Pennylane vs MMA Assurances
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pennylane
This all-in-one financial tool integrates business accounting, purchase and sales management, and a business account. It simplifies invoice handling, provides performance analysis, and facilitates collaboration with accountants. Over 180,000 French companies use it for streamlined financial operations.
- Integrated Business Account
- Purchase and Sales Management
- Invoice Creation and Sending
- Performance Analysis
- Accountant Collaboration
- Over 300 Integrations
- Real-time Cash Flow Tracking
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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
MMA Assurances
Manage all your insurance contracts, savings, and health reimbursements on the go. Submit claims, download attestations, and access exclusive partner benefits. Stay updated on contract events and MMA news.
- View and manage insurance contracts
- Track savings and manage operations
- Submit and track health reimbursements
- Download insurance attestations
- Report and track auto/home claims
- Access partner benefits
- Secure messaging and agency locator
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L’app MMA Assurances s’adresse aux client·e·s MMA. Vous y retrouvez vos contrats d’assurance et tous vos services, accessibles à tout moment et où que vous soyez, depuis votre smartphone ! CONTRATS Visualisez et gérez facilement : - vos contrats privés : santé, auto, moto, habitation, épargne, scolaire, protection juridique… - vos contrats professionnels : multirisque pro, auto pro, responsabilité civile pro, local pro, garantie décennale, santé et prévoyance collective… EPARGNE Accédez au suivi de votre épargne Gérez vos opérations d’épargne (versements, rachats partiels…) SANTÉ Simplifiez vos demandes de remboursements santé en les adressant à partir de photos prises depuis votre smartphone Suivez vos remboursements d’un coup d’œil depuis votre app Profitez de tous les services santé MySantéClair ATTESTATIONS Téléchargez facilement vos attestations : scolaire, responsabilité civile, tiers payant santé… SINISTRES Contactez Assistance en cas d’urgence, 24h/24 et 7j/7 Déclarez vos sinistres auto et habitation Suivez leur résolution ACTUALITÉS Soyez alerté·e quant aux évènements liés à vos contrats (contrat à signer, réception d’un nouveau message…) Découvrez des conseils, des informations Restez informé·e des actualités MMA PAIEMENTS Consultez vos factures et avis d’échéance Payez en ligne AVANTAGES Découvrez les avantages négociés pour vous par MMA auprès de dizaines de partenaires ! CONTACTS Facilitez vos échanges de messages et documents grâce à la messagerie sécurisée Géolocalisez votre agence et consultez ses horaires d’ouverture Votre application MMA Assurance sera régulièrement enrichie de nouvelles fonctionnalités pour vous apporter toujours plus de services et de simplicité. A cette fin, vos commentaires et suggestions nous sont précieux ! En cas de difficulté, pour toute question ou suggestion, n’hésitez pas à nous envoyer un email à service.client@groupe-mma.fr Bonne navigation !
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Verdict
The clearest difference is review sentiment: MMA Assurances at 95% against Pennylane's 67%. Pennylane's advantage is update cadence (weekly vs every 5 weeks) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Pennylane ships an update weekly, MMA Assurances every 5 weeks. The most recent releases landed on November 11, 2026 and November 12, 2026 respectively.
| Parameter | Pennylane | MMA Assurances |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (35 ratings) — better | — |
| Positive reviews | 67.2% of reviews | 95.2% of reviews — better |
| Number of ratings | 35 — better | — |
| Update frequency | Weekly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.4 — better | 16.6 |
| Further details — not scored | ||
| Size | 175 MB | 81 MB |
| Age rating | 4+ | 17+ |
| Developer | Pennylane | MMA |
Customer experience
Pennylane
MMA Assurances
In-app purchases
Pennylane
No in-app purchases
MMA Assurances
No in-app purchases









