Remita vs PenSmart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Remita
Manage your finances with ease. Send money to Nigerian and African banks, pay bills, book flights, and top up airtime. Track expenses, set budgets, and automate recurring payments. Facilitates group payments and contactless transactions.
- Money transfers to Nigerian and African banks
- Bill payments (electricity, TV, school fees)
- Flight booking and comparison
- Airtime and data top-up
- Consolidated bank account view
- Budgeting and expense tracking
- Automated recurring payments
- QR code payments
Read full descriptionHide full description
Send Money Anywhere: Transfer to all Nigerian banks, including microfinance banks and wallets, plus send to banks across Africa. Pay Bills Easily: Electricity, water, Pay TV, school fees, insurance, government agencies and more. Book Flights: Search, compare, book, and pay for local and international flights. Top Up Airtime & Data: Recharge for yourself, others, or multiple beneficiaries instantly. View All Your Accounts: See balances across all your profiled bank accounts on one screen. Budget & Track Expenses: Plan ahead and spend wisely. Recurring Payments: Never miss any time-bound payment again! Simply automate it with Remita. Split Bills: Super easy way to pull funds together for a common purpose-hangout, support for a friend, project, etc. Snap or Tap to Pay: Scan QR codes or tap to complete payments at shops, schools, restaurants, and more. Business Ready: Review and securely authorise payments for SME, businesses, SME, NGOs, faith institutions, governments and others on the go.
PenSmart
This app provides pension fund administration services in Nigeria. It is licensed to manage pensions and disburse retirement benefits according to the Pension Reform Act 2014, aiming to offer clients hope for a secure financial future.
- Pension fund administration
- Retirement benefit payments
- Compliance with Pension Reform Act 2014
- Financial future planning
- Client-focused services
Read full descriptionHide full description
NLPC Pensions (NLPC PFA) is the home of tested, trusted and effective pension fund administration in Nigeria. Licensed to administer pensions and pay retirement benefits in accordance with the Pension Reform Act 2014, we delight our clients by creating hope for a better and brighter tomorrow.
Screenshots
Verdict
The clearest difference is update cadence: Remita at every 5 days against PenSmart's every 5 weeks. Remita also leads on ratings volume (23 vs 1). PenSmart's advantage is iOS requirement (12.0 vs 16.0). On price, rating, ads and in-app purchases 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.
On the App Store both sit at effectively the same score — 3.0 for Remita against 3.0 for PenSmart. That said, the two scores are not equally well evidenced: Remita has 23 ratings behind it against 1, so its average is the more settled of the two.
Remita ships an update every 5 days, PenSmart every 5 weeks. The most recent releases landed on October 10, 2026 and October 7, 2026 respectively.
| Parameter | Remita | PenSmart |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (23 ratings) | 3.0 (1 ratings) |
| Positive reviews | 6.7% of reviews | — |
| Number of ratings | 23 — better | 1 |
| Update frequency | Every 5 days — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 186 MB | 38 MB |
| Age rating | 4+ | 4+ |
| Developer | Systemspecs Limited | NLPC PFA |
Customer experience
Remita
PenSmart
In-app purchases
Remita
No in-app purchases
PenSmart
No in-app purchases
