PennyTree vs Zikora
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
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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.
Zikora
Manage your finances with this banking app. Easily transfer funds, purchase airtime and data, and set aside savings. It offers a secure and convenient way to handle your money on the go.
- Money transfers
- Airtime purchase
- Data plan recharge
- Savings features
- Secure banking
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Zikora makes everyday banking simple, convenient, and accessible. Manage your money, make payments, transfer funds, and stay in control of your finances—all from your mobile device. With Zikora, you can: Send and receive money with ease Transfer funds to bank accounts Manage your Zikora account View your account balance and transaction history Make payments conveniently Manage your beneficiaries Stay updated with your transactions Enjoy a simple, secure, and intuitive banking experience Whether you're sending money, making payments, or keeping track of your finances, Zikora gives you the tools you need to manage your banking on the go. Bank smarter. Bank simpler. Bank with Zikora.
Screenshots
Verdict
The clearest difference is rating: Zikora at 4.4 against PennyTree's 3.7. PennyTree's advantage is iOS requirement (14.0 vs 16.0). On price, ratings volume, update cadence and ads 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.
Zikora holds the better App Store score, 4.4 against 3.7. Both are backed by a comparable volume of ratings — 9 and 5 respectively.
PennyTree ships an update every 10 days, Zikora weekly. The most recent releases landed on August 12, 2026 and September 24, 2026 respectively.
| Parameter | PennyTree | Zikora |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) | 4.4 (5 ratings) — better |
| Positive reviews | 71.4% of reviews | — |
| Number of ratings | 9 — better | 5 |
| Update frequency | Every 10 days | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 14.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 138 MB | 113 MB |
| Age rating | 4+ | 4+ |
| Developer | PennyTree Business Limited | Zikora Bank Ltd |
Customer experience
PennyTree
Zikora
In-app purchases
PennyTree
No in-app purchases
Zikora
No in-app purchases
