Woman in a cream sweater and glasses working at a laptop in a dimly lit office, warm pendant lamps overhead.

Treasury balance

Treasury balance

250,236.40 €

250,236.40 €

Live Balance across 4 bank accounts

Live Balance across 4 bank accounts

See more

See more

Collaborate in real time

Collaborate in real time

Last viewed by Anne-Marie 20 mins ago

Last viewed by Anne-Marie 20 mins ago

Opportunity Spotted

Opportunity Spotted

Recurring subscription costs you can cut

Recurring subscription costs you can cut

84%

Reconciled Automatically

Cash flow gap ahead

Cash flow gap ahead

Detected 6 weeks in advance

Detected 6 weeks in advance

Compliance update

Compliance update

E-invoicing: certified and ready for Sep 2026

E-invoicing: certified and ready for Sep 2026

84%

84%

Reconciled Automatically

Reconciled Automatically

Accountants and businesses thrive on Pennylane

The AI-native OS that keeps accountants and businesses moving together, in real time.

Woman in a cream sweater and glasses working at a laptop in a dimly lit office, warm pendant lamps overhead.

Treasury balance

250,236.40 €

Live Balance across 4 bank accounts

See more

Collaborate in real time

Last viewed by Anne-Marie
20 mins ago

Opportunity Spotted

Recurring subscription costs you can cut

84%

Reconciled Automatically

Cash flow gap ahead

Detected 6 weeks in advance

Compliance update

E-invoicing: certified and ready for Sep 2026

84%

Reconciled Automatically

Accountants and businesses thrive on Pennylane

The AI-native OS that keeps accountants and businesses moving together, in real time.

Woman in a cream sweater and glasses working at a laptop in a dimly lit office, warm pendant lamps overhead.

Treasury balance

250,236.40 €

Live Balance across 4 bank accounts

See more

Collaborate in real time

Last viewed by Anne-Marie 20 mins ago

Opportunity Spotted

Recurring subscription costs you can cut

84%

Reconciled Automatically

Cash flow gap ahead

Detected 6 weeks in advance

Compliance update

E-invoicing: certified and ready for Sep 2026

84%

Reconciled Automatically

Accountants and businesses thrive on Pennylane

The AI-native OS that keeps accountants and businesses moving together, in real time.

Trusted by

BDO logo
RSM logo
  • BDO logo
  • RSM logo

Pennylane brings together invoicing
, accounting

€42,178

, and business banking
in one powerful AI-native platform
.

Pennylane brings together invoicing
, accounting

€42,178

, and business banking
in one powerful AI-native platform
.

Pennylane brings together invoicing
, accounting

€42,178

, and business banking
in one powerful AI-native platform
.

Pennylane balance

One source of truth

Updated in real time, for everyone, accountant and business, working from the same numbers

Pennylane tasks

AI that sees ahead

Opportunities, cash flow risks, funding needs, and growth levers, surfaced before you go looking.

Pennylane compliance

Compliance, automated

Bookkeeping and compliance handled in the background, so you plan instead of scramble.

Pennylane balance

One source of truth

Updated in real time, for everyone, accountant and business, working from the same numbers

Pennylane tasks

AI that sees ahead

Opportunities, cash flow risks, funding needs, and growth levers, surfaced before you go looking.

Pennylane compliance

Compliance, automated

Bookkeeping and compliance handled in the background, so you plan instead of scramble.

Pennylane balance

One source of truth

Updated in real time, for everyone, accountant and business, working from the same numbers

Pennylane tasks

AI that sees ahead

Opportunities, cash flow risks, funding needs, and growth levers, surfaced before you go looking.

Pennylane compliance

Compliance, automated

Bookkeeping and compliance handled in the background, so you plan instead of scramble.

Pennylane balance

One source of truth

Updated in real time, for everyone, accountant and business, working from the same numbers

Pennylane tasks

AI that sees ahead

Opportunities, cash flow risks, funding needs, and growth levers, surfaced before you go looking.

Pennylane compliance

Compliance, automated

Bookkeeping and compliance handled in the background, so you plan instead of scramble.

AI-powered everyone

Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."
Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."

AI-powered everyone

Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."
Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."
Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."

AI-powered everyone

Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."
Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."

