# PennyTree vs OGBillPay

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.

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.

## The numbers

| Metric | PennyTree | OGBillPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (9 ratings)](https://appshunter.io/ios/app/pennytree/id1602953102/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/ogbillpay/id6748001766/reviews)** |
| Number of ratings | **9** | 3 |
| Positive reviews | 71.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 124 MB | 41 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) | [LIONHEART NIGERIA LIMITED](https://appshunter.io/developer/1675912925) |

## 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, allowing for 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, Business banking for merchants, Invoice and receipt generation, Crowdfunding investment platform, Bank transfers and bill payments

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### OGBillPay

[App page](https://appshunter.io/ios/app/ogbillpay/id6748001766)

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.

**Highlights:** Airtime & Data Top-up, Electricity & Cable TV Bill Payments, Wallet Funding & Airtime-to-Cash, OGPoints Rewards System, Secure Withdrawals, Biometric & PIN Protection

**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 OGBillPay free?

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

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

OGBillPay is rated higher. PennyTree averages 3.7 out of 5 from 9 ratings, while OGBillPay averages 5.0 from 3 ratings.

### Do PennyTree or OGBillPay have ads?

Neither PennyTree nor OGBillPay shows ads.

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

PennyTree ships an update every 2 weeks, and OGBillPay every 2 months. Most recently, PennyTree was updated on November 7, 2026 and OGBillPay on October 30, 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.*