PennyTree
Finance
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
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.
more The application is very good and user friendly, I really love it’s interface 😊🥰.
The application is very good and user friendly, I really love it’s interface 😊🥰.
This people are thief runaway from them I withdraw from my wallet to my bank account up till know yet I have not received the value I keep calling them that I should contact my bank know they don’t pick my calls again fraudulent people
This people are thief runaway from them I withdraw from my wallet to my bank account up till know yet I have not received the value I keep calling them that I should contact my bank know they don’t pick my calls again fraudulent people
Introducing Upfront Vault — a smarter way to grow your savings!
Now you can:
Get your interest instantly when you lock your funds
Secure your savings for your preferred duration
Receive your full principal back at maturity
Enjoy predictable returns with zero stress
We’ve also included performance improvements and bug fixes for a smoother experience.
Update now and start earning instantly with Upfront Vault!
2.9.7 Jun 4
Introducing Upfront Vault — a smarter way to grow your savings!
Now you can:
Get your interest instantly when you lock your funds
Secure your savings for your preferred duration
Receive your full principal back at maturity
Enjoy predictable returns with zero stress
We’ve also included performance improvements and bug fixes for a smoother experience.
Update now and start earning instantly with Upfront Vault!
2.9.6 Jun 3
Introducing Upfront Vault — a smarter way to grow your savings!
Now you can:
Get your interest instantly when you lock your funds
Secure your savings for your preferred duration
Receive your full principal back at maturity
Enjoy predictable returns with zero stress
We’ve also included performance improvements and bug fixes for a smoother experience.
Update now and start earning instantly with Upfront Vault!
2.9.5 May 21
What’s New? Referral Rewards Are Here!
Sharing just got more rewarding
Invite your friends to join and start earning when they sign up through your referral code. The more you share, the more you earn
How it works:
- Share your referral code
- Friends join using your code
- You earn rewards
Start referring today and turn your network into rewards!
2.9.4 May 11
What’s New? Referral Rewards Are Here!
Sharing just got more rewarding
Invite your friends to join and start earning when they sign up through your referral code. The more you share, the more you earn
How it works:
- Share your referral code
- Friends join using your code
- You earn rewards
Start referring today and turn your network into rewards!
2.9.2 Apr 27
What’s New? Referral Rewards Are Here!
Sharing just got more rewarding
Invite your friends to join and start earning when they sign up through your referral code. The more you share, the more you earn
How it works:
- Share your referral code
- Friends join using your code
- You earn rewards
Start referring today and turn your network into rewards!
2.9.1 Apr 24
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.9.0 Mar 24
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.9 Mar 20
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.8 Mar 7
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.7 Feb 19
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.6 Feb 14
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.3 Jan 5
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.2 12/24/2025
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.8.1 12/21/2025
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.7.6 12/18/2025
Multi-Currency Vault is here!
Save and convert instantly in NGN, USD, GBP, and CNY — with great rates and zero hidden fees.
What’s new:
- Create and save in separate Dollar, Pound & Yuan vaults
- Convert and save in favorable rates
- Convert from Naira instantly to other currencies
- No monthly fees
Save smarter for travel, school, or business. Your money now works harder for you globally.
2.7.5 12/02/2025
- Back button fix
- Open a business account and start transacting
- Activate virtual cards for your business. Pay for subscriptions and shop globally.
2.7.4 11/14/2025
- Login fix
- Open a business account and start transacting
- Activate virtual cards for your business. Pay for subscriptions and shop globally.
2.7.3 11/11/2025
- Open a business account and start transacting
- Activate virtual cards for your business. Pay for subscriptions and shop globally.
2.7.2 09/29/2025
- Open a business account and start transacting
- Activate virtual cards for your business. Pay for subscriptions and shop globally.
2.7.1 09/23/2025
- Open a business account and start transacting
- Activate virtual cards for your business. Pay for subscriptions and shop globally.
2.7.0 09/06/2025
- Open a business account and start transacting
- Activate virtual cards for your business. Pay for subscriptions and shop globally.
2.6.8 08/18/2025
- Virtual card feature now available (Spend globally)
- Bug Fixes and Performance Optimization
2.6.7 08/13/2025
- New intuitive design - Improved KYC
- Light and Dark modes
- Easily manage business and personal accounts
- Bug fixes
2.6.5 06/10/2025
- New intuitive design - Improved KYC
- Light and Dark modes
- Easily manage business and personal accounts
- Bug fixes
2.6.4 05/28/2025
Introducing Upfront Vault — a smarter way to grow your savings!
Now you can:
Get your interest instantly when you lock your funds
Secure your savings for your preferred duration
Receive your full principal back at maturity
Enjoy predictable returns with zero stress
We’ve also included performance improvements and bug fixes for a smoother experience.
Update now and start earning instantly with Upfront Vault!
more Version 2.9.7 Jun 4
Data Linked to You The following data may be collected and linked to your identity:
Financial Info Contact Info 