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Accounting · head to head

Soldo vs Spendbase

Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite
Spendbase logo

Spendbase

Accounting

SaaS and cloud spend management that charges a share of the savings it finds rather than a licence

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spendbase has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Spendbase charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
  • They diverge on capability: Soldo covers Prepaid company cards, Spendbase covers Subscription visibility.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Spendbase actually diverge.

Attributes where Soldo and Spendbase differ
AttributeSoldoSpendbase
Starting price£21/monthFree
Pricing modelPer user per monthFree card tier, plus a share of savings on the managed plan
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb

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 Soldo

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

Only in Spendbase

  • Subscription visibility
  • Discount marketplace
  • Virtual cards
  • Cashback
  • Renewal management
  • Savings-share billing

What people use each for

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

Soldo

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

Spendbase

  • A startup with no procurement function that wants renewal dates and subscription owners in one placenot Soldo
  • A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Soldo
  • Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Soldo
  • A finance lead who wants software cost reduction without hiring anyone to do itnot Soldo

Where each one falls short

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

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.

Spendbase

  • Charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
  • The savings share is reported at around 25 percent but is not published on the pricing page, so the actual commercial terms only appear in a contract.
  • Spendbase is both a banking provider and your software negotiator, so a company using both concentrates operating cash and vendor relationships in one small, young company.
  • Banking is delivered through partners rather than held directly, meaning deposit protection and service continuity depend on those partners rather than on Spendbase.
  • It is scoped for startups and small companies, so organisations needing approval workflows, purchase orders or ERP integration will find it thin against a real procurement platform.

Pricing, plan by plan

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

Spendbase

Free
  • Digital bankingFree
    • No monthly fee per user
    • Up to 100 virtual cards
    • EUR and GBP account details
  • Spend management$undefined/year
    • Everything in the free tier
    • Reported share of roughly 25 percent of savings achieved
    • 200 percent return guarantee against a deposit

Which should you pick?

Choose Soldo if

  • You need prepaid company cards.
  • You work on Web, iOS, Android.
  • You also want card-level budgets.
Soldo review

Choose Spendbase if

  • You need subscription visibility.
  • You want to start without paying.
  • You also want discount marketplace.
Spendbase review

Questions people ask

Is Soldo or Spendbase better?
Neither clearly leads. Soldo starts at £21/month and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Spendbase?
Spendbase has a free tier; the other does not. Paid plans start at £21/month for Soldo and Free for Spendbase.
Does Soldo or Spendbase run on more platforms?
Soldo runs on Web, iOS, Android. Spendbase runs on Web.
Can I use Spendbase for free?
Yes. Spendbase has a free tier, so you can try it without paying. Soldo starts at £21/month.
What is Soldo best used for?
Soldo is most often used for a construction firm giving site managers fuel and materials cards with hard per-card limits, a marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billing, a uk company that cannot get approved for a credit-based corporate card programme, a multi-entity european business needing eur and gbp wallets without conversion on every purchase. Of those, a construction firm giving site managers fuel and materials cards with hard per-card limits and a marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billing are not what Spendbase is typically brought in for.
What can Soldo do that Spendbase cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

Answered from the vendors’ own pages

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.

Spendbase: Is Spendbase free?

The card and banking tier is genuinely free with no per-user fee. The spend management service is paid from a share of the savings it finds, reported at around 25 percent.

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.

Spendbase: How is a saving calculated?

The methodology is not published. Agree the baseline, the measurement period and what counts as a saving in writing before signing.

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.

Spendbase: Does Spendbase hold my money?

Banking is provided through regulated partners including Moorwand in the UK and EEA and Sutton Bank in the US, with Mastercard issuing the cards.

Spendbase: Is it suitable for an enterprise?

No. There are no purchase orders, approval hierarchies or ERP integration; it is built for startups.

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