PennyTree vs OGBillPay
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, allowing for 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
- Business banking for merchants
- Invoice and receipt generation
- Crowdfunding investment platform
- Bank transfers and bill payments
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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.
OGBillPay
This app simplifies everyday payments, consolidating all your financial needs into one secure platform. Easily top up airtime and data, pay electricity and TV bills, fund betting wallets, and convert airtime to cash. Earn rewards with every transaction and enjoy fast, secure withdrawals to Nigerian banks.
- Airtime & Data Top-up
- Electricity & Cable TV Bill Payments
- Wallet Funding & Airtime-to-Cash
- OGPoints Rewards System
- Secure Withdrawals
- Biometric & PIN Protection
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OGBillPay makes everyday payments simple, fast, and secure. Developed by Lionheart Nigeria Limited, OGBillPay brings all your financial needs into one app. Key Features: Airtime & Data Top-up (MTN, Airtel, Glo, 9Mobile) Electricity & Cable TV bills (DStv, GOtv, StarTimes, EEDC & more) Education & Betting wallet funding Instant wallet funding with virtual accounts Airtime-to-Cash conversion OGPoints rewards system & referral program Secure withdrawals to any Nigerian bank Biometric & PIN protection Why OGBillPay? One app for all payments Fast, secure transactions Rewards on every spend Get Started: Download the app Register and fund your wallet Pay bills, earn rewards, and enjoy financial freedom For support: contact@ogbillpay.com © Lionheart Nigeria Limited
Screenshots
Verdict
The clearest difference is rating: OGBillPay at 5.0 against PennyTree's 3.7. OGBillPay also leads on review sentiment (100% vs 71%). PennyTree's advantage is update cadence (every 2 weeks vs every 2 months) and ratings volume (9 vs 3). On price, ads, in-app purchases and monetization model 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.
OGBillPay holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 9 and 3 respectively. Written reviews point the same way: 71% of PennyTree's written reviews are positive against 100% of OGBillPay's.
PennyTree ships an update every 2 weeks, OGBillPay every 2 months. The most recent releases landed on November 7, 2026 and October 30, 2026 respectively.
| Parameter | PennyTree | OGBillPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (9 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 71.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 9 — better | 3 |
| Update frequency | Every 2 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 124 MB | 41 MB |
| Age rating | 4+ | 17+ |
| Developer | PennyTree Business Limited | LIONHEART NIGERIA LIMITED |
Customer experience
PennyTree
OGBillPay
In-app purchases
PennyTree
No in-app purchases
OGBillPay
No in-app purchases
