Comparison

Swile vs Pennylane

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Swile

This app consolidates all your employee benefits, including meal vouchers, gift cards, and personal funds, onto a single virtual card. Manage your balance, view transactions, and access your PIN code all within the application.

Highlights
  • Consolidated employee benefits
  • Virtual card for mobile payments
  • View balance and transactions
  • Access PIN code
  • Donate to charities
  • Exclusive deals and offers
Features
Read full description

Swile, the card and app for employees. We can't make it any simpler than that. Swile is: - The card that makes it ultra-easy to spend all your employee benefits: Meal vouchers, gift cards, mobility vouchers, holiday benefits, and even your personal money. Why spend time shuffling through different cards and vouchers when there's one card that can do it all? - The card that you can use almost anywhere: You heard us right - if you're out and about right now, look up and walk into the restaurant or store in front of you. And voilà, your Swile card will work in there! - The card that lets you spend down to the very last penny. You never need to hear "Sorry, we don't give change!" again! ». - The card you can use to pay for anything without worrying about the payment limit or remaining balance. Sure, we were all told at school that mental maths is great and all, but you don't need it with us. - Plus, it's a 100% virtual card. You can choose to have it on your phone or on your phone, and not in your wallet. So, no plastic, even if it used to be seen as fantastic. Swile is also: - The application that lets you view your balance, past transactions and PIN code. In short, anything that can be view, you can view it with Swile. - The app that makes it easier to donate to your charities of choice. - The app that boosts your purchasing power with good deals. The Swile app is all about off course, there are many new features to come that will totally blow your mind, sweep you off your feet, take your breath away, but we don't want to get carried away. If you want to let us know how much you love Swile, get in touch at: hello@swile.fr Why not give us a follow? Find us on: Linkedin - Twitter - Instagram - Facebook - but not on the streets! Have a good day with Swile.

About

Pennylane

This app offers an integrated solution for managing business finances, accounting, and banking. It provides tools for purchase and sales management, performance analysis, and a business account with features like free cards and unlimited transfers.

Highlights
  • Integrated business finances and accounting
  • Purchase and sales management
  • Performance analysis
  • Pro Account with free cards and transfers
  • Invoice management (FacturX format)
  • Collaboration with accountants
  • Over 300 integrations
Features
Read full description

Pennylane is the tool that brings together your finances, your accounting, and your Business Account! Discover the all-in-one solution for your business that includes purchase and sales management tools, performance analysis, and a Pro Account 100% integrated with your accounting. Pennylane is PDP certified! Receive and send your invoices in the FacturX format even before the reform is applied. Over 180,000 French companies and 2,500 accounting firms have already joined Pennylane. What changes with Pennylane: - Manage your activity from a single space: the purchase and sales modules allow you a complete management of your activity. Quotes, invoices, subscriptions, sales reminders... manage all your finances in one place! - Make better decisions: Pennylane allows you to access all the data of your activity and analyze it from a single platform. - Collaborate more effectively with your accountant: keep your accounting up-to-date in real-time. Pennylane suggests reconciliations to carry out and actions to perform. - Over 300 integrations available: simplify the retrieval of your flows and the management of your activity by connecting to your business tools directly from Pennylane. Get the Pennylane Pro Account including: - Free cards and unlimited free transfers: Enjoy customizable virtual or physical Mastercard cards and pay easily via SEPA transfer. - French IBAN, secured funds: Entrust your funds to a secured institution approved by the Banque de France (ACPR). - Payment of supplier invoices: Settle up to 400 invoices in one click, reconciliation and lettering are automatic. - Simplified collection of receipts: No more hunting for receipts! Receive a mobile notification with every transaction made with the Business Account card. Included in the mobile app: - Business Account: Initiate transfers, manage your bank cards and receive a mobile notification with every transaction made with your Pennylane Business Account. - Invoice management: Upload your purchase invoices, expense reports and follow their validation - Categorization: Categorize all your transactions and expense reports at the right time, without delay - Customer billing management: Create your sales quotes and invoices and send them to your clients - Accounting requests: Collaborate with your team and your accountant via comments and notifications - Track your cash flow and other key indicators

Screenshots

Swile4 screens
Pennylane4 screens

Verdict

The call

The clearest difference is monetization model: Pennylane at free against Swile's free with in-app purchases. Swile's advantage is review sentiment (88% vs 67%) and ratings volume (353 vs 35). On price, rating, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Swile against 4.6 for Pennylane. That said, the two scores are not equally well evidenced: Swile has 353 ratings behind it against 35, so its average is the more settled of the two. Written reviews are what separate them: 88% of Swile's written reviews are positive against 67% of Pennylane's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
Swile versus Pennylane: the parameters behind the verdict, then further details
ParameterSwilePennylane
PriceFreeFree
Rating4.7 (353 ratings) — better4.6 (35 ratings)
Positive reviews88.5% of reviews — better67.2% of reviews
Number of ratings353 — better35
Update frequencyWeeklyWeekly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better16.4
Further details — not scored
Size243 MB152 MB
Age rating4+4+
DeveloperSwilePennylane

Customer experience

Swile

All ratings353 ratings
Positive91.8%
Neutral4.2%
Negative4.0%
Written reviews26 reviews
Positive88.5%
Neutral3.8%
Negative7.7%

Pennylane

All ratings35 ratings
Positive91.4%
Neutral0.0%
Negative8.6%
Written reviews58 reviews
Positive67.2%
Neutral17.2%
Negative15.5%

In-app purchases

None

Swile

No in-app purchases

None

Pennylane

No in-app purchases

Questions

Is Swile free?
Swile is free to download, with no in-app purchases.
Is Pennylane free?
Pennylane is free to download, with no in-app purchases.
Which has better reviews, Swile or Pennylane?
Swile is rated higher. Swile averages 4.7 out of 5 from 353 ratings, while Pennylane averages 4.6 from 35 ratings.
Do Swile or Pennylane have ads?
Neither Swile nor Pennylane shows ads.
Which is updated more often, Swile or Pennylane?
Swile ships an update weekly, and Pennylane weekly. Most recently, Swile was updated on November 2, 2026 and Pennylane on November 3, 2026.

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