AI-powered everyone

Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."
Woman with grey curly hair and glasses in a red-striped shirt, smiling while working through paperwork at a table.
Man in a white shirt and tan apron carrying a tray of wrapped bread past a bakery window.
Baker in a blue apron and striped skirt standing with arms crossed at a marble shop counter, loaves behind her.
Man in a navy T-shirt and glasses smiling as he works at a cluttered studio workbench.
Woman in a dark shirt checking her phone at a desk scattered with papers.
Woman in a white linen shirt in conversation across a table in a softly lit room."

The old way is done. Pennylane is built AI-native from the ground up, not retrofitted, so accountants and the businesses they serve can finally work from one live, shared truth.

Businesses on Pennylane

1.5million
1.5million
1.5million

Accounting firms

6,500+
6,500+
6,500+

Monthly invoices processed

20million
20million
20million

Monthly transaction value

21.7billion €
21.7billion €
21.7billion €
Éric Guillermou
Éric Guillermou

“

Pennylane meets a genuine need, providing our clients with an all-in-one solution instead of multiplying the number of tools they use. The platform is very easy to use, both for our clients and our teams.

Éric Guillermou

—

Partner and Chartered
Accountant at RSM

Stop selling hours. Start selling advice.

Pennylane is the AI-native OS built for accountants. One live production platform for bookkeeping, invoicing, VAT, compliance, and beyond. Automate admin. Spot opportunities, risks and growth signals, before the client even asks.

Baker in a dark apron standing with arms crossed in front of a display of bread.
Baker in a dark apron standing with arms crossed in front of a display of bread.
Woman in a navy shirt in conversation, looking toward someone off camera."

Advisory revenue increase

68%

Productivity Gain

27%

Firms on Pennylane

6,500+

Woman in a navy shirt in conversation, looking toward someone off camera."

AI-Powered Everyone

For accountants

Woman in a navy shirt in conversation, looking toward someone off camera."

Advisory revenue increase

68%

Productivity Gain

27%

Firms on Pennylane

6,500+

Woman in a navy shirt in conversation, looking toward someone off camera."

Stop selling hours. Start selling advice.

Pennylane is the AI-native OS built for accountants. One live production platform for bookkeeping, invoicing, VAT, compliance, and beyond. Automate admin. Spot opportunities, risks and growth signals, before the client even asks.

For businesses

Baker in a dark apron standing with arms crossed in front of a display of bread.

Businesses on Pennylane

1.5m

Shared with your accountant

Live

Ahead of new e-invoicing rules

Baker in a dark apron standing with arms crossed in front of a display of bread.

Your business account, your books, 
your accountant. In one place.

The all-in-one platform where your invoicing, business account, and accountant meet, so you always know where the business stands.

AI-Powered Everyone

For accountants

Woman in a navy shirt in conversation, looking toward someone off camera."

Advisory revenue increase

68%

Productivity Gain

27%

Firms on Pennylane

6,500+

Woman in a navy shirt in conversation, looking toward someone off camera."

Stop selling hours. Start selling advice.

Pennylane is the AI-native OS built for accountants. One live production platform for bookkeeping, invoicing, VAT, compliance, and beyond. Automate admin. Spot opportunities, risks and growth signals, before the client even asks.

For businesses

Baker in a dark apron standing with arms crossed in front of a display of bread.

Businesses on Pennylane

1.5m

Shared with your accountant

Live

Ahead of new e-invoicing rules

Baker in a dark apron standing with arms crossed in front of a display of bread.

Your business account, your books, 
your accountant. In one place.

The all-in-one platform where your invoicing, business account, and accountant meet, so you always know where the business stands.

Arnaud Naudan, CEO of BDO

Arnaud Naudan, CEO of BDO

“

Pennylane enables accounting firms and their clients to collaborate more effectively, so they can focus on advisory services and day-to-day decision-making.

Arnaud Naudan, CEO of BDO

Arnaud Naudan, CEO of BDO

“

Pennylane enables accounting firms and their clients to collaborate more effectively, so they can focus on advisory services and day-to-day decision-making.

Arnaud Naudan, CEO of BDO

Pennylane enables accounting firms and their clients to collaborate more effectively, so they can focus on advisory services and day-to-day decision-making.

Arnaud Naudan, CEO of BDO

“

Arnaud Naudan, CEO of BDO

Arnaud Naudan, CEO of BDO

“

Pennylane enables accounting firms and their clients to collaborate more effectively, so they can focus on advisory services and day-to-day decision-making.

0

1

2

3

Connect

AI
handles reconciliation, categorisation

Marketing

Bank Fees

Subscriptions

, and compliance
in the background.

Banking
logo
defacto logo
logo
, invoicing
Shopify logo
Stripe logo
, and existing tools sync
into one live

Accounting

Accounting

system.

See live opportunities

€21,543.57

,

€8,324.40

cash flow risks, funding needs, growth levers
.

0

1

2

3

Connect

AI
handles reconciliation, categorisation

Marketing

Bank Fees

Subscriptions

, and compliance
in the background.

0

1

2

3

Automate

Banking
Defacto logo
logo
, invoicing
Shopify logo
Stripe logo
, and existing tools sync
into one live

Accounting

Accounting

system.

0

1

2

3

Roadmap

See live opportunities

€21,543.57

,

€8,324.40

cash flow risks, funding needs, growth levers
.

0

1

2

3

Connect

AI
handles reconciliation, categorisation

Marketing

Bank Fees

Subscriptions

, and compliance
in the background.

0

1

2

3

Automate

Banking
logo
Defacto logo
logo
, invoicing
Shopify logo
Stripe logo
, and existing tools sync
into one live

Accounting

Accounting

system.

0

1

2

3

Roadmap

See live opportunities

€21,543.57

,

€8,324.40

cash flow risks, funding needs, growth levers
.

0

1

2

3

Connect

AI
handles reconciliation, categorisation

Marketing

Bank Fees

Subscriptions

, and compliance
in the background.

Automate

Banking
logo
defacto logo
logo
, invoicing
Shopify logo
Stripe logo
, and existing tools sync
into one live

Accounting

Accounting

system.

Roadmap

See live opportunities

€21,543.57

,

€8,324.40

cash flow risks, funding needs, growth levers
.

Pennylane in the press

2026

Forbes

Investors Are Pouring Millions Into Accounting’s Oldest Layer…

Read article

Forbes

Investors Are Pouring Millions Into Accounting’s Oldest Layer…

Forbes

Investors Are Pouring Millions Into Accounting’s Oldest Layer…

2026

Forbes

Investors Are Pouring Millions Into Accounting’s Oldest Layer…

2026

Bloomberg Businesswork

Pennylane is in talks for a potential investment at a XX mill...

Read article

Bloomberg Businesswork

Pennylane is in talks for a potential investment at a XX mill...

Bloomberg Businesswork

Pennylane is in talks for a potential investment at a XX mill...

2026

Bloomberg Businesswork

Pennylane is in talks for a potential investment at a XX mill...

2026

Fortune

Paris-based accounting fintech Pennylane raised XX million...

Read article

Fortune

Paris-based accounting fintech Pennylane raised XX million...

Fortune

Paris-based accounting fintech Pennylane raised XX million...

2026

Fortune

Paris-based accounting fintech Pennylane raised XX million...

Woman in a teal blouse and round glasses smiling as she types on a laptop at a shared desk, a colleague working behind her.

Your data stays yours

Never used to train
external models.

Bank-grade security.
Accountant-grade accuracy.

Close-up of a hand holding a card payment terminal showing a €25.00 charge as a blue card is tapped.

Encrypted everywhere

Encrypted in transit, encrypted at rest, encrypted twice where it matters most.

Three Pennylane Mastercard payment cards in green and brushed black, floating against a dark green background.

Always compliant

Certified and ready for e-invoicing and every regulation that follows.

Man in a denim shirt and glasses laughing during a meeting, papers in hand, seen across from a colleague.

2026 Pennylane. Placeholder legal entity line. Paris · Berlin · Barcelona

2026 Pennylane. Placeholder legal entity line. Paris · Berlin · Barcelona

2026 Pennylane. Placeholder legal entity line. Paris · Berlin · Barcelona

2026 Pennylane.
Placeholder legal entity line.
Paris · Berlin · Barcelona