---
description: Compare Penny vs Circula to learn about each of the product's price, benefits and disadvantages. Choose the best software for your business in Australia.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Penny vs Circula Comparison - Capterra Australia 2026
---

Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Penny \<span\>vs\</span\> Circula](https://www.capterra.com.au/compare/160900/185116/penny/vs/circula)

# Compare Penny vs Circula

Canonical: https://www.capterra.com.au/compare/160900/185116/penny/vs/circula

> Detailed comparison between Penny and Circula. Check ratings, reviews, pricing, and features to make the best decision for your business.

-----

## At a Glance

| Metric | Penny | Circula |
| **Overall rating** | 4.1/5 | 4.6/5 |
| **Total Reviews** | 10 | 564 |
| **Starting Price** | - | EUR 10.00 |
| **Free Trial** | Yes | Yes |
| **Free Version** | Yes | No |
| **Deployment** | Cloud, SaaS, Web-based | Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile) |
| **Support** | 24/7 (Live rep) | Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support, Chat |
| **Training** | Live Online, Documentation | In Person, Live Online, Webinars, Documentation, Videos |

## Best for

### Penny

Small to medium sized businesses with between 5-250 employees.

### Circula

Circula wants to enable medium- and large-sized and internationally oriented companies across Europe to manage their expense management and benefits administration fully paperless and compliant.

## Key features

### Penny

- API
- Activity Dashboard
- Approval Process Control
- Data Import/Export
- Mobile Receipt Upload
- Receipt Management
- Spend Control
- Transaction Monitoring

### Circula

- API
- Accounting
- Activity Dashboard
- Activity Tracking
- Approval Process Control
- Benefits Dashboard
- Configurable Workflow
- Customizable Reports
- Dashboard
- Data Import/Export
- Employee Self Service
- Mobile Receipt Upload
- Multi-Currency
- Policy Management
- Real-Time Data
- Receipt Management
- Reimbursement Management
- Reminders
- Spend Control

## Links

- [View Penny Profile](https://www.capterra.com.au/software/160900/penny)
- [View Circula Profile](https://www.capterra.com.au/software/185116/circula)
- [View Original Comparison](https://www.capterra.com.au/compare/160900/185116/penny/vs/circula)

-----

## Structured Data

<script type="application/ld+json">
  {"@context":"https://schema.org","@graph":[{"name":"Penny vs Circula Comparison - Capterra Australia 2026","description":"Compare Penny vs Circula to learn about each of the product's price, benefits and disadvantages. Choose the best software for your business in Australia.","url":"https://www.capterra.com.au/compare/160900/185116/penny/vs/circula","about":[{"@id":"https://www.capterra.com.au/software/160900/penny#software"},{"@id":"https://www.capterra.com.au/software/185116/circula#software"}],"breadcrumb":{"@id":"https://www.capterra.com.au/compare/160900/185116/penny/vs/circula#breadcrumblist"},"@id":"https://www.capterra.com.au/compare/160900/185116/penny/vs/circula#webpage","@type":["WebPage","CollectionPage"],"isPartOf":{"@id":"https://www.capterra.com.au/#website"},"inLanguage":"en-AU","publisher":{"@id":"https://www.capterra.com.au/#organization"}},{"name":"Penny","description":"Penny Inc is an expense management system created for small to medium businesses. A reloadable debit MasterCard is integrated with an expense management app, enabling you to automate your business expenses.\nBusiness owners gain real-time insight into employee spend, containing budgets and reducing leakage. Penny Inc integrates with most major cloud accounting systems for seamless account reconciliation. No more manual spreadsheets, reimbursement claims, lost receipts, and unauthorized spend.","url":"https://www.capterra.com.au/software/160900/penny","@id":"https://www.capterra.com.au/software/160900/penny#software","@type":"SoftwareApplication","publisher":{"@id":"https://www.capterra.com.au/#organization"},"applicationCategory":"BusinessApplication","aggregateRating":{"@type":"AggregateRating","ratingValue":4.1,"bestRating":5,"ratingCount":10},"operatingSystem":"Cloud"},{"name":"Circula","description":"The first all-in-one app for expenses, travel expenses, credit cards and employee benefits\n\nOur intuitive and compliant app enables companies and employees to bill travel expenses, expenses, credit cards, and benefits 100% digitally and highly automatically. Powerful interfaces to financial and payroll accounting as well as travel and HR systems throughout Europe enable a secure end-to-end process and efficient cooperation between accounting, controlling, and HR.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductScreenshot/6fa7464e-2597-4545-9c29-221ad60ce6d5.png","url":"https://www.capterra.com.au/software/185116/circula","@id":"https://www.capterra.com.au/software/185116/circula#software","@type":"SoftwareApplication","publisher":{"@id":"https://www.capterra.com.au/#organization"},"applicationCategory":"BusinessApplication","aggregateRating":{"@type":"AggregateRating","ratingValue":4.6,"bestRating":5,"ratingCount":564},"offers":{"price":"10","@type":"Offer","priceCurrency":"EUR"},"operatingSystem":"Cloud, Android, Platform ios"},{"@id":"https://www.capterra.com.au/compare/160900/185116/penny/vs/circula#breadcrumblist","@type":"BreadcrumbList","itemListElement":[{"name":"Home","position":1,"item":"/","@type":"ListItem"},{"name":"Payment Processing Software","position":2,"item":"/directory/30232/payment-processing/software","@type":"ListItem"},{"name":"Penny vs Circula","position":3,"item":"https://www.capterra.com.au/compare/160900/185116/penny/vs/circula","@type":"ListItem"}]}]}
</script>