PennyTree is a lifestyle payment and savings application that helps users keep up with their savings habit and make payment (airtime, and bills). There are no charges for transferring money and recurring debit towards saving on PennyTree. Based on your convenience, you can decide to save daily, weekly, or monthly. You can also choose your most preferred savings plan and lock funds (Personal Vault). We make financial discipline fun, enjoyable and easy. We announced a controlled launch on the 1st of December, 2021.