# Pennylane review (2026): is it worth €7 a month? > French accounting, invoicing and business account in one app Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA. 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. - **Category:** Accounting & Invoicing - **Made by:** Pennylane - **Website:** https://www.pennylane.com/fr - **Runs on:** Web, iOS, Android - **Who should skip it:** Not for you if you're outside France, as the pages and plans are French and in euros. - **Facts last checked:** Nov 12, 2026 ## 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). - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 15-day free trial, no commitment. | Plan | Price | What you get | | --- | --- | --- | | Starter | €7 per 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 | €14 per 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 | €24 per month, excluding VAT, 1 user | Adds automated reminders, quote signing, recurring invoices, expense reports, cash forecast and API; €49 for 2 users. | | Premium | €79 per 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 https://www.pennylane.com/fr/tarifs on Nov 12, 2026. Prices change, so confirm with Pennylane before buying. ## Ways to pay less - **Capital deposit for €1** (Other savings): A Pennylane subscription from €7 excluding VAT lowers the online capital deposit fee to €1 from €69. Source: https://www.pennylane.com/fr/tarifs ## 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. ## Good for - French freelancers and small companies that want invoicing and bank sync together - Businesses that share their books with an external accountant - Companies preparing for France's e-invoicing requirements ## 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. ## ToolGPA grades **GPA: 2.0 out of 4**, graded Nov 12, 2026. 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. - **Value for money: D.** €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. - **Free plan and trial: C.** A 15-day free trial with no commitment. No free plan. - **Features: C.** Invoicing, e-invoicing, a Pro account with cards, expense reports and cash forecast. Full accounting needs Premium, and the pages are aimed at French companies. - **Ease of use: C.** No store rating on record. It's a suite with a bank account to open, and the pages are in French. - **Platforms and integrations: B.** Web, iPhone and Android, with Qonto, GoCardless, Silae and HubSpot, and an API from Essentiel. These are ToolGPA's own grades. 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. ## Where it 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. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, 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. - You could make: Invoicing, expense tracking and reports: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: Cards issued through a bank. - You could not: Money moved between bank accounts, which takes a licensed payments partner. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, Qonto, GoCardless and Silae among them. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Qonto, GoCardless, Silae, HubSpot, Organilog **Tags:** Invoicing, Bookkeeping, Expense tracking, Company cards, Bill pay, Reports ## Alternatives - [Holded](https://toolgpa.com/tools/holded): Cloud business management with invoicing, accounting and inventory. [Compare](https://toolgpa.com/compare/holded-vs-pennylane) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/pennylane-vs-xero) - [Dext](https://toolgpa.com/tools/dext): Receipt and invoice capture that codes documents for your ledger. [Compare](https://toolgpa.com/compare/dext-vs-pennylane) - [Zoho Books](https://toolgpa.com/tools/zoho-books): Online accounting from Zoho, with a free plan and six paid tiers. [Compare](https://toolgpa.com/compare/pennylane-vs-zoho-books) - [Sevdesk](https://toolgpa.com/tools/sevdesk): German online accounting and e-invoicing with a free plan. [Compare](https://toolgpa.com/compare/pennylane-vs-sevdesk) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.pennylane.com/fr/tarifs - https://www.pennylane.com/fr/tarifs/medium - https://www.pennylane.com/fr/integrations Page: https://toolgpa.com/tools/pennylane Listed by ToolGPA (toolgpa.com).