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Alternatives · Spend & Bills

Capital on Tap alternatives

As of Nov 13, 2026, the best Capital on Tap alternative for most people is Ramp (3.6 GPA), first in our ranking of spend and bill pay tools. The best free one is Brex (3.6 GPA).

Capital on Tap compared with 5 alternatives: Pleo, Soldo, Brex, Ramp and Qonto.

Capital on Tap has a free plan. Paid plans start at £299 per year, billed annually (Pro); Free tier £0 per year. 2 of the 5 alternatives are free or have a free plan. 2 more offer a free trial.

Listings checked up to Nov 13, 2026 · Where the facts come from

Black Friday: is there a Capital on Tap sale?

At a glance

ToolPriceFree planRuns on
Capital on TapThis toolFree plan · from £299/yrYesWeb, iOS, Android
PleoFrom $12/moNoWeb, iOS, Android
SoldoFree trial · from £27/moTrial onlyWeb
BrexFree plan · from $12/moYesWeb, iOS, Android
RampFree plan · from $15/moYesWeb, iOS, Android
QontoFree trial · from €9/moTrial onlyWeb

Price against what you get

Capital on Tap starts at about $33.39 a month and scores 2.3 out of 4 on features, ease of use and platforms. 2 of the 5 alternatives on this chart score higher and start lower: Brex and Ramp.

Pleo and Qonto start lower without scoring higher.

Features, ease of use and platforms, averaged

C2.0B3.0A4.0Free$2$5$10$20$50$100$200$500$1k$2kMore for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessCapital on TapPleoSoldoBrexRampQonto

What paid plans start at, a month (each step along is roughly double) →

  • The best score at each price
  • Has a free plan
  • No free plan
The full chart of spend and bill pay tools, and the best at every price

How each one differs from Capital on Tap

  1. Pleo

    Company spending cards and expense reports from Copenhagen

    • Pleo starts at $12 per user / month, billed yearly ($14 billed monthly).
    • Pleo has no free plan, unlike Capital on Tap.
    • Pleo does not cover reports, which Capital on Tap does.

    Suits: Small teams that want a card for every employee

    Pleo vs Capital on TapPleo pricing and details

  2. Soldo

    Prepaid company cards and spend control for UK and EU teams

    • Soldo starts at £27 per month plus VAT.
    • Soldo has no free plan, only a free trial, unlike Capital on Tap.
    • Soldo lists no iOS and Android apps, which Capital on Tap has.
    • Soldo also covers workflow automation and bill pay.
    • Soldo does not cover reports, which Capital on Tap does.

    Suits: Small UK and EU companies that want prepaid cards rather than credit

    Soldo vs Capital on TapSoldo pricing and details

  3. Brex

    Corporate cards, expenses, bill pay and travel for growing companies

    • Brex starts at $12 per user / month, billing term not stated.
    • Brex also covers bill pay.

    Suits: Startups that want corporate cards and expenses at no software cost

    Brex vs Capital on TapBrex pricing and details

  4. Ramp

    Corporate cards, expenses, travel and bill pay, with a free plan

    • Ramp starts at $15 per user / month, plus a platform fee based on team size.
    • Ramp also covers invoicing and bill pay.

    Suits: US companies that want cards, expenses and bill pay in one free tool

    Ramp vs Capital on TapRamp pricing and details

  5. Qonto

    European business account with cards, transfers and invoicing

    • Qonto starts at €9 per month excl. VAT, billed annually.
    • Qonto has no free plan, only a free trial, unlike Capital on Tap.
    • Qonto lists no iOS and Android apps, which Capital on Tap has.
    • Qonto also covers invoicing.
    • Qonto does not cover reports, which Capital on Tap does.

    Suits: Small European companies that want one account for cards and invoicing

    Qonto vs Capital on TapQonto pricing and details

Limits worth knowing in Capital on Tap

  • It is a credit card, so approval depends on a credit check; limits go up to £250,000 and rates start at 14.13% APR (variable).
  • The UK site prices in pounds; a separate US version of the site is linked but was not read.
  • Expense features are attached to the card and its app; there is no separate expense-report tool.
  • Pro costs £299 a year; Avios and Virgin Points convert at 10 points to 8 on Free and 1 to 1 on Pro.
Capital on Tap pricing and details

Common questions

What are the alternatives to Capital on Tap?

The alternatives to Capital on Tap in this directory are Pleo, Soldo, Brex, Ramp and Qonto. Each one has a side-by-side comparison with Capital on Tap.

Is there a free alternative to Capital on Tap?

Yes. Brex and Ramp have a free plan alongside paid ones.

When were these prices checked?

Each listing shows its own date. On this page they run from Oct 18, 2026 to Nov 13, 2026. Vendors change prices without notice, so confirm on their site before you buy.