# PennyTree vs Ellington MFB Personal

The clearest difference is rating: Ellington MFB Personal at 5.0 against PennyTree's 3.7. PennyTree's advantage is ratings volume (9 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Ellington MFB Personal holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: PennyTree has 9 ratings behind it against 1, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 22, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | PennyTree | Ellington MFB Personal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (9 ratings)](https://appshunter.io/ios/app/pennytree/id1602953102/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ellington-mfb-personal/id6742980740/reviews)** |
| Number of ratings | **9** | 1 |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 138 MB | 44 MB |
| Requires iOS | **14.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [PennyTree Business Limited](https://appshunter.io/developer/1602953104) | [Ellington Micro Finance Bank](https://appshunter.io/developer/1800641721) |

## 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


### Ellington MFB Personal

[App page](https://appshunter.io/ios/app/ellington-mfb-personal/id6742980740)

Securely manage your finances with a mobile banking platform designed for speed and reliability. This service prioritizes the protection of your funds and personal data, offering a top-tier banking experience.

**Highlights:** Fast and reliable banking, Top-notch security, Personal data protection, Mobile banking platform, Best service experience

**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 Ellington MFB Personal free?

Ellington MFB Personal is free to download, with no in-app purchases.

### Which has better reviews, PennyTree or Ellington MFB Personal?

Ellington MFB Personal is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while Ellington MFB Personal averages 5.0 from 1 ratings.

### Do PennyTree or Ellington MFB Personal have ads?

Neither PennyTree nor Ellington MFB Personal shows ads.

### Which is updated more often, PennyTree or Ellington MFB Personal?

PennyTree ships an update every 2 weeks, and Ellington MFB Personal every 2 weeks. Most recently, PennyTree was updated on October 22, 2026 and Ellington MFB Personal on October 9, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*