# PennyTree vs Zikora

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.

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.

## The numbers

| Metric | PennyTree | Zikora |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (9 ratings)](https://appshunter.io/ios/app/pennytree/id1602953102/reviews) | **[4.4 (5 ratings)](https://appshunter.io/ios/app/zikora/id6444196255/reviews)** |
| Number of ratings | **9** | 5 |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Weekly** |
| Monetization | Free | Free |
| Size | 138 MB | 113 MB |
| Requires iOS | **14.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [PennyTree Business Limited](https://appshunter.io/developer/1602953104) | [Zikora Bank Ltd](https://appshunter.io/developer/1653031591) |

## 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


### Zikora

[App page](https://appshunter.io/ios/app/zikora/id6444196255)

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.

**Highlights:** Money transfers, Airtime purchase, Data plan recharge, Savings features, Secure banking

**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 Zikora free?

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

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

Zikora is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while Zikora averages 4.4 from 5 ratings.

### Do PennyTree or Zikora have ads?

Neither PennyTree nor Zikora shows ads.

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

PennyTree ships an update every 10 days, and Zikora weekly. Most recently, PennyTree was updated on August 12, 2026 and Zikora on September 24, 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.*