# PennyTree vs ZojaPay

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.

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.

## The numbers

| Metric | PennyTree | ZojaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (9 ratings)](https://appshunter.io/ios/app/pennytree/id1602953102/reviews) | **[4.5 (43 ratings)](https://appshunter.io/ios/app/zojapay/id1638399129/reviews)** |
| Number of ratings | 9 | **43** |
| Positive reviews | 71.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 138 MB | 122 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PennyTree Business Limited](https://appshunter.io/developer/1602953104) | [Zoja Technologies Limited](https://appshunter.io/developer/1637453081) |

## What reviewers say

### PennyTree

[App page](https://appshunter.io/ios/app/pennytree/id1602953102)

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.

**Highlights:** 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

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

**In-app purchases:** none


### ZojaPay

[App page](https://appshunter.io/ios/app/zojapay/id1638399129)

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.

**Highlights:** Cash delivery requests, Become a mobile money agent, Earn passive income, Purchase and settle bills, QR code payments, Secure transactions

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

**In-app purchases:** none


## Frequently asked questions

### Is PennyTree free?

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

### Is ZojaPay free?

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

### Which has better reviews, PennyTree or ZojaPay?

ZojaPay is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while ZojaPay averages 4.5 from 43 ratings.

### Do PennyTree or ZojaPay have ads?

ZojaPay shows ads; PennyTree does not.

### Which is updated more often, PennyTree or ZojaPay?

PennyTree ships an update every 2 weeks, and ZojaPay every 3 weeks. Most recently, PennyTree was updated on October 22, 2026 and ZojaPay on October 30, 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.*