175 reviews
Content rating
Everyone
10K+
Downloads
Content rating
Everyone
Learn more
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About this app

PennyTree is a neo-bank that provides financial services in the most convenient way. You now have access to individual services like bank transfers, bill payments, and personal vaults for savings, where you can earn up to 27% per annum.

With the Merchant Services offering, you can open a business banking account with a click of a button, receive payments from clients and vendors, generate invoices and receipts, download a stamped bank statement in real time, and transfer up to NGN5 million daily.

What more? We have introduced our Crowdfunding Platform, where you can invest in your favorite brands from as low as NGN5,000 and earn a competitive return on investment.
A Digital Bank connecting businesses and individuals
Updated on
Jul 24, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • No data shared with third parties
    Learn more about how developers declare sharing
  • This app may collect these data types
    Photos and videos and Device or other IDs
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

175 reviews
Ezekiel Olaniyan
December 22, 2021
I like that this app is user friendly. It doesn't consume much data to download and I was able to set up my account in less than 3 mins. The customer support is also phenomenal and I'm just happy I can save, lock and transfer funds without extra charges. Xmas came early for me because PennyTree got me a full live Christmas Chicken and I've been able to make about $20 just by telling people about it. It is an app highly recommended for those looking to keep track of their finances moving forward
23 people found this review helpful
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PennyTree Inc.
December 29, 2021
Thank you so much for your review!
EZEKIEL EZICHI
September 3, 2026
My experience with this app has not been smooth, because the liveness check verification process is giving me serious issues. My neck dey pain me bcos of "turn left"/"turn right"/look up"😁. Please, fix it!
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Thiago Yami
June 2, 2026
Easy to use and straightforward. Unlimited free transfers make it the best.
2 people found this review helpful
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What’s new

- Improved onboarding process
- General performance improvements and bug fixes to improve overall app stability.