PennyTree is a free finance application developed by PennyTree Inc. for Android devices. It offers a range of financial services that can be accessed conveniently from your mobile device. With PennyTree, you can perform bank transfers, bill payments, and save money in personal vaults with an interest rate of up to 15% per annum.

The application also offers Merchant Services, which allows you to open a business banking account with just a click of a button. You can 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. Additionally, PennyTree has introduced a Crowdfunding Platform that enables you to invest in your favorite brands with as low as NGN5,000 and earn a competitive return on investment.