PennyTree vs STECS
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.
STECS
Manage all your finances in one place with this ethical mobile money app. It offers swift account opening, comprehensive money management tools, card services, and access to investments and credit products.
- All-in-one finance management
- Swift account opening
- Money management tools
- Card services
- Investment options
- Credit products
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Stecs is an ethical mobile money app that lets you manage all your finances in just one app. Swift account opening process, money management tools, cards services, investments and credit products are some of the things you stand to gain by opening an account with us.
Screenshots
Verdict
The clearest difference is rating: STECS at 4.3 against PennyTree's 3.7. PennyTree's advantage is review sentiment (71% vs 33%). 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.
STECS holds the better App Store score, 4.3 against 3.7. Both are backed by a comparable volume of ratings — 9 and 10 respectively. Written reviews complicate that: 71% of PennyTree's written reviews are positive against 33% of STECS's, so the app with the better star average is not the one people write more warmly about.
PennyTree ships an update every 2 weeks, STECS every 3 weeks. The most recent releases landed on October 5, 2026 and October 3, 2026 respectively.
| Parameter | PennyTree | STECS |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) | 4.3 (10 ratings) — better |
| Positive reviews | 71.4% of reviews — better | 33.3% of reviews |
| Number of ratings | 9 | 10 — better |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 138 MB | 116 MB |
| Age rating | 4+ | 4+ |
| Developer | PennyTree Business Limited | STECS FINANCIAL TECHNOLOGIES LTD |
Customer experience
PennyTree
STECS
In-app purchases
PennyTree
No in-app purchases
STECS
No in-app purchases
