# PenSmart vs Quick Collect

The clearest difference is rating: Quick Collect at 4.7 against PenSmart's 3.0. Quick Collect also leads on ratings volume (53 vs 1). PenSmart's advantage is iOS requirement (12.0 vs 15.0). On price, update cadence, 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.

Quick Collect holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: Quick Collect has 53 ratings behind it against 1, so its average is the more settled of the two.

PenSmart ships an update every 5 weeks, Quick Collect every 3 weeks. The most recent releases landed on October 7, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | PenSmart | Quick Collect |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (1 ratings)](https://appshunter.io/ios/app/pensmart/id1448022895/reviews) | **[4.7 (53 ratings)](https://appshunter.io/ios/app/quick-collect-transfer-app/id1546734708/reviews)** |
| Number of ratings | 1 | **53** |
| Positive reviews | — | 86.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 38 MB | 104 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NLPC PFA](https://appshunter.io/developer/1448022894) | [12516683 Canada inc](https://appshunter.io/developer/1546734710) |

## What reviewers say

### 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


### Quick Collect

[App page](https://appshunter.io/ios/app/quick-collect-transfer-app/id1546734708)

Send money internationally and exchange currencies with ease. This app offers a secure and convenient way to transfer funds across borders, supporting multiple currencies and destinations like Canada, the US, Nigeria, and Europe. Enjoy transparent rates and avoid hidden fees for a seamless financial experience.

**Highlights:** Cross-border fund transfers, Multi-currency wallets, Transparent currency exchange, Bank account and mobile money transfers, Bulk transfers and tuition payments, Zero fee transfers

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast transfers
- 👍 Easy to use
- ⭐ Excellent rates
- 😍 Seamless transactions
- 💯 Reliable service

**What reviewers complain about**

- ⏳ Slow money deposits
- ⚠️ Account access issues
- 😞 Worst customer service
- ❓ Unclear refund process
- 🚫 App banned/blocked without reason

**Reported bugs**

- Cannot log in
- App not funded after transfer
- Account banned/blocked
- Unable to upload ID
- App stopped working

**Requested features**

- Improve speed of money deposits
- More responsive customer support
- Clearer refund process


## Frequently asked questions

### Is PenSmart free?

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

### Is Quick Collect free?

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

### Which has better reviews, PenSmart or Quick Collect?

Quick Collect is rated higher. PenSmart averages 3.0 out of 5 from 1 ratings, while Quick Collect averages 4.7 from 53 ratings.

### Do PenSmart or Quick Collect have ads?

Neither PenSmart nor Quick Collect shows ads.

### Which is updated more often, PenSmart or Quick Collect?

PenSmart ships an update every 5 weeks, and Quick Collect every 3 weeks. Most recently, PenSmart was updated on October 7, 2026 and Quick Collect on October 16, 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.*