PennyTree vs Awabah
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.
Awabah
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The user-friendly application consists of functions that make micro-pension controllable and accessible from anywhere. Some features of the application include: - Digital registration for a micro pensions account - Dash Dem pensions which allow you to gift (send money) into anyone’s pension account. This means you can gift pensions to people with no pension account or people with a pension account signed up to any Pension Fund Administrator (PFA). Awabah’s goal is to help secure your future.
Screenshots
Verdict
The clearest difference is update cadence: PennyTree at every 2 weeks against Awabah's monthly. 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 2 weeks, Awabah monthly. The most recent releases landed on October 22, 2026 and October 19, 2026 respectively.
| Parameter | PennyTree | Awabah |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) — better | — |
| Positive reviews | 71.4% of reviews | — |
| Number of ratings | 9 — better | — |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 138 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | PennyTree Business Limited | Awabah LTD |
In-app purchases
PennyTree
No in-app purchases
Awabah
No in-app purchases
