Is Hnry or Soldo better?

Neither clearly leads. Hnry starts at 1/per $100 income and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Hnry or Soldo?

Hnry starts at 1/per $100 income and Soldo at £21/month.

Does Hnry or Soldo run on more platforms?

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

What is Hnry best used for?

Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Soldo is typically brought in for.

What can Hnry do that Soldo cannot?

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

Accounting · head to head

Hnry vs Soldo

Hnry

Accounting

Accounting for sole traders and the self-employed

From: 1/per $100 income
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: Hnry service limited to self-employed sole traders in New Zealand only; 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 Hnry and Soldo actually diverge.

Attributes where Hnry and Soldo differ
Attribute	Hnry	Soldo
Starting price	1/per $100 income	£21/month
Pricing model	usage-based	Per user per month
Platforms	Web	Web, iOS, Android

Identical on both: free tier (No), 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 Hnry

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.

Hnry

Calculating quarterly tax without manual bookkeepingnot Soldo
Logging expenses via photo instantlynot Soldo
Sending unlimited invoices with auto-follow-upnot Soldo
Automatically withholding income taxes year-roundnot Soldo

Soldo

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

Where each one falls short

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

Hnry

Service limited to self-employed sole traders in New Zealand only
1% + GST fee with $1,500 annual maximum cap
Minimum $0.50 fee per transaction for payments under $50

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

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

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 Hnry if

Nothing in the data separates Hnry from Soldo on the points above - pick on price and on how each one feels to use.

Hnry 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 Hnry or Soldo better?: Neither clearly leads. Hnry starts at 1/per $100 income and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Soldo?: Hnry starts at 1/per $100 income and Soldo at £21/month.
Does Hnry or Soldo run on more platforms?: Hnry runs on Web. Soldo runs on Web, iOS, Android.
What is Hnry best used for?: Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Soldo is typically brought in for.
What can Hnry do that Soldo cannot?: Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

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.

Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

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.

Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

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.

Hnry vs Soldo

Hnry

Soldo

The short version

Where they differ

What each one covers

Only in Hnry

Only in Soldo

What people use each for

Hnry

Soldo

Where each one falls short

Hnry

Soldo

Pricing, plan by plan

Hnry

Soldo

Which should you pick?

Choose Hnry if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Hnry

More on Soldo

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