# PennyTree vs STECS

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.

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.

## The numbers

| Metric | PennyTree | STECS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (9 ratings)](https://appshunter.io/ios/app/pennytree/id1602953102/reviews) | **[4.3 (10 ratings)](https://appshunter.io/ios/app/stecs/id6451484520/reviews)** |
| Number of ratings | 9 | **10** |
| Positive reviews | **71.4% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 138 MB | 116 MB |
| Requires iOS | **14.0** | 15.5 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PennyTree Business Limited](https://appshunter.io/developer/1602953104) | [STECS FINANCIAL TECHNOLOGIES LTD](https://appshunter.io/developer/1677343881) |

## 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


### STECS

[App page](https://appshunter.io/ios/app/stecs/id6451484520)

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.

**Highlights:** All-in-one finance management, Swift account opening, Money management tools, Card services, Investment options, Credit products

**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 STECS free?

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

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

STECS is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while STECS averages 4.3 from 10 ratings.

### Do PennyTree or STECS have ads?

Neither PennyTree nor STECS shows ads.

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

PennyTree ships an update every 2 weeks, and STECS every 3 weeks. Most recently, PennyTree was updated on October 5, 2026 and STECS on October 3, 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.*