Softwr

Accounting · head to head

Navan vs Soldo

Navan logo

Navan

Accounting

AI-powered corporate travel and expense management with integrated corporate card

From
Free
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

  • Only Navan has a free tier, so it costs nothing to try first.
  • Each has a real cost: Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs; 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 Navan and Soldo actually diverge.

Attributes where Navan and Soldo differ
AttributeNavanSoldo
Starting priceFree£21/month
Pricing modelfreemiumPer user per month
Free tierYesNo
PlatformsWeb, iOS, Android, APIWeb, 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 Navan

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.

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Soldo
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Soldo
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Soldo
  • Global enterprises requiring multi-currency support and ERP integrationnot Soldo
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Soldo

Soldo

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

Where each one falls short

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

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

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

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

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 Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan 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 Navan or Soldo better?
Neither clearly leads. Navan 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, Navan or Soldo?
Navan has a free tier; the other does not. Paid plans start at Free for Navan and £21/month for Soldo.
Does Navan or Soldo run on more platforms?
Navan runs on Web, iOS, Android, API. Soldo runs on Web, iOS, Android.
Can I use Navan for free?
Yes. Navan has a free tier, so you can try it without paying. Soldo starts at £21/month.
What is Navan best used for?
Navan is most often used for mid-market and enterprise companies automating travel and expense workflows, organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts, teams utilising corporate card programmes for spend tracking without receipt capture overhead, global enterprises requiring multi-currency support and erp integration. Of those, mid-market and enterprise companies automating travel and expense workflows and organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts are not what Soldo is typically brought in for.
What can Navan do that Soldo cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

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.

Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

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.

Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

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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