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Accounting · head to head

Pleo vs Soldo

Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/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: Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas; 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.
  • They diverge on capability: Pleo covers Company cards, Soldo covers Prepaid company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Pleo and Soldo actually diverge.

Attributes where Pleo and Soldo differ
AttributePleoSoldo
Starting price£9.5/month£21/month
Pricing modelUnknownPer user per month
PlatformsiOS, Android, WebWeb, iOS, Android
Founded2015Unknown

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 Pleo

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

Only in Soldo

  • Prepaid company cards
  • Card-level budgets
  • Accounting export
  • Multi-currency wallets
  • Approval workflows

Both cover

  • Receipt capture

What people use each for

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

Pleo

  • Employee expensesnot Soldo
  • Spending autonomynot Soldo
  • Expense automationnot Soldo

Soldo

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

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

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

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 Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want expense categorization.
Pleo 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 Pleo or Soldo better?
Neither clearly leads. Pleo starts at £9.5/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Pleo or Soldo?
Pleo starts at £9.5/month and Soldo at £21/month.
Does Pleo or Soldo run on more platforms?
Pleo runs on iOS, Android, Web. Soldo runs on Web, iOS, Android.
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 Soldo is typically brought in for.
What can Pleo do that Soldo cannot?
Pleo covers Company cards, Expense categorization, Spend limits, Accounting sync. Soldo covers Prepaid company cards, Card-level budgets, Accounting export, Multi-currency wallets. Both handle Receipt capture.

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
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.

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
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.

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
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.

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
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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