Comparison

Pennylane vs BNI

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

Head to head
About

Pennylane

Manage your business finances, accounting, and banking in one integrated platform. Streamline invoicing, track expenses, analyze performance, and collaborate with your accountant.

Highlights
  • Integrated business account
  • Purchase and sales management
  • Performance analysis
  • Invoice management
  • 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

About

BNI

Manage your finances with this banking app. Open accounts online, access services, and make secure transactions like transfers and QR code payments. Track your cards, credits, and insurance all from your smartphone.

Highlights
  • Online account opening
  • Secure login with biometrics
  • Real-time account balance
  • Money transfers
  • QR code payments
  • Card management
  • Online credit applications
Features
Read full description

BNI MADAGASCAR, la première Banque Malagasy Une banque à portée de main Découvrez notre nouvelle application BNI qui révolutionne la gestion de vos finances. Conçue pour s’adapter à votre quotidien, elle vous permet de gérer vos comptes avec une simplicité inégalée, où que vous soyez et en toute sécurité. 1. Ouvrez votre compte 100% en ligne : Une première à Madagascar. En quelques minutes seulement, ouvrez votre compte BNI sans vous déplacer. Saisissez vos informations, chargez vos documents, choisissez le pack qui vous correspond et signez votre contrat en ligne grâce à la signature électronique. Sans papier, ni déplacement, tout se fait simplement, où que vous soyez. 2. Connectez-vous simplement : Accédez à votre compte en toute sécurité à chaque étape. Créez votre code d’accès, activez la reconnaissance faciale ou empreinte digitale pour une connexion rapide, sécurisée et sans effort. 3. Tous vos services à portée de main : Consultez vos comptes en temps réel. Gérez vos épargnes et suivez leur évolution facilement. Accédez à vos crédits en cours en un clic. Soyez toujours au courant de vos assurances en cours. 4. Virement : Envoyez de l’argent en quelques secondes. C’est simple, rapide et sécurisé. 5. Virements par QR Code : Scannez, envoyez, c’est réglé ! Effectuez des virements rapides entre comptes BNI grâce à la fonction QR Code. 6. Historique détaillé : Gardez un œil sur toutes vos transactions avec un historique clair et détaillé que vous pouvez même télécharger et archiver selon vos besoins. 7. Une nouvelle façon de gérer vos cartes : Consultez vos transactions, vos cartes actives ou opposées, et accédez à tous les détails en un clin d’œil. Tout est là, en toute sécurité. 8. Votre crédit 100 % en ligne, simple et instantané : Obtenir votre crédit n’a jamais été aussi facile : depuis votre smartphone, choisissez l'offre qui vous correspond, validez votre demande, et profitez de votre crédit immédiatement. Avec l’Application BNI, vous allez découvrir une nouvelle façon de souscrire à un crédit. 9. Paramètres et assistance : Ajustez vos préférences, mettez à jour vos informations directement dans les paramètres. Besoin d’aide ? Contactez notre service client directement depuis l’application. Une application conçue pour vous Une application entièrement repensée pour vous offrir une nouvelle expérience : fluide, rapide et agréable, tout en vous garantissant une sécurité optimale à chaque étape. Téléchargez l’application BNI dès aujourd’hui et avancez avec confiance. Votre banque est là pour vous, où que vous soyez.

Screenshots

Pennylane4 screens
BNI4 screens

Verdict

The call

The clearest difference is update cadence: Pennylane at weekly against BNI's every 2 months. Pennylane also leads on ratings volume (35 vs 4). BNI's advantage is rating (5.0 vs 4.6) and iOS requirement (9.0 vs 16.4). On price, review sentiment, ads and in-app purchases 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

BNI holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Pennylane has 35 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 67% of Pennylane's written reviews are positive against 63% of BNI's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Pennylane ships an update weekly, BNI every 2 months. The most recent releases landed on October 19, 2026 and October 16, 2026 respectively.

Scorecard4 real differences · 6 level
Pennylane versus BNI: the parameters behind the verdict, then further details
ParameterPennylaneBNI
PriceFreeFree
Rating4.6 (35 ratings)5.0 (4 ratings) — better
Positive reviews66.7% of reviews — better62.5% of reviews
Number of ratings35 — better4
Update frequencyWeekly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.49.0 — better
Further details — not scored
Size151 MB147 MB
Age rating4+4+
DeveloperPennylaneBNI MADAGASCAR

Customer experience

Pennylane

All ratings35 ratings
Positive91.4%
Neutral0.0%
Negative8.6%
Written reviews57 reviews
Positive66.7%
Neutral17.5%
Negative15.8%

BNI

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews8 reviews
Positive62.5%
Neutral12.5%
Negative25.0%

In-app purchases

None

Pennylane

No in-app purchases

None

BNI

No in-app purchases

Questions

Is Pennylane free?
Pennylane is free to download, with no in-app purchases.
Is BNI free?
BNI is free to download, with no in-app purchases.
Which has better reviews, Pennylane or BNI?
BNI is rated higher. Pennylane averages 4.6 out of 5 from 35 ratings, while BNI averages 5.0 from 4 ratings.
Do Pennylane or BNI have ads?
Neither Pennylane nor BNI shows ads.
Which is updated more often, Pennylane or BNI?
Pennylane ships an update weekly, and BNI every 2 months. Most recently, Pennylane was updated on October 19, 2026 and BNI on October 16, 2026.

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