Accounting · head to head
Moneybird vs Soldo
Moneybird
Accounting
Dutch online bookkeeping software for freelancers and growing entrepreneurs
- From
- Free
- Rated
- -
Soldo
Accounting
Prepaid company card and spend control platform for European businesses
- From
- £21/month
- Rated
- -
The short version
- Only Moneybird has a free tier, so it costs nothing to try first.
- Each has a real cost: Moneybird compact tier severely limits functionality with only 5 monthly transactions; 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 Moneybird and Soldo actually diverge.
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 Moneybird
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.
Moneybird
- Freelancer bookkeepingnot Soldo
- Small business accountingnot Soldo
- Growing entrepreneur accountingnot Soldo
- Full-featured bookkeeping managementnot Soldo
Soldo
- A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Moneybird
- A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Moneybird
- A UK company that cannot get approved for a credit-based corporate card programmenot Moneybird
- A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot Moneybird
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Moneybird
- Compact tier severely limits functionality with only 5 monthly transactions
- Bank connections limited to 5 on Start and Groei tiers until Compleet level
- Multi-user support only available starting at Groei tier (29 EUR/month)
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
Moneybird
Free- Compact$3/month
- 1 user
- 5 monthly transactions limit
- 0 bank connections
- Start$15/month
- 1 user
- 20 monthly transactions
- 5 bank connections
- Groei$29/month
- 5 users
- 50 monthly transactions
- 5 bank connections
- Compleet$41/month
- Unlimited users
- Unlimited monthly transactions
- Unlimited bank connections
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 Soldo if
- You need prepaid company cards.
- You work on Web, iOS, Android.
- You also want card-level budgets.
Questions people ask
- Is Moneybird or Soldo better?
- Neither clearly leads. Moneybird 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, Moneybird or Soldo?
- Moneybird has a free tier; the other does not. Paid plans start at Free for Moneybird and £21/month for Soldo.
- Does Moneybird or Soldo run on more platforms?
- Moneybird runs on Web. Soldo runs on Web, iOS, Android.
- Can I use Moneybird for free?
- Yes. Moneybird has a free tier, so you can try it without paying. Soldo starts at £21/month.
- What is Moneybird best used for?
- Moneybird is most often used for freelancer bookkeeping, small business accounting, growing entrepreneur accounting, full-featured bookkeeping management. Of those, freelancer bookkeeping and small business accounting are not what Soldo is typically brought in for.
- What can Moneybird do that Soldo cannot?
- Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.
Answered from the vendors’ own pages
Moneybird: How much does Moneybird cost and what free trial is available?
Plans start at EUR 3/month for Compact tier, with a 60-day free trial offering full Compleet access (EUR 41/month value) at no cost. Annual billing offers up to 25% discount across all tiers.
SourceSoldo: 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.
Moneybird: What user limits exist across different Moneybird plans?
Compact and Start tiers are limited to 1 user. Groei supports 5 users. Compleet tier has unlimited users, making it the only option for multi-team organizations.
SourceSoldo: 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.
Moneybird: How many transactions can I process monthly on each Moneybird tier?
Compact allows 5 transactions/month, Start allows 20, Groei allows 50, and Compleet allows unlimited transactions. Transaction limits reset monthly.
SourceSoldo: 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.
Moneybird: Do Moneybird plans have bank connection limits?
Compact tier has zero bank connections. Start and Groei tiers each support 5 bank connections. Only the Compleet tier (EUR 41/month) offers unlimited bank connections.
SourceRelated pages
Other head to heads
- Moneybird vs Ramp
- Moneybird vs QuickBooks
- Moneybird vs Airbase
- Moneybird vs Melio
- Moneybird vs sevdesk
- Moneybird vs Cledara
- Moneybird vs Lexware
- Moneybird vs Yooz
- Moneybird vs Billin
- Moneybird vs Conta
- Moneybird vs Brex
- Moneybird vs Qonto
- Moneybird vs Fyle
- Moneybird vs Microsoft Excel
- Moneybird vs Navan
- Moneybird vs Stampli
- Moneybird vs Tipalti
- Moneybird vs Pleo
- Moneybird vs Spendesk
- Moneybird vs Rydoo
- Moneybird vs Moss
- Moneybird vs Kodo
- Moneybird vs Divvy
- Moneybird vs Happay
- Moneybird vs Medius
- Moneybird vs Spendbase
- Moneybird vs Zoho Expense
- Moneybird vs Zuora
- Moneybird vs Airwallex
- Moneybird vs Bench
- Moneybird vs Billit
- Soldo vs Ramp
- Soldo vs QuickBooks
- Soldo vs Airbase
- Soldo vs Melio
- Soldo vs sevdesk
- Soldo vs Cledara
- Soldo vs Lexware
- Soldo vs Yooz
- Soldo vs Billin
- Soldo vs Conta
- Soldo vs Brex
- Soldo vs Qonto
- Soldo vs Fyle
- Soldo vs Microsoft Excel
- Soldo vs Navan
- Soldo vs Stampli
- Soldo vs Tipalti
- Soldo vs Pleo
- Soldo vs Spendesk
- Soldo vs Rydoo
- Soldo vs Moss
- Soldo vs Kodo
- Soldo vs Divvy
- Soldo vs Happay
- Soldo vs Medius
- Soldo vs Spendbase
- Soldo vs Zoho Expense
- Soldo vs Zuora
- Soldo vs Airwallex
- Soldo vs Bench
- Soldo vs Billit