Zinger Wallet vs PennyTree
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zinger Wallet
This app simplifies payments by allowing users to scan and pay without cash. It also offers businesses tools to manage staff and customers with integrated analytics.
- Scan-to-pay system
- Staff-link system
- Digital payment processing
- Business analytics
- Customer management
- Staff management
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With our scan-to-pay system combined with our unique staff-link system, you no longer need to bear terrible service or carry cash around. All you need to pay and receive payments is provided here. Our platform also gives businesses manage staff & customers with analytics provided.
PennyTree
This financial app offers a range of services including bank transfers, bill payments, and personal savings vaults with high annual returns. It also provides business banking solutions for merchants, enabling easy payment reception, invoice generation, and real-time bank statements. Additionally, users can invest in brands through a crowdfunding platform.
- Personal savings vaults with high APY
- Bank transfers and bill payments
- Business banking with payment reception
- Invoice and receipt generation
- Crowdfunding investment platform
- Real-time bank statements
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PennyTree is a neo-bank that provides financial services in the most convenient way. You now have access to individual services like bank transfers, bill payments, and personal vaults for savings, where you can earn up to 27% per annum. With the Merchant Services offering, you can open a business banking account with a click of a button, receive payments from clients and vendors, generate invoices and receipts, download a stamped bank statement in real time, and transfer up to NGN5 million daily. What more? We have introduced our Crowdfunding Platform, where you can invest in your favorite brands from as low as NGN5,000 and earn a competitive return on investment.
Screenshots
Verdict
The clearest difference is rating: Zinger Wallet at 4.5 against PennyTree's 3.7. Zinger Wallet also leads on iOS requirement (12.0 vs 14.0). PennyTree's advantage is update cadence (every 2 weeks vs monthly) and ratings volume (9 vs 2). On price, ads, in-app purchases and monetization model 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.
Zinger Wallet holds the better App Store score, 4.5 against 3.7. Both are backed by a comparable volume of ratings — 2 and 9 respectively.
Zinger Wallet ships an update monthly, PennyTree every 2 weeks. Both last shipped on October 22, 2026.
| Parameter | Zinger Wallet | PennyTree |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) — better | 3.7 (9 ratings) |
| Positive reviews | — | 71.4% of reviews |
| Number of ratings | 2 | 9 — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 55 MB | 138 MB |
| Age rating | 4+ | 4+ |
| Developer | Zinger Technologies Ltd. | PennyTree Business Limited |
Customer experience
Zinger Wallet
PennyTree
In-app purchases
Zinger Wallet
No in-app purchases
PennyTree
No in-app purchases
