PennyTree vs AgentCenta
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.
AgentCenta
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AgentCenta enables agents to do more and earn more with a wide range of solutions and payment channels for your Agency Banking needs. With AgentCenta, you can instantly process cashout (withdrawal) request for your customers, transfer to all Commercial banks, as well as many Micro-finance bank and other financial institutions in Nigeria, process Airtime/Data and other Bill Payments like Electricity, Cable, Internet etc. Process payments for all Federal Government ministries Departments, most state governments, and MDAs within Nigeria- including license fees, fines, taxes, and many others. You are able to process transactions with a plethora of payment methods available- including Card, Cash Bank Transfer etc. You can also request for a POS device to from within the App. Register your interest with our team at support@remita.net and we’ll be in touch.
Screenshots
Verdict
The clearest difference is update cadence: PennyTree at every 10 days against AgentCenta's every 6 weeks. On price, ads, 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.
PennyTree ships an update every 10 days, AgentCenta every 6 weeks. The most recent releases landed on August 12, 2026 and May 17, 2026 respectively.
| Parameter | PennyTree | AgentCenta |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) — better | — |
| Positive reviews | 71.4% of reviews | — |
| Number of ratings | 9 — better | — |
| Update frequency | Every 10 days — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 138 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | PennyTree Business Limited | SystemSpecs Limited |
In-app purchases
PennyTree
No in-app purchases
AgentCenta
No in-app purchases








