Pennylane vs Revolut Business Comparison
Compare Pennylane vs Revolut Business features, pricing, and more.
Last updated: November 2026
Pennylane
6.4/10
French accounting, invoicing, cash management and business account platform for freelancers, small businesses, SMEs and the accounting firms that serve them.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.4/10 |
| Scalability | 6/10 | 7/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 7/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 4/10 |
| Cost | 5/10 | 6/10 |
| Customization | 5/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €7/mo Starter (freelancer) | £10/mo Basic |
| Estimated cost for 10 users | Contact for pricing | £10/mo Basic |
| Features | ||
| General Ledger | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Financial Reporting | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Pennylane vs Revolut Business cost by team size
| Team size | Pennylane | Revolut Business |
|---|---|---|
| 1 user | €7/moStarter (freelancer) | £10/moBasic |
| 5 users | Contact for pricing | £10/moBasic |
| 10 users | Contact for pricing | £10/moBasic |
| 25 users | Contact for pricing | £10/moBasic |
| 50 users | Contact for pricing | £10/moBasic |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Pennylane
- Higher Compliance score (8/10 vs 6/10)
- Higher Analytics score (6/10 vs 5/10)
- Better fit for freelancers (8/10 vs 4/10)
- Better fit for small business (9/10 vs 7/10)
- Includes General Ledger, which Revolut Business lacks
Why choose Revolut Business
- Higher Scalability score (7/10 vs 6/10)
- Higher Security score (7/10 vs 6/10)
Pros & Cons
Pennylane
Pros
- Accountants and clients work in the same shared space, which reviewers call its main strength.
- Bank transactions are categorised and reconciled automatically, based on past categorisations.
- A business account with an IBAN and employee cards is included even on the entry plan.
- It is approved for French e-invoicing, and Premium adds electronic filing of VAT and tax returns.
- A 15-day free trial and cancel-anytime billing mean there is no long-term commitment.
Cons
- Reviewers consider it fairly expensive, and there is no free plan.
- Full accounting reports and tax filing are limited to Premium.
- No payroll or CRM of its own; it relies on Payfit, Silae and CRM integrations.
- Users report slow support on complex issues, occasional bugs, and a multi-currency feature that still needs work.
- Pricing for companies with employees is quote-based on the vendor site.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Pennylane and Revolut Business both score 6.4/10 on our Finance Software criteria. The largest gap is in Compliance: 8/10 for Pennylane and 6/10 for Revolut Business.
No, neither Pennylane nor Revolut Business lists a free plan.
Pennylane is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for Revolut Business.
Pennylane has General Ledger, which Revolut Business lacks.
