PennyTree vs Avrilwise
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.
Avrilwise
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We offer instant recharge of Airtime, Data, Recharge cards Printing, Cable TV, and Electricity Bills Payment. With Avrilwise, you enjoy: Guaranteed discounts on each mobile recharge Savings on your bill payments Secure payment via bank account,: 100% secured & certified Tired of managing multiple apps for various mobile transactions? Avrilwise streamlines your life with a comprehensive platform catering to all your mobile needs. From data and airtime top-ups to bill payments, subscription management, bulk SMS, and more, Avrilwise has got you covered.
Screenshots
Verdict
The clearest difference is update cadence: PennyTree at every 10 days against Avrilwise's every 5 months. 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, Avrilwise every 5 months. The most recent releases landed on August 12, 2026 and May 14, 2026 respectively.
| Parameter | PennyTree | Avrilwise |
|---|---|---|
| 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 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 138 MB | 51 MB |
| Age rating | 4+ | 17+ |
| Developer | PennyTree Business Limited | ADE DEVELOPERS INTERNATIONAL LIMITED |
In-app purchases
PennyTree
No in-app purchases
Avrilwise
No in-app purchases
