Case Study: Pennylane boosts card spend with Swan’s tiered premium card offering

Pennylane boosts average card spend 4x with Swan

Pennylane, a French accounting and bookkeeping platform, wanted to turn its corporate card offering from a basic feature into a primary growth lever. Its one-size-fits-all card was failing to meet the needs of high-value customers, who used other cards for travel and international spending due to a lack of trust and protection, creating a ceiling on growth.

Partnering with Swan, Pennylane launched a three-tiered premium card offering with embedded insurance and competitive FX fees. This solution created a clear upgrade path for customers. The results were significant, with early data showing that the premium cards drove an average spend four times higher than the standard cards, validating the program's impact on growth. Swan handled the infrastructure and billing, allowing Pennylane to focus on customer adoption.

Pennylane