Is Circula or Soldo better?

Neither clearly leads. Circula starts at €15/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Circula or Soldo?

Circula starts at €15/month and Soldo at £21/month.

Does Circula or Soldo run on more platforms?

Both run on Web, iOS, Android, so platform support will not decide this one for you.

What is Circula best used for?

Circula is most often used for a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure, a finance team wanting card spend, expense claims and benefits in one datev export, an employer offering the tax free monthly benefit allowance and needing auditable records of it, a mid sized business replacing spreadsheet mileage claims with rule enforced distance calculations. Of those, a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure and a finance team wanting card spend, expense claims and benefits in one datev export are not what Soldo is typically brought in for.

What can Circula do that Soldo cannot?

Circula covers German per diem engine, Receipt capture and OCR, Corporate credit cards, Employee benefits. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Both handle Approval workflows.

Accounting · head to head

Circula vs Soldo

Circula

Accounting

Expense, travel and employee benefit management for German speaking finance teams

From: €15/month
Rated: -

Full review Website

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From: £21/month
Rated: -

Full review Website

The short version

Each has a real cost: Circula the module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
They diverge on capability: Circula covers German per diem engine, Soldo covers Prepaid company cards.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Circula and Soldo actually diverge.

Attributes where Circula and Soldo differ
Attribute	Circula	Soldo
Starting price	€15/month	£21/month

Identical on both: pricing model (Per user per month), free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Circula

German per diem engine
Receipt capture and OCR
Corporate credit cards
Employee benefits
Accounts payable
Mileage and travel
DATEV and ERP export

Only in Soldo

Prepaid company cards
Card-level budgets
Receipt capture
Accounting export
Multi-currency wallets

Both cover

Approval workflows

What people use each for

The jobs each tool is most often brought in to do.

Circula

A German company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposurenot Soldo
A finance team wanting card spend, expense claims and benefits in one DATEV exportnot Soldo
An employer offering the tax free monthly benefit allowance and needing auditable records of itnot Soldo
A mid sized business replacing spreadsheet mileage claims with rule enforced distance calculationsnot Soldo

Soldo

A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Circula
A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Circula
A UK company that cannot get approved for a credit-based corporate card programmenot Circula
A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot Circula

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Circula

The module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.
A minimum of ten licences excludes small teams, and the flexible licensing model for occasional claimants makes monthly cost harder to forecast than a flat per seat price.
Strength is in German tax rules, so companies with significant operations outside the DACH region gain little from the feature that justifies the price.
The accounts payable module includes only a hundred invoices per month, so invoice heavy businesses face metered overage on top of the platform fee.
Card issuing carries a per card transaction ceiling and depends on partner issuing, so high value procurement spend can hit limits that a bank issued corporate card would not.

Soldo

Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.

Pricing, plan by plan

Circula

€15/month

Employee and Travel Expenses$15/month
- Per licence, billed annually
- Minimum 10 licences
- OCR receipt capture
Credit Cards$99/month
- Platform fee, unlimited cards
- Per card spend limits
- Transaction limit of EUR 750,000 per card
Accounts Payable$149/month
- Platform fee
- Includes 100 invoices per month
- Supplier invoice capture and approval
Benefits$1/month
- Per licence
- Tax free benefit allowances
- Mobility and meal benefits

Soldo

£21/month

Standard$21/month
- Three users included
- Around £7 per additional user per month
- Physical card issuance fee around £5, virtual around £1
Plus$33/month
- Three users included
- Around £11 per additional user per month
- Advanced approval and multi-currency features
Enterprise$undefined/month
- Quoted pricing
- Custom card volumes and entity structures
- Dedicated account management

Which should you pick?

Choose Circula if

You need german per diem engine.
You work on Web, iOS, Android.
You also want receipt capture and ocr.

Circula review

Choose Soldo if

You need prepaid company cards.
You work on Web, iOS, Android.
You also want card-level budgets.

Soldo review

Questions people ask

Is Circula or Soldo better?: Neither clearly leads. Circula starts at €15/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Circula or Soldo?: Circula starts at €15/month and Soldo at £21/month.
Does Circula or Soldo run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Circula best used for?: Circula is most often used for a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure, a finance team wanting card spend, expense claims and benefits in one datev export, an employer offering the tax free monthly benefit allowance and needing auditable records of it, a mid sized business replacing spreadsheet mileage claims with rule enforced distance calculations. Of those, a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure and a finance team wanting card spend, expense claims and benefits in one datev export are not what Soldo is typically brought in for.
What can Circula do that Soldo cannot?: Circula covers German per diem engine, Receipt capture and OCR, Corporate credit cards, Employee benefits. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Both handle Approval workflows.

Answered from the vendors’ own pages

Circula: Does Circula calculate German per diems automatically?

Yes, by destination country and trip duration, including meal and accommodation deductions, which is the main reason DACH finance teams buy it.

Soldo: Is Soldo a credit card?

No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.

Circula: What does it actually cost for fifty employees?

Roughly seven hundred and fifty euro a month for expense licences alone at the fifteen euro rate, before the ninety nine euro card platform fee and any accounts payable module.

Soldo: What licence does Soldo hold?

Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.

Circula: Is there a minimum commitment?

Yes. A minimum of ten licences and annual billing on the published rates.

Soldo: What does it really cost for twenty users?

Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.

Circula vs Soldo

Circula

Soldo

The short version

Where they differ

What each one covers

Only in Circula

Only in Soldo

Both cover

What people use each for

Circula

Soldo

Where each one falls short

Circula

Soldo

Pricing, plan by plan

Circula

Soldo

Which should you pick?

Choose Circula if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Circula

More on Soldo

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