# Remita vs PenSmart

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.

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.

## The numbers

| Metric | Remita | PenSmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (23 ratings)](https://appshunter.io/ios/app/remita/id1234598058/reviews) | [3.0 (1 ratings)](https://appshunter.io/ios/app/pensmart/id1448022895/reviews) |
| Number of ratings | **23** | 1 |
| Positive reviews | 6.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 186 MB | 38 MB |
| Requires iOS | 16.0 | **12.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Systemspecs Limited](https://appshunter.io/developer/1234598057) | [NLPC PFA](https://appshunter.io/developer/1448022894) |

## What reviewers say

### Remita

[App page](https://appshunter.io/ios/app/remita/id1234598058)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


### PenSmart

[App page](https://appshunter.io/ios/app/pensmart/id1448022895)

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.

**Highlights:** Pension fund administration, Retirement benefit payments, Compliance with Pension Reform Act 2014, Financial future planning, Client-focused services

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Remita free?

Remita is free to download, with no in-app purchases.

### Is PenSmart free?

PenSmart is free to download, with no in-app purchases.

### Which has better reviews, Remita or PenSmart?

Remita and PenSmart are both rated 3.0 out of 5 on the App Store, from 23 and 1 ratings respectively.

### Do Remita or PenSmart have ads?

Neither Remita nor PenSmart shows ads.

### Which is updated more often, Remita or PenSmart?

Remita ships an update every 5 days, and PenSmart every 5 weeks. Most recently, Remita was updated on October 10, 2026 and PenSmart on October 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*