Softwr

Accounting · head to head

Pleo vs sevdesk

Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/month
Rated
-
Full reviewWebsite
sevdesk logo

sevdesk

Accounting

German accounting and invoicing software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only sevdesk has a free tier, so it costs nothing to try first.
  • Each has a real cost: Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas; sevdesk the free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Pleo and sevdesk actually diverge.

Attributes where Pleo and sevdesk differ
AttributePleosevdesk
Starting price£9.5/monthFree
Pricing modelUnknownfreemium
Free tierNoYes
PlatformsiOS, Android, WebWeb
Founded2015Unknown

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 Pleo

  • Company cards
  • Receipt capture
  • Expense categorization
  • Spend limits
  • Accounting sync
  • Xero
  • QuickBooks
  • Sage

Only in sevdesk

Nothing recorded that Pleo does not also cover.

What people use each for

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

Pleo

  • Employee expensesnot sevdesk
  • Spending autonomynot sevdesk
  • Expense automationnot sevdesk

sevdesk

  • Scanning receipts via mobile app and matching to transactionsnot Pleo
  • Creating VAT advance returns and filing with tax authoritiesnot Pleo
  • Generating XRechnung format invoices mandatory for B2B by 2025not Pleo
  • Recording bank transactions automatically across 4000+ supported banksnot Pleo
  • Managing unlimited invoices with automatic sales tax calculationsnot Pleo

Where each one falls short

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

Pleo

  • Card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
  • Limited expense categories and tags reduce flexibility for complex accounting structures
  • Transaction approval workflows have minimal customization options
  • Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

sevdesk

  • The free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
  • API access and cost center tracking are reserved for the top Buchhaltung Pro tier at EUR 13.95 to EUR 34.90/month depending on commitment length, not included in the mid-tier Buchhaltung plan

Pricing, plan by plan

Pleo

£9.5/month
  • Starter$9.5/month
    • Company cards
    • Real-time expense tracking
    • Automated reports
  • Essential$39/month
    • Reimbursements
    • Mileage and per diem
    • Vendor cards
  • Advanced$89/month
    • Cashback
    • Budgets
    • Multi-entity management
  • Beyond$179/month
    • Spending insights
    • Sub-wallets
    • Dedicated success manager

sevdesk

Free
  • FreeFree
    • Permanently free with no credit card required
    • Up to 3 invoices/e-invoices monthly
    • Unlimited contact creation
  • Rechnung (Invoice Plan)$11.9/month
    • Regular: €11.90/month, discounted to €4.45/month on 24-month term
    • Unlimited invoices, offers, e-invoices, and payment reminders
  • Buchhaltung (Accounting Plan)$25.9/month
    • Recommended plan
    • Regular: €25.90/month, discounted to €9.95/month on 24-month term
    • Bookkeeping features, AI-powered receipt capture, tax filing
  • Buchhaltung Pro (Accounting Pro)$34.9/month
    • Regular: €34.90/month, discounted to €13.95/month on 24-month term
    • Cost center analysis, REST-API access, business financial analysis (BWA)

Which should you pick?

Choose Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want receipt capture.
Pleo review

Choose sevdesk if

  • You want to start without paying.
sevdesk review

Questions people ask

Is Pleo or sevdesk better?
Neither clearly leads. Pleo starts at £9.5/month and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Pleo or sevdesk?
sevdesk has a free tier; the other does not. Paid plans start at £9.5/month for Pleo and Free for sevdesk.
Does Pleo or sevdesk run on more platforms?
Pleo runs on iOS, Android, Web. sevdesk runs on Web.
Can I use sevdesk for free?
Yes. sevdesk has a free tier, so you can try it without paying. Pleo starts at £9.5/month.
What is Pleo best used for?
Pleo is most often used for employee expenses, spending autonomy, expense automation. Of those, employee expenses and spending autonomy are not what sevdesk is typically brought in for.
What can Pleo do that sevdesk cannot?
Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

Answered from the vendors’ own pages

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

Source
sevdesk: How much does sevdesk cost?

sevdesk offers a free plan and three paid tiers. Invoice Plan starts at €11.90/month (€4.45/month on 24-month), Accounting Plan at €25.90/month (€9.95/month on 24-month), and Accounting Pro at €34.90/month (€13.95/month on 24-month).

Source
Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

Source
sevdesk: What is included in sevdesk's free plan?

The free plan allows creation of up to 3 invoices/e-invoices monthly, unlimited contact creation, and access to support materials. No credit card is required.

Source
Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

Source
sevdesk: What add-ons are available for sevdesk?

sevdesk offers optional add-ons priced €3.90-€19.90/month including premium layouts, additional users, inventory management, and time tracking. Premium services such as setup consultations start at €24.90.

Source
Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source
sevdesk: Does sevdesk offer a promotional discount?

Yes, sevdesk advertises up to 50% discount through a time-limited Black Cyber Deal offering 60% off all plans. Additionally, all paid plans include 24-month term options with significant savings (up to 62% discount).

Source
Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source
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