure

The upgrade on GTeToken has stopped it from working and GTconnect cannot be reached for days now to send an activation code! Why can’t upgrades be integrated with the existing user information??? This is inconvenient for users to have to live in fear of upgrades and whilst I would normally recommend GT to diaspora Nigerians as the best for timely response, this has proved me wrong!

Version 3.0.1 is useless

The previous version was working fine for me. The latest update has the Generate OTP button on top of the menu links. Trying to activate the button activates the menu link instead. Fix this and you get a 5-star rating.

App has bugs

GTeToken doesn’t open.

Delete this app

Not working when otp failed to get verified

Cannot verify

Ever since I downloaded this token app, I have not been able to verify and setup. When I enters the OTP, it will just be buffering.

App not working

GT bank really needs to get it together,
Scrap this token system and get a better and functional system easy for customers to use. Can’t wait to close my account.

Crap

This is a crappy app. I wish there is something less than 1 star. Just take GTeToken down and bring back hardware token. I have been having issues getting money out of my account because I’m currently out of the country. I was excited at first with the e-token only to find out that it’s a facade of an app. Please work on it or take it down.

Review

Terrible app, how can it fail with correct information. Please update app or don’t suggest it online as it’s a waste of time. To struggle for a week to use ur own money is a shame.

Time consuming and frustrating

Very useless app, I kept getting different error codes

New update is SLOW!

Older update to the token app was super fast. You open it and it launches, authenticate with FaceID and you are in.

The new update is so much slower. Takes about 15-20 seconds to load. Please try speed it up as before with next update.

Thanks.

Works 10% of the time you needs it

There’s usually something wrong most times you need to use it, and it wastes 3 minutes. Always something about error with code. This is a downgrade for GTBank’s status

THE APP WORKED FINE

I was having a problem logging into my account, so I had to reach out to the customer support; they went above and beyond to help me get started. Everything took less than 15 seconds and I’m up and running again! GTbank is the best!!!!

Works fine

I opened an account while in Nigeria. I’m now back home in the states and unable to receive OTP or tokens. GTeToken helped me to receive OTP and tokens. Definitely worth the download!

Best experience

At first I regretted using the soft token because of technical glitches, so I reached out to the gt developer via email. They took their time to make sure the issue is fixed. I prefer the soft token than the hard token. So easy to use.



Is GT eToken Safe? 🙏

GT eToken appears generally safe, but use with caution. JustUseApp Safety Score for GT eToken is 33.3/100.
This assessment is based on our NLP analysis of 90 user reviews. Combined with the app store average rating of 1.8/5.

Safety Analysis

79.1% of users say app is risky 🚨
79.1%

16.4% of users say app is safe 👍
16.4%

4.5% of users have some concerns ⚠️
4.5%


Is GT eToken Legit? 💯

GT eToken appears legitimate, though exercise caution. Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for GT eToken is 133.3/100 .
This conclusion is based on analysis of 90 user reviews.

🔏 Privacy & Data Safety

GT eToken collected the following data from you:

  • Data Linked to You:
    • Financial Info
    • Location
    • Contact Info
    • Contacts
    • Identifiers
  • Data Not Linked to You:
    • Diagnostics



How was your experience with GT eToken? Post a Review




Features

To activate your GT eToken app, select your customer type and choose your preferred activation method, which can be the use of your Bank card, Hardware Token or by calling contact center to get an authorization code.

Electronic transactions include (but may not be limited to) web, internet banking and mobile banking transactions, where you are required to enter a 6-digit token-generated code.

A one-time password (OTP) is a secure and automatically generated string of characters that authenticates the user for login and/or electronic transaction completion.

The GT eToken is a mobile application for generating One Time Passwords (OTPs) used in authenticating electronic transactions.

A one-time password (OTP) generated from your GT eToken App can be used as an alternative to or alongside the GTBank hardware token device.

  Contact Support
Developer:
Guaranty Trust Bank PLC


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