PennyTree vs ZojaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Read full descriptionHide full description
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.
ZojaPay
This app simplifies peer-to-peer payments and cash access for the retail market. It allows users to request cash delivery, become mobile money agents to earn passive income, and pay bills. Secure transactions and QR code payments are also supported.
- Cash delivery requests
- Become a mobile money agent
- Earn passive income
- Purchase and settle bills
- QR code payments
- Secure transactions
Read full descriptionHide full description
ZojaPay is a peer-2-peer financial inclusion application that simplifies payment by making access to cash easy for the retail market. ZojaPay currently does this by empowering the following transaction model: - Cash Request: Users can request fro cash to be delivered to their desired location at the same local rate obtainable for normal agency banking withdrawal. Requests are automatically paired with providers around the user's location for the delivery to be done - Fast Agency Setup: Users looking to make quick cash can easily switch to the cash provider mode and they instantly become a mobile money agent to be automatically paired to cash requests for delivery around their location. These users also get to keep 70% of all revenue made on each transaction as passive income. Starting up a POS mobile money agent has never been easier than this. - Bills: Users can purchase bills and settle utilities right from their app from our range of bills at very cheap and affordable rates. - Security: We have privacy policies in place that places the security of our users and their properties as top priority. - QR Pay: With this feature, users can easily generate and share fund via QR to facilitate payments, giveaways or any distant payment function. We currently have an ongoing referral promo where users can earn N100 on every user referred to download and use the app. You follow us on Facebook,Instagram, Twitter, LinkedIn and YouTube - @zojapay Privacy Policy: https://zojapay.com/privacy Terms & Conditions: https://zojapay.com/terms-and-condition
Screenshots
Verdict
The clearest difference is rating: ZojaPay at 4.5 against PennyTree's 3.7. ZojaPay also leads on review sentiment (100% vs 71%) and ratings volume (43 vs 9). PennyTree's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ZojaPay holds the better App Store score, 4.5 against 3.7. Both are backed by a comparable volume of ratings — 9 and 43 respectively. Written reviews point the same way: 71% of PennyTree's written reviews are positive against 100% of ZojaPay's.
PennyTree ships an update every 2 weeks, ZojaPay every 3 weeks. The most recent releases landed on October 22, 2026 and October 30, 2026 respectively.
| Parameter | PennyTree | ZojaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) | 4.5 (43 ratings) — better |
| Positive reviews | 71.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 9 | 43 — better |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 138 MB | 122 MB |
| Age rating | 4+ | 4+ |
| Developer | PennyTree Business Limited | Zoja Technologies Limited |
Customer experience
PennyTree
ZojaPay
In-app purchases
PennyTree
No in-app purchases
ZojaPay
No in-app purchases
