Comparison

Remita vs Penpay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read 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.

About

Penpay

Features
Read full description

Penpay offers dedicated support for all types of pension payments. You can do the following on our platform: - Fund your pension account - Fund someone else’s pension account (this could be your staff or even your friend). You can pay on a one-off or recurring basis. You can make payment through the following methods: - USSD - Card (local and international cards are accepted) - Virtual account transfer Etc. All you need is your RSA pin (you can enroll if you do not have one yet).

Screenshots

Remita4 screens
Penpay4 screens

Verdict

The call

The clearest difference is update cadence: Remita at every 5 days against Penpay's monthly. On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Remita ships an update every 5 days, Penpay monthly. The most recent releases landed on October 10, 2026 and October 2, 2026 respectively.

Scorecard1 real difference · 9 level
Remita versus Penpay: the parameters behind the verdict, then further details
ParameterRemitaPenpay
PriceFreeFree
Rating3.0 (23 ratings) — better—
Positive reviews6.7% of reviews—
Number of ratings23 — better—
Update frequencyEvery 5 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size186 MB36 MB
Age rating4+4+
DeveloperSystemspecs LimitedAwabah LTD

In-app purchases

None

Remita

No in-app purchases

None

Penpay

No in-app purchases

Questions

Is Remita free?
Remita is free to download, with no in-app purchases.
Is Penpay free?
Penpay is free to download, with no in-app purchases.
Do Remita or Penpay have ads?
Neither Remita nor Penpay shows ads.
Which is updated more often, Remita or Penpay?
Remita ships an update every 5 days, and Penpay monthly. Most recently, Remita was updated on October 10, 2026 and Penpay on October 2, 2026.

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