Softwr

Accounting · head to head

Rydoo vs Soldo

Rydoo logo

Rydoo

Accounting

Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams

From
$10/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: Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.; 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: Rydoo covers Receipt OCR, Soldo covers Prepaid company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Rydoo and Soldo actually diverge.

Attributes where Rydoo and Soldo differ
AttributeRydooSoldo
Starting price$10/month£21/month

Identical on both: pricing model (Per user per month), free tier (No), platforms (Web, iOS, Android), 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 Rydoo

  • Receipt OCR
  • Per diem engine
  • Mileage
  • VAT fields
  • Multi-entity
  • ERP export

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.

Rydoo

  • A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Soldo
  • A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Soldo
  • A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Soldo
  • A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot Soldo

Soldo

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

Where each one falls short

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

Rydoo

  • A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
  • There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
  • Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
  • Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.

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

Rydoo

$10/month
  • Essentials$10/month
    • Around 9 per user per month billed annually
    • Five-user minimum
    • Receipt capture, approvals and accounting export
  • Pro$12/month
    • Around 11 per user per month billed annually
    • Per diem engine and advanced policy controls
    • Multi-entity and multi-currency handling
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom ERP and single sign-on work
    • Dedicated support and onboarding

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 Rydoo if

  • You need receipt ocr.
  • You work on Web, iOS, Android.
  • You also want per diem engine.
Rydoo 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 Rydoo or Soldo better?
Neither clearly leads. Rydoo starts at $10/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Rydoo or Soldo?
Rydoo starts at $10/month and Soldo at £21/month.
Does Rydoo or Soldo run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Rydoo best used for?
Rydoo is most often used for a belgian or german employer that must apply statutory per diem rates correctly across staff travelling in several countries, a group with five legal entities wanting one expense tool but separate approval chains and ledgers, a company that already has a corporate card programme and refuses to change banks to get expense software, a finance team recovering vat on foreign travel and needing the fields captured at claim time. Of those, a belgian or german employer that must apply statutory per diem rates correctly across staff travelling in several countries and a group with five legal entities wanting one expense tool but separate approval chains and ledgers are not what Soldo is typically brought in for.
What can Rydoo do that Soldo cannot?
Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Rydoo: Does Rydoo issue cards?

No. It is expense software only; you keep your existing corporate card or bank programme.

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.

Rydoo: Is there a minimum?

Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.

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.

Rydoo: Do I need the Pro plan?

If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.

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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