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Accounting · head to head

IRIS KashFlow vs Soldo

IRIS KashFlow logo

IRIS KashFlow

Accounting

Online accounting software for UK sole traders and small businesses

From
£13.5/month
Rated
-
Full reviewWebsite
Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: IRIS KashFlow advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting; 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 IRIS KashFlow and Soldo actually diverge.

Attributes where IRIS KashFlow and Soldo differ
AttributeIRIS KashFlowSoldo
Starting price£13.5/month£21/month
Pricing modelsubscriptionPer user per month
PlatformsWebWeb, 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 IRIS KashFlow

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.

IRIS KashFlow

  • business accountingnot Soldo
  • invoicing and billingnot Soldo
  • VAT managementnot Soldo

Soldo

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

Where each one falls short

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

IRIS KashFlow

  • Advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Listed prices are in GBP plus VAT, and the platform's plans are built around UK VAT filing rather than other tax regimes
  • Annual pricing is quoted at RRP £162/year (Starter) and £291.50/year (Business) before the same promotional reduction

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

IRIS KashFlow

£13.5/month
  • Starter Monthly$13.5/month
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Monthly$27.5/month
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access
  • Starter Annual$162/year
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Annual$291.5/year
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access

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 IRIS KashFlow if

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

IRIS KashFlow 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 IRIS KashFlow or Soldo better?
Neither clearly leads. IRIS KashFlow starts at £13.5/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, IRIS KashFlow or Soldo?
IRIS KashFlow starts at £13.5/month and Soldo at £21/month.
Does IRIS KashFlow or Soldo run on more platforms?
IRIS KashFlow runs on Web. Soldo runs on Web, iOS, Android.
What is IRIS KashFlow best used for?
IRIS KashFlow is most often used for business accounting, invoicing and billing, vat management. Of those, business accounting and invoicing and billing are not what Soldo is typically brought in for.
What can IRIS KashFlow do that Soldo cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

IRIS KashFlow: What are IRIS KashFlow's core features across all plans?

All IRIS KashFlow plans include unlimited quotes, online VAT submission, mobile app access, 50+ reports, bank feeds, receipt capture, multi-currency support, and payroll for up to 5 employees.

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.

IRIS KashFlow: Are there promotional discounts for new IRIS KashFlow customers?

Yes, new customers receive a 90% discount for 6 months on both Starter and Business monthly plans.

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.

IRIS KashFlow: Can multiple users access IRIS KashFlow on the Starter plan?

No, the Starter plan is limited to single-user access only. Multi-user access requires the Business plan.

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.

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