Is Dinero or Soldo better?

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

Which is cheaper, Dinero or Soldo?

Dinero has a free tier; the other does not. Paid plans start at Free for Dinero and £21/month for Soldo.

Does Dinero or Soldo run on more platforms?

Dinero runs on Web. Soldo runs on Web, iOS, Android.

Can I use Dinero for free?

Yes. Dinero has a free tier, so you can try it without paying. Soldo starts at £21/month.

What is Dinero best used for?

Dinero is most often used for small business accounting. Of those, small business accounting is not what Soldo is typically brought in for.

What can Dinero do that Soldo cannot?

Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Accounting · head to head

Dinero vs Soldo

Dinero

Accounting

Danish accounting software for small businesses and self-employed

From: Free
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

Only Dinero has a free tier, so it costs nothing to try first.
Each has a real cost: Dinero free tier only for turnover under 100,000 DKK annually; 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.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Dinero and Soldo actually diverge.

Attributes where Dinero and Soldo differ
Attribute	Dinero	Soldo
Starting price	Free	£21/month
Pricing model	freemium	Per user per month
Free tier	Yes	No
Platforms	Web	Web, iOS, Android

Identical on both: 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 Dinero

Nothing recorded that Soldo does not also cover.

Only in Soldo

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

What people use each for

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

Dinero

Small business accountingnot Soldo

Soldo

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

Where each one falls short

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

Dinero

Free tier only for turnover under 100,000 DKK annually
Monthly billing costs 52 DKK more than annual on Starter+

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

Dinero

Free

StarterFree
- For businesses with turnover under 100,000 DKK annually
- Basic accounting functions
- Limited advisor guidance
Starter+$245/month
- Unlimited turnover
- Ad-free invoices
- 297 DKK if monthly billing
Pro$345/month
- Automatic booking suggestions
- Full bookkeeping support 8-22 daily
- 24/7 AI support
Total$545/month
- Annual financial statements included
- Prioritized chat support
- Unlimited risk and credit assessments

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 Dinero if

You want to start without paying.

Dinero 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 Dinero or Soldo better?: Neither clearly leads. Dinero starts at Free and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Dinero or Soldo?: Dinero has a free tier; the other does not. Paid plans start at Free for Dinero and £21/month for Soldo.
Does Dinero or Soldo run on more platforms?: Dinero runs on Web. Soldo runs on Web, iOS, Android.
Can I use Dinero for free?: Yes. Dinero has a free tier, so you can try it without paying. Soldo starts at £21/month.
What is Dinero best used for?: Dinero is most often used for small business accounting. Of those, small business accounting is not what Soldo is typically brought in for.
What can Dinero do that Soldo cannot?: Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Dinero: How much does Dinero cost?

Dinero offers a free Starter plan for businesses under 100,000 DKK annual turnover. Starter+ is 245 DKK/month (yearly) or 297 DKK/month (monthly billing). Pro is 345 DKK/month, and Total is 545 DKK/month.

Source

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.

Dinero: Is Dinero free?

Yes, Dinero offers a free Starter plan for businesses with annual turnover under 100,000 DKK, including basic accounting and limited advisor guidance.

Source

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.

Dinero: What discount does Dinero offer for multiple businesses?

A 33% discount applies when managing multiple businesses with Pro or Total subscriptions.

Source

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.

Dinero vs Soldo

Dinero

Soldo

The short version

Where they differ

What each one covers

Only in Dinero

Only in Soldo

What people use each for

Dinero

Soldo

Where each one falls short

Dinero

Soldo

Pricing, plan by plan

Dinero

Soldo

Which should you pick?

Choose Dinero if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Dinero

More on Soldo

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