Capital on Tap vs Soldo (2026): which should you pick?

Pick Capital on Tap if

• Fits if you want a UK business card with free employee cards and cashback
• Works for small firms that sync card spending into Xero, QuickBooks or Sage

Look elsewhere if

• Not for you if you are refused credit, because the card needs approval and a credit check
• Pricey if you carry a balance: rates start at 14.13% APR (variable)
• Skip it if you want a separate expense-report tool, as expense features sit on the card
• Watch out: Pro costs £299 a year, and Avios convert at 10 points to 8 on Free against 1 to 1 on Pro
• Watch out: the page we read is the UK site; a US version is linked but was not read

Pick Soldo if

• Fits if you are an incorporated UK business that wants controlled prepaid cards
• Works for teams that start with 3 cards and add more later

Look elsewhere if

• Pricey if you add people, as £27 covers 3 users and 3 cards and each plan has transfer limits
• Not for you if you are a sole trader, as only incorporated businesses can open an account
• Watch out: prices are in pounds, exclude VAT and don't say if they are billed monthly or yearly
• Watch out: card issuance and cash withdrawals carry separate financial services fees

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.

Soldo

• Prices are in pounds and exclude VAT; the page does not say whether they are billed monthly or annually.
• Card issuance and cash withdrawals carry separate financial services fees.
• Only incorporated businesses can open an account; sole traders cannot.
• NetSuite, Dynamics 365 and SSO are add-ons on lower plans.

Capital on Tap

Employee and virtual cards

Free, unlimited employee cards with their own spending limits, and virtual cards that work as soon as an application is approved.

Automatic accounting sync

Transactions sync daily to Xero, QuickBooks, Sage or FreeAgent, and are sorted into categories automatically.

Receipts in the app

A receipt can be photographed and attached to its transaction in the mobile app, which also shows team spending in real time.

Spending limits and alerts

Limits can be set per transaction or per month for each team member, and the account owner gets an alert whenever a card is used.

Cashback and preloading

Cards earn 1% cashback. Preloading adds your own funds to the account to spend past the credit limit, and still earns cashback.

Team access roles

Bookkeepers, accountants and staff can be given separate access levels, such as managing credit to issue team cards.

Soldo

Cards and wallets

Mastercard prepaid cards for employees or shared use, temporary virtual cards, fuel cards and Apple and Google Pay, funded from wallets.

Spend controls

Card rules, expense policies and pre-approval requests let finance set limits before money is spent.

Receipt capture

Receipts are captured in the mobile app, with OCR matching on Plus and above, and expense review workflows.

Bank transfers

Standard and Plus include outbound transfers over Faster Payments (UK) and SEPA (EU), subject to eligibility.

Accounting exports

Integrations with Xero, QuickBooks, Sage Intacct, Exact Online and DATEV, plus exports in XLSX, CSV and PDF.

Capital on Tap

• Free£0

  per year

  No annual fee. Uncapped 1% cashback, free employee cards, virtual cards, preloading and 24/7 support.

• Pro£299

  per year, billed annually

  Adds 1.25% on preloaded spend, a metal card, airport lounge access, a Times subscription and a 10,000-point welcome bonus.

Soldo

• Standard£27

  per month, plus VAT; billing basis not shown

  1 wallet, 3 users, 3 cards, up to 20 outbound bank transfers a month, receipt capture and accounting connections.

• Plus£39

  per month, plus VAT; billing basis not shown

  3 company wallets, 3 users, 3 cards, 30 outbound transfers a month, multi-currency, OCR receipt capture and Amazon Business.

• UnlimitedCustom

  Unlimited wallets, users, cards and transfers, custom approval workflows, SAP Concur integration and a customer success team.

Capital on Tap

• Other savings

  6 months of Xero free on the Free tier

  The Free tier lists 6 months free Xero for first-time Xero subscribers.

Soldo

No public discounts listed.