# PenSmart vs 78 MFB

The clearest difference is rating: 78 MFB at 3.8 against PenSmart's 3.0. 78 MFB also leads on update cadence (every 9 days vs every 5 weeks) and ratings volume (38 vs 1). PenSmart's advantage is iOS requirement (12.0 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

78 MFB holds the better App Store score, 3.8 against 3.0. That said, the two scores are not equally well evidenced: 78 MFB has 38 ratings behind it against 1, so its average is the more settled of the two.

PenSmart ships an update every 5 weeks, 78 MFB every 9 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | PenSmart | 78 MFB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (1 ratings)](https://appshunter.io/ios/app/pensmart/id1448022895/reviews) | **[3.8 (38 ratings)](https://appshunter.io/ios/app/78-mfb/id6470311222/reviews)** |
| Number of ratings | 1 | **38** |
| Positive reviews | — | 52.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 38 MB | 124 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [NLPC PFA](https://appshunter.io/developer/1448022894) | [BLAAIZ INNOVATIONS TECHNOLOGY LTD](https://appshunter.io/developer/1713385154) |

## 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


### 78 MFB

[App page](https://appshunter.io/ios/app/78-mfb/id6470311222)

Manage your finances with a global banking app. Open savings and current accounts, make swift money transfers, and pay bills effortlessly. Schedule payments in advance and handle bulk transactions with ease.

**Highlights:** Savings and Current Accounts, Swift Money Transfers, Effortless Bills Payment, Scheduled Payments, Bulk Payments

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PenSmart free?

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

### Is 78 MFB free?

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

### Which has better reviews, PenSmart or 78 MFB?

78 MFB is rated higher. PenSmart averages 3.0 out of 5 from 1 ratings, while 78 MFB averages 3.8 from 38 ratings.

### Do PenSmart or 78 MFB have ads?

Neither PenSmart nor 78 MFB shows ads.

### Which is updated more often, PenSmart or 78 MFB?

PenSmart ships an update every 5 weeks, and 78 MFB every 9 days. Most recently, PenSmart was updated on October 24, 2026 and 78 MFB on October 25, 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.*