# PennyTree vs KuleanPay

The clearest difference is rating: KuleanPay at 4.8 against PennyTree's 3.7. KuleanPay also leads on iOS requirement (12.0 vs 14.0). PennyTree's advantage is update cadence (every 2 weeks vs every 6 weeks). On price, ratings volume, 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.

KuleanPay holds the better App Store score, 4.8 against 3.7. Both are backed by a comparable volume of ratings — 9 and 8 respectively.

PennyTree ships an update every 2 weeks, KuleanPay every 6 weeks. Both last shipped on October 5, 2026.

## The numbers

| Metric | PennyTree | KuleanPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (9 ratings)](https://appshunter.io/ios/app/pennytree/id1602953102/reviews) | **[4.8 (8 ratings)](https://appshunter.io/ios/app/kuleanpay/id1659853273/reviews)** |
| Number of ratings | **9** | 8 |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 138 MB | 63 MB |
| Requires iOS | 14.0 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PennyTree Business Limited](https://appshunter.io/developer/1602953104) | [COMPUTER WAREHOUSE GROUP PLC](https://appshunter.io/developer/1387491486) |

## 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


### KuleanPay

[App page](https://appshunter.io/ios/app/kuleanpay/id1659853273)

This app provides a secure and transparent financial platform for individuals and businesses. It facilitates secure transactions with escrow, digital banking, and merchant payment collection. Manage disbursements with a clear overview of funds.

**Highlights:** Secure escrow for buying and selling, Digital banking for instant transactions, Merchant payment collection with custom links, Disbursement management with milestone tracking, In-app chat for transaction communication

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PennyTree free?

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

### Is KuleanPay free?

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

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

KuleanPay is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while KuleanPay averages 4.8 from 8 ratings.

### Do PennyTree or KuleanPay have ads?

Neither PennyTree nor KuleanPay shows ads.

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

PennyTree ships an update every 2 weeks, and KuleanPay every 6 weeks. Most recently, PennyTree was updated on October 5, 2026 and KuleanPay on October 5, 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.*