Best for
Best for Dutch freelancers and small businesses that keep their own books and want bank processing, Peppol e-invoicing and the VAT return in one tool.
- Freelancers
- Small and mid-sized
Accounting & Invoicing Comparison
Moneybird vs. Pennylane
At a glance
At a glance
Best for
Best for French companies that want invoicing, supplier purchases, a business account and their accounting firm working on one shared set of data.
- Freelancers
- Small and mid-sized
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Moneybird | Pennylane |
|---|---|---|
| Starting price | lower value From €3 / month plus VAT Compact plan, billed yearly (€4 / month billed monthly), 1 user, 5 processed bank transactions a month and no linked bank account. Start €15, Growth €29 and Complete €41 per month billed yearly (€18, €35 and €49 billed monthly). Online payment methods and bank connections carry per-transaction fees. | Free for micro-entrepreneurs, otherwise from €7 / month excluding VAT Per user and month excluding VAT, no commitment: Starter €7, Basique €14, Essentiel €24 and Premium €79. Companies invited by their accounting firm use the free Collaboratif plan, and micro-entrepreneurs have a free plan of their own. All plans cover up to 1,200 invoices a year. |
| Free trial | 60 days free with unlimited access to the Complete plan | 15 days free, no commitment |
| Users | More than 300,000 freelancers and SMEs | Not stated |
| API | Yes, an API on every plan | Yes, a public Company API with a sandbox environment, available from the Essentiel plan |
| Hosting | Cloud (SaaS) | Cloud (SaaS) |
| Made in | Netherlands | Not stated |
| Invoicing and quotes | Yes, branded invoices and quotes, recurring invoices and subscriptions (not on Compact), automatic reminders, online payment by iDEAL, SEPA direct debit, card, Apple Pay, Google Pay and Bancontact, and sending via Peppol | Yes, quotes with e-signature, invoices, part invoices, recurring invoices and subscriptions with automatic reminders, plus electronic invoicing for the French mandate |
| Bookkeeping and bank feeds | Yes, links to more than 1,700 European banks (5 on Growth, unlimited on Complete) with automatic transaction processing, ledger accounts, and assets and depreciation | Yes, bank synchronisation with automatic categorisation, and a full accounting module with rule-based automatic entries in the Premium plan |
| Expenses and receipts | Yes, smart document processing and receipt scanning in the mobile app, UBL invoices and Peppol receiving, and paying purchase invoices from Moneybird | Yes, supplier invoices centralised with approval workflows and payment from the platform, plus expense reports and mileage allowances |
| Tax and compliance | Yes, VAT overview, ICP declaration and an electronic VAT return filed directly with the tax authorities, the return from the Start plan (Netherlands) | Yes, tax filing management and year-end closing tools in the Premium plan, built around French accounting rules |
| Payroll | Not built in. Payroll runs in separate salary software, and its payroll journal entries are booked in Moneybird by hand or posted automatically through an integration with Employes, HoorayHR or Nmbrs | No payroll of its own. Payroll stays in a connected tool, with partner integrations for the French payroll platforms PayFit and Silae |
| Reports and exports | Yes, reports and a dashboard on every plan | Yes, real-time cash flow monitoring and forecasting, with custom dashboards and accounting reports in the Premium plan |
| Integrations and API | Yes, an API and connections to other tools on every plan | Yes, a public Company API with a sandbox environment, from the Essentiel plan |
| Deployment | Cloud (SaaS), Browser-based | Cloud (SaaS), Browser-based |
| Support | Email helpdesk | more entries Chat, Phone, Community forum |
| Onboarding | Documentation and knowledge base, Video tutorials, Live online demos and webinars | Documentation and knowledge base, Video tutorials, Live online demos and webinars |
| Company size | Freelancers, Small and mid-sized | Freelancers, Small and mid-sized |
| Integrations | more entries Shopify, WooCommerce, Magento 2, PrestaShop, Lightspeed, Bol.com, Mollie, Stripe, PayPal, MultiSafepay, SumUp, Zettle, Employes, HoorayHR, Nmbrs, TimeChimp, Simplicate, Teamleader, Picqer | Qonto, Stripe, Shopify, PayFit, Silae |
Add a tool
Adds a column to the table, from the tools in this category.
Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.
The short version
Key Differences
- Starting price Moneybird From €3 / month plus VAT Pennylane Free for micro-entrepreneurs, otherwise from €7 / month excluding VAT
- Free trial Moneybird 60 days free with unlimited access to the Complete plan Pennylane 15 days free, no commitment
- Support Moneybird Email helpdesk Pennylane Chat, Phone, Community forum
- API Moneybird Yes, an API on every plan Pennylane Yes, a public Company API with a sandbox environment, available from the Essentiel plan
- Invoicing and quotes Moneybird Yes, branded invoices and quotes, recurring invoices and subscriptions (not on Compact), automatic reminders, online payment by iDEAL, SEPA direct debit, card, Apple Pay, Google Pay and Bancontact, and sending via Peppol Pennylane Yes, quotes with e-signature, invoices, part invoices, recurring invoices and subscriptions with automatic reminders, plus electronic invoicing for the French mandate
Every line is one datapoint from the table above, picked automatically. Nothing here is written text.
The trade-offs
Strengths and Limitations
Moneybird
Strengths
- 60-day trial with full access to the top plan
- E-invoices sent and received over Peppol, and UBL invoices processed, on every plan
- Electronic VAT return filed directly from the software
- API and accountant access included on every plan
Limitations
- Plans are capped by processed bank transactions per month, not just users
- The Compact plan has no linked bank account and no electronic VAT return
- Online payment methods and bank connections carry per-transaction fees on top of the plan
Pennylane
Strengths
- Built to be shared with the accounting firm, which works on the same data
- Free Collaboratif plan for companies invited by their accounting firm
- Electronic invoicing for the French mandate included at no extra cost
- Business account with physical and virtual Mastercards inside the platform
Limitations
- Shaped around French accounting rules and a French business account
- The accounting module and tax filing only arrive in the Premium plan, which is a large step up in price
- The public API starts at the Essentiel plan
- Plans are priced per user, so a larger finance team multiplies the cost
Plans
Pricing
Moneybird
- Compact €3 / month plus VAT Billed yearly (€4 / month billed monthly). 1 user, 5 processed bank transactions a month, no linked bank account, 1 sales invoice, 3 smart document scans. No recurring invoices and no electronic VAT return.
- Start €15 / month plus VAT Billed yearly (€18 / month billed monthly). 1 user, 20 processed bank transactions a month imported manually, unlimited sales invoices, electronic VAT return.
- Growth €29 / month plus VAT Billed yearly (€35 / month billed monthly). 5 users, 5 linked bank accounts, 50 processed bank transactions a month.
- Complete €41 / month plus VAT Billed yearly (€49 / month billed monthly). Unlimited users, linked bank accounts and processed transactions.
Pennylane
- Free (micro-entrepreneurs) Free For micro-enterprises, 1 user. Invoice creation and reception, supplier centralisation, mobile app, up to 1,200 invoices a year.
- Starter €7 / month excluding VAT Per user. Business account with virtual and physical cards, invoice management, supplier payment, payment links, bank synchronisation.
- Basique €14 / month excluding VAT Per user. Adds part and advance invoices, delivery notes and purchase orders, supplier management and supplier invoice payment.
- Essentiel €24 / month excluding VAT Per user. Adds automated reminders, quote e-signature, recurring invoices, expense management, automatic categorisation, cash flow forecasting and API access.
- Premium €79 / month excluding VAT Per user. Adds the accounting module, validation workflows, custom dashboards, accounting reports, rule-based automatic entries, tax filing management and year-end closing.
What users say
Review Scores · opens after launch
Moneybird
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
Pennylane
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
How we check reviews
Reviews are not published yet. The form on a tool's page works and reaches us, but nothing from it appears on this site, so no score here is based on a review. The rules below are the ones that will apply once reviews go live.
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Where this comes from
Where this comes from
Moneybird https://www.moneybird.com · checked against the official source on 2026-09-25
Pennylane https://www.pennylane.com · checked against the official source on 2026-08-27
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.