Pennylane review (2026): is it worth €7 a month?
French accounting, invoicing and business account in one app
Black Friday: is there a Pennylane sale?
Pennylane report card
Fair · out of 4.0 · graded Nov 12, 2026
Best for French accounting and a business account in one app
Pennylane is French accounting, invoicing and a business account in one app, from €7 a month. The accounting module only arrives at Premium, €79 a month, every plan covers up to 1,200 invoices a year, and the pages and plans are in French for French companies.
Who Pennylane is for
- Fits if you run a French company and want invoicing and your business account together
- Makes sense if your accountant will work inside the same app
Who Pennylane is not for
- Not for you if you're outside France, as the pages and plans are French and in euros
- Pricey if you want real accounting: the module is Premium at €79 a month, €149 for 2 users
- Watch out: Starter needs the Pennylane Pro account activated
- Watch out: each plan covers up to 1,200 invoices a year
Why Pennylane gets a 2.0
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- DValue for money€7 for Starter, which needs the Pro account active, and €24 for Essentiel. The accounting module and tax filing sit on Premium at €79 a month, about three times this category's middle.
- CFree plan and trialA 15-day free trial with no commitment. No free plan.
- CFeaturesInvoicing, e-invoicing, a Pro account with cards, expense reports and cash forecast. Full accounting needs Premium, and the pages are aimed at French companies.
- CEase of useNo store rating on record. It's a suite with a bank account to open, and the pages are in French.
- BPlatforms and integrationsWeb, iPhone and Android, with Qonto, GoCardless, Silae and HubSpot, and an API from Essentiel.
What these grades rest on. Graded from this listing, whose facts were read from Pennylane's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/pennylane#review"><img src="https://toolgpa.com/badge/pennylane.svg" alt="Pennylane: 2.0 GPA on ToolGPA" width="196" height="56"></a>Where Pennylane stands among accounting and invoicing tools
Pennylane's GPA of 2.0 is higher than 11 of the 65 other accounting and invoicing tools we grade, and level with 10.
It stands best on platforms and integrations (B, above 13 of 65) and worst on value for money (D, above 0).
Its paid plans start at about $7.82 a month, against a middle price of $18.09 for the category: 10 of the 54 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 4 tools score higher and cost less.
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. Pennylane’s own letter is outlined.
- DValue for moneyAbove 0 of 65, level with 12
- CFree plan and trialAbove 15 of 65, level with 34
- CFeaturesAbove 4 of 65, level with 46
- CEase of useAbove 1 of 65, level with 56
- BPlatforms and integrationsAbove 13 of 65, level with 46
Price against what you get
Each dot is one of 58 accounting and invoicing tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Pennylane, or make your own?
Keep it
To replace Pennylane you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 44 of the 65 other accounting and invoicing tools grade higher. It costs $93.84 a year.
What you could make
- Invoicing, expense tracking and reports: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, Qonto, GoCardless and Silae among them.
What this rests on. Pennylane’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Pennylane?
Pennylane is a French finance platform that combines invoicing, expense tracking, a business account with cards, and accounting software for companies and their accountants. Its pricing page is in French and in euros, with plan tiers by company size. It positions itself as a registered e-invoicing platform for France's invoicing reform.
Worth knowing
- Pages and plans are in French, priced in euros before VAT, and aimed at French companies.
- Each plan covers up to 1,200 invoices a year; Custom has unlimited sales invoices.
- Starter requires activating the Pennylane Pro account; the paid plans are sold by company size and user count.
- Capital deposit costs €1 instead of €69 excluding VAT with a Pennylane subscription.
Key features
- Invoicing and e-invoicing
- Create and receive invoices in line with French e-invoicing rules; the pages state that every plan is compliant.
- Pro account and cards
- A business account with virtual, physical and one-time cards, supplier payments and automatic reconciliation of transactions.
- Accounting module
- The Premium plan adds accounting reports, automated entry rules, VAT and tax-return filing by EDI, and month-end closing.
- Expense reports
- From Essentiel, the plans handle expense claims and mileage allowances, with automatic categorization and analytical reports.
- Cash forecast
- Essentiel and above include a cash forecast, based on the pricing page's feature list.
- Accountant access
- Plans give your accountant access, and a separate offer exists for accounting firms.
Pennylane pricing
As of Nov 12, 2026, Pennylane is a paid product with a free trial, starting at €7 per month, excluding VAT (Starter, 1 user).
- Starts at
- €7 per month, excluding VAT (Starter, 1 user)
- Free plan
- None
- Free trial
- 15-day free trial, no commitment
| Plan | Price | What you get |
|---|---|---|
| Starter | €7per month, excluding VAT, 1 user | For independents: invoicing, Pro account with cards, supplier payments in one click, bank sync; needs the Pro account active. |
| Basique | €14per month, excluding VAT, 1 user | Adds deposits and partial invoices, delivery and purchase orders and built-in supplier payment; €29 for a 2-user company. |
| Essentiel | €24per month, excluding VAT, 1 user | Adds automated reminders, quote signing, recurring invoices, expense reports, cash forecast and API; €49 for 2 users. |
| Premium | €79per month, excluding VAT, 1 user | Adds the accounting module: tax filing by EDI, month-end and annual closing, annual accounts; €149 for 2 users. |
| Custom | Custom | For multi-entity or complex companies: unlimited users, multi-level approvals and EBICS T payments; quote only. |
Read from pennylane.com on Nov 12, 2026. Prices change, so confirm with Pennylane before you buy.
Ways to pay less
- Other savingsCapital deposit for €1
A Pennylane subscription from €7 excluding VAT lowers the online capital deposit fee to €1 from €69.
Stated on pennylane.com
Works with
- Qonto
- GoCardless
- Silae
- HubSpot
- Organilog
Pennylane alternatives
- Pennylane vs Holded
Free plan · from €19/mo
- Pennylane vs Xero
Free trial · from $27/mo
- Pennylane vs Dext
Free trial · from $25.21/mo
- Pennylane vs Zoho Books
Free plan · from $15/mo
- Pennylane vs Sevdesk
Free plan · from €12.90/mo
Common questions
Does Pennylane have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Pennylane is listed for Web, iOS and Android.
Does Pennylane have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. Pennylane is listed for Web, iOS and Android.
Is Pennylane open source?
Pennylane is not described as open source on its own site, as read on Nov 12, 2026.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 12, 2026.