Comparison

PennyTree vs Grooming Mobile App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

Grooming Mobile App

Manage your bank accounts, transfer funds, and pay bills securely from your mobile device. Offers convenient login options and robust security features for a seamless banking experience.

Highlights
  • Account management
  • Fund transfers
  • Bill payments
  • Secure authentication
  • Touch ID/Face ID login
Features
Read full description

We are thrilled to introduce our Banking App - Grooming Mobile App to you! This release marks a significant milestone in our journey to provide you with a seamless and secure banking experience right at your fingertips. Here's what you can expect from our app: Key Features: Account Management: Access and manage your accounts with ease. View your account balances, transaction history, and download statements effortlessly. Fund Transfers: Transfer funds across banks or make quick payments to friends and family effortlessly. Bill Payments: Pay your bills on time using our secure and straightforward bill payment feature. Secure Authentication: We take your security seriously. Enjoy peace of mind with multi-factor authentication to safeguard your accounts. Touch ID/Face ID Support: Easily log in to your account using your fingerprint or facial recognition for added convenience and security. Grooming Microfinance Bank is a leading Microfinance Bank in Nigeria with a focus on financial inclusion. It was licensed on the 23rd of August 2017 and commenced business operations on 16th July 2018. A customer centric Bank which aims to provide first in class services to its clients using technology in line with best practices.  The Bank is registered with the Corporate Affairs Commission (RC No: 1433763) and licensed by the Central Bank of Nigeria (CBN) to operate as a State Microfinance Bank. The Bank's deposits are well insured by the Nigerian Deposit Insurance Corporation. It is headquartered at 160 Ojoo-UI Road, Olororo Bus Stop OJoo, Ibadan Oyo State Nigeria.

Screenshots

PennyTree4 screens
Grooming Mobile App4 screens

Verdict

The call

The clearest difference is rating: Grooming Mobile App at 4.0 against PennyTree's 3.7. PennyTree's advantage is review sentiment (71% vs 50%) and update cadence (every 2 weeks vs monthly). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Grooming Mobile App holds the better App Store score, 4.0 against 3.7. Both are backed by a comparable volume of ratings — 9 and 4 respectively. Written reviews complicate that: 71% of PennyTree's written reviews are positive against 50% of Grooming Mobile App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

PennyTree ships an update every 2 weeks, Grooming Mobile App monthly. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
PennyTree versus Grooming Mobile App: the parameters behind the verdict, then further details
ParameterPennyTreeGrooming Mobile App
PriceFreeFree
Rating3.7 (9 ratings)4.0 (4 ratings) — better
Positive reviews71.4% of reviews — better50.0% of reviews
Number of ratings9 — better4
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.6
Further details — not scored
Size138 MB95 MB
Age rating4+4+
DeveloperPennyTree Business LimitedGROOMING MICROFINANCE BANK LIMITED

Customer experience

PennyTree

All ratings9 ratings
Positive55.6%
Neutral22.2%
Negative22.2%
Written reviews7 reviews
Positive71.4%
Neutral0.0%
Negative28.6%

Grooming Mobile App

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

PennyTree

No in-app purchases

None

Grooming Mobile App

No in-app purchases

Questions

Is PennyTree free?
PennyTree is free to download, with no in-app purchases.
Is Grooming Mobile App free?
Grooming Mobile App is free to download, with no in-app purchases.
Which has better reviews, PennyTree or Grooming Mobile App?
Grooming Mobile App is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while Grooming Mobile App averages 4.0 from 4 ratings.
Do PennyTree or Grooming Mobile App have ads?
Neither PennyTree nor Grooming Mobile App shows ads.
Which is updated more often, PennyTree or Grooming Mobile App?
PennyTree ships an update every 2 weeks, and Grooming Mobile App monthly. Most recently, PennyTree was updated on October 22, 2026 and Grooming Mobile App on October 24, 2026.

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