PennyTree 4+

PennyTree Business Limited

Designed for iPhone

    • 3.7 • 3 Ratings
    • Free

iPhone Screenshots


PennyTree Gamified Digital Lifestyle App

PennyTree is a digital lifestyle platform using AI features with a mission to take the saving culture a notch further with PENN RULES

Introducing Penn Rules
Penn Rules is a first of its kind digital lifestyle product in Africa, allowing users to integrate savings habits with their lifestyle, thereby demonstrating that lifestyle and finance are not mutually exclusive. With Penn Rules, you are able to save as you earn, save as you spend, save as you live and save as you interact in the digital village without second guessing. With lifestyle friendly features such as “Hey PennyTree, save X amount of money each time I pay bills or save X each time I do Y, PennyTree automatically saves as you live your life.. You create your own rules

Target Savings
With automated savings you can save towards multiple goals, achieve them all and grow your money. Start saving with as low as N100 and as frequent as daily, weekly and monthly. Hit targets with PennyTree.

Personal Vault
Create a locked savings plan and shun untimely withdrawals. Save and grow your money with an interest of up to 15% per annum. You earn better on PennyTree than your Bank’s savings account. You can lock funds for a minimum duration of 30 days.

On PennyTree, you can pay for utilities (DSTV, GOTV, Startimes, Postpaid and Prepaid Electricity Packages), buy airtime and data subscriptions.

Penn Wallet and Transfers
Penn Wallet is your digital wallet that allows you to do a transfer from a Penn Wallet to another Penn Wallet using the unique user ID. You can send money to friends and family on the Penn ecosystem with zero charges.

Save Securely - We use the highest levels of Internet Security, secured by 256 bits SSL security encryption. We have partnered with PCIDSS level 1 compliant payment processor for security of funds.

No transfer charges! No charges on recurring debits! No monthly fees! No maintenance fees!

What’s New

Version 1.2.0

Unable to view created Wallet Rules bug fixed.
Change of transaction pin flow adjusted for stability.
Overall code optimization

Ratings and Reviews

3.7 out of 5
3 Ratings

3 Ratings

tworldwide ,


The application is very good and user friendly, I really love it’s interface 😊🥰.

mhizta01 ,


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

App Privacy

The developer, PennyTree Business Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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