Pleo vs Rydoo
We give Pleo a 1.8 GPA and Rydoo a 2.6, out of 4.0. Rydoo grades higher on the free plan and ease of use. They get the same grade on value for money, features and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Rydoo
Expense reports with an AI receipt scanner and multi-country rules
How we grade them
| 1.8GPAPleoWeak | 2.6GPARydooGood | |
|---|---|---|
| Value for money | CA ten-person company pays $120 a month on Build at the yearly rate, 10 users at $12, which is $12 a head and bang on the category's middle. Direct reimbursements add 0.90% each, and Optimise is $16 a user. | CGraded against its expense-tool alternatives. Ten people on Essentials cost $90 a month at $9 each, billed yearly, or $110 on Pro for QuickBooks and Xero. That's dearer than Expensify, Zoho Expense or Navan for ten, though cheaper than Pleo. |
| Free plan and trial | FNothing free. The US pricing page shows no free plan and no free trial, and Build and Optimise need at least 3 users. | CNo free plan, but a 14-day trial of every feature with no credit card needed. |
| Features | CCards and expenses are done well: a card per person, receipt requests after every purchase, Fetch for emailed receipts, mileage and AI spend checks. Bill pay isn't among its features, and budgets wait for Optimise. | CReceipts, unlimited expenses, mileage, per diems and approvals are all covered. The gaps are in the listing: accounting sync starts on Pro, Rydoo's own cards need 30 active users, and supplier invoices are a separate quoted product. |
| Ease of use | CNo store rating on record. There are cards to hand out, limits to set and accounting to connect, though after that staff only ever snap a receipt. | A4.92 from 1,493 App Store ratings, the top band. Staff photograph a receipt and it becomes an expense. |
| Platforms and integrations | BWeb, iPhone and Android, exporting to Xero, QuickBooks, Dynamics and SAP, with Workday and Okta. No desktop app is listed, and HR integrations need Optimise. | BWeb, iPhone and Android, with QuickBooks, Xero, Exact Online, SAP, Dynamics, NetSuite, Uber and Slack. No desktop app is listed, and the API needs Business at 30 active users. |
| Best for | a company card for every employee | expenses for staff in several countries |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Pleo and Rydoo. How we grade
Price against what you get
Pleo starts at $12 a month for each person and scores 2.3 out of 4 on features, ease of use and platforms. Rydoo starts at $9 a month for each person and scores 3.0.
Rydoo scores higher and starts $3 a month lower. Of the other spend and bill pay tools on the chart, 3 score higher than Pleo for less, and 1 scores higher than Rydoo for less.
Features, ease of use and platforms, averaged
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
Where they differ
- Pleo starts at $12 per user / month, billed yearly ($14 billed monthly). Rydoo starts at $9 per user / month, billed annually ($12 billed monthly).
At a glance
| Pleo | Rydoo | |
|---|---|---|
| Pricing | Paid | Free trial |
| Starts at | $12 per user / month, billed yearly ($14 billed monthly) | $9 per user / month, billed annually ($12 billed monthly) |
| Free plan | None | None |
| Free trial | None listed | 14-day free trial with all features, no credit card required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Pleo Technologies A/S | Rydoo |
| Price read from | pleo.io | rydoo.com |
| Checked | Oct 18, 2026 | Oct 18, 2026 |
Who each one suits
Pleo
- Small teams that want a card for every employee
- European businesses with staff spending in several countries
- Companies tired of chasing receipts after card purchases
Rydoo
- Companies with employees claiming expenses in several countries
- Teams that pay staff mileage and daily allowances
- Businesses that want per-user pricing with a published price
Worth knowing
Pleo
- Card and invoice payments in another currency carry a 1.75% FX fee on Build and 1.49% on Optimise, and direct reimbursements cost 0.90% each.
- Build and Optimise need at least 3 users; no free plan or free trial is shown on the US pricing page.
- In the US the Pleo card is a prepaid Mastercard issued by Pathward, N.A., with no cash access.
- Pleo works in 16 European countries, including Denmark, the UK, Germany, France and Spain, as well as the US.
Rydoo
- Essentials and Pro start at 5 users; Business needs 30 active users and Enterprise 50, and both are priced by quote.
- Accounting integrations start on Pro, and API access, SFTP and Rydoo's own corporate cards need Business.
- Supplier invoice processing is a separate Rydoo accounts payable product, with four plans priced only by quote.
- Only Business and Enterprise bill for active users alone; Essentials and Pro are charged per user.
Key features
Pleo
- Company cards for each employee
- Physical and virtual Pleo cards with Google Pay and Apple Pay, with individual, per-purchase and temporary spending limits.
- Receipt capture
- The app asks for a receipt after every card purchase, reads it with OCR, and the Fetch feature pulls online receipts from email automatically.
- Out-of-pocket and mileage
- Employees claim their own spending and mileage in the app, approvals follow company policy, and reimbursements are paid directly.
- AI spend checks
- AI spend guidelines on every plan, and AI expense reviews on Optimise (100 a month) or unlimited on Lead.
- Vendor tracking
- Recurring vendors and subscriptions are tracked, with renewal management and spending insights on Optimise.
- Accounting exports
- Auto-categorized expenses with custom categories and tags export to Xero, QuickBooks and other accounting systems.
Rydoo
- Receipt scanner app
- Employees photograph a receipt and AI reads it into an expense; there is no cap on the number of expenses on any plan.
- Mileage and per diems
- Mileage claims are calculated