Pennylane review

Pennylane combines invoicing, purchasing, cash-flow management, a business account and accounting tools in one platform. Its homepage says compliant e-invoicing and e-reporting are included in every plan, and describes Pennylane as a registered accredited platform. AI is also part of the product, though the published information doesn’t spell out which AI features each plan includes.

The main distinction is how much of the finance workflow you need in the subscription. Starter covers core invoicing and banking, while higher plans add supplier-payment features, billing automation, expense management and accounting tools. The plans are priced per month, with one user included in each. Pennylane lists no free plan and offers a 15-day trial. Subscriptions are billed monthly without commitment; annual prices are not published.

Pennylane’s appeal is the breadth of tools in one subscription. Even Starter includes electronic invoicing, a Pro Account with a French IBAN and Mastercard cards, bank synchronization, transaction reconciliation and accountant access. That gives a solo business more than invoicing alone, without needing to start at the accounting plan.

The upgrades add practical steps in order. Basique, at €14 per month, adds down payments, partial invoices, delivery slips, purchase orders, supplier payment terms and integrated invoice payments. Essentiel, at €24 per month, adds automated reminders, quote e-signatures, recurring invoices, subscription management, expense reports, mileage allowances, API access and integrations.

For businesses that want accounting workflows alongside finance management, Premium (+ Module comptable) costs €79 per month. It includes accounting reports, automated entry rules, EDI tax filings, monthly and annual closing modules, one-level approval workflows and custom dashboards. The pricing is relatively easy to compare: all listed plans are monthly, and each includes one user.

The price jump for accounting is the main catch. Starter is €7 per month and Essentiel is €24, but Premium (+ Module comptable) is €79 per month. If you need the accounting reports, entry rules, tax filings or closing modules listed for Premium, the lower plan prices don’t tell the whole story.

There are also firm plan boundaries. Every listed tier includes one user; additional management and employee seats are available, but their prices are not published. Starter excludes API access and expense reports, which are only listed as included from Essentiel upward. Annual prices and other add-on or overage fees are also not published, so the listed monthly rates may not show the full cost for a team.

Pennylane offers a 15-day trial, but no free plan. The share-capital deposit add-on is listed at €1, reduced from €69; pricing for other add-ons is unspecified. We’d confirm seat and add-on costs before switching, especially if you need more than one user or accounting functionality.

According to the pricing information checked on November 6, 2026, Pennylane starts at €7 per month for Starter. That includes one user, electronic invoicing, a Pro Account with French IBAN and Mastercard cards, bank sync and reconciliation. There’s no free plan; the listed free trial is 15 days.

Basique costs €14 per month, adding supplier-payment features and purchase documents. Essentiel is €24 per month and adds automated reminders, recurring invoices, expense reports, mileage allowances, API access and integrations. The big jump is Premium at €79 per month: it includes accounting reports, automated entry rules, tax filings and closing modules. That’s €55 more than Essentiel, for one user.

Subscriptions are monthly with no commitment. Annual prices aren’t published. Additional management and employee seats are available, but their prices aren’t published either; other add-on and overage fees are also unspecified. The €1 share-capital deposit is listed as reduced from €69. Budget for the relevant tier and confirm seat costs before committing.

The published sources don’t publish migration steps, supported import formats, export options, or what happens to your data if you leave. They also don’t include Reddit posts or comments, so we can’t responsibly say that Reddit users report a particular reason for leaving Pennylane.

Before switching, ask Pennylane what it can import from your current accounting or finance tools, whether historical invoices and transaction records transfer, and what exports you can take away if you cancel. Confirm who handles setup and whether your accountant can access the records during the transition; accountant access is included in the listed Starter features. If you need API access or expense reports, note that Starter excludes both, while Essentiel lists them.

For a move away, get export formats and retention terms in writing before ending the old service. Those details aren’t published in the published material. Treat migration effort and lock-in as open questions to resolve with Pennylane, not as established drawbacks.