# Penicent — Bill Payments, swift transact

> Bill Payments, swift transact (iPhone/iPad app by PAYGITAL GATEWAY SERVICES LTD.)

- Source: https://appshunter.io/ios/app/penicent/id6757396074 (this page in markdown: same URL + `.md`)
- Developer: [PAYGITAL GATEWAY SERVICES LTD](https://appshunter.io/developer/1866609075)
- Category: Finance, Productivity
- Price: Free
- Age rating: 12+
- Requires: iOS 15.1 · 53 MB
- Languages: English
- Released: 2026-01-08
- Data updated: 2026-06-29
- User reviews in markdown: https://appshunter.io/ios/app/penicent/id6757396074/reviews.md

## What is Penicent?

PENICENT

Global payments & Financial Tools in one App

Penicent helps individuals and businesses move money globally, manage finances, and access modern payment tools — all from one seamless app. Products available depend on where you live. Check Penicent.com or download the app to see what's available for you. 

Send money internationally, manage multiple currencies, make secure payments, receive payments like a local, pay bills (airtime, data, TV, electricity, etc.) and stay in control of your finances with a fast, transparent, and easy-to-use experience designed for today’s connected world. 

SEND & RECEIVE MONEY GLOBALLY 
Move money across borders quickly and conveniently.
- Send and receive international payments
- Fast transfers with transparent pricing
- Hold and manage multiple currencies 
- Easy payments for friends, family, freelancers, and businesses
- Real-time payment updates and notifications 

Why users love Penicent:
- Save money on international transfer fees
- Avoid delays from traditional banking systems
- Access global payments from your phone 
- Simple experience designed for modern users
- Regular cash back on every transactions
- Earn With Me, giving users opportunities to invite others, and get rewarded.

SMART MONEY MANAGEMENT 
Everything you need to manage your finances in one place. 
- Track spending and transactions instantly
- Organise payments and subscriptions
- Create savings goals and budgets
- Secure virtual payment cards
- Simple and intuitive financial tools

 Benefits:
- Better visibility into your money
- Smarter spending insights 
- Faster financial decisions 
- More control over everyday finances
 
BUILT FOR MODERN BUSINESSES 
Powerful tools to help businesses operate globally. 
- Receive payments from customers worldwide
- Simplify cross-border business payments
- Manage payouts and team expenses 
- Access payment integrations and developer tools 
- Designed for startups, creators, freelancers, and global teams

Business advantages: 
- Reach customers internationally 
- Reduce payment friction across borders 
- Streamline operations and collections 
- Scale globally from one platform 

SECURITY YOU CAN TRUST
Penicent uses advanced security technology and trusted financial infrastructure partners to help keep your account and transactions secure. 
- Encrypted transactions and data protection 
- Identity verification and fraud prevention
- Biometric login support
- 24/7 in-app support

Peace of mind: 
- Secure access to your account 
- Protected transactions and payments 
- Reliable infrastructure and monitoring 

FINANCE WITHOUT LIMITS
Whether you’re sending money internationally, managing business payments, or handling everyday finances, Penicent gives you modern financial tools designed for a global world. With Penicent, you can: 
- Move money faster & earn rewards 
- Simplify international payments
- Manage finances from anywhere
- Support global business growth
- Access modern financial tools in one app

Download Penicent today


## Version history (last 5 releases)

### 1.2.3 — 2026-06-13

Little style fixes

### 1.2.2 — 2026-06-08

New style fixes

### 1.2 — 2026-05-12

New style fixes

### 1.1 — 2026-02-12

Enhanced functionality and an improved design for a better overall experience.

### 1.0 — 2026-01-08

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-29.*