4.1
148 reviews
Content rating
Everyone
10K+
Downloads
Content rating
Everyone
Learn more
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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.
Updated on
Apr 27, 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

4.1
148 reviews
Moronkeji Blessing
March 15, 2026
just a app built for secondary school students practical the interface is trash ans doesn't look like what is being advertised go and advanced your app most features are not working at all
1 person found this review helpful
Did you find this helpful?
Ozo
April 27, 2026
they are scammers oh even without doing any transaction for the month I still exceed limit even to recharge
Did you find this helpful?
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
20 people found this review helpful
Did you find this helpful?
PennyTree Inc.
December 29, 2021
Thank you so much for your review!

What’s new

🎉 What’s New? Referral Rewards Are Here! 🎉

Sharing just got more rewarding 💸

Invite your friends to join and start earning when they sign up through your referral code. The more you share, the more you earn 🚀

✨ How it works:
🔗 Share your referral code
👥 Friends join using your code
💰 You earn rewards

Start referring today and turn your network into rewards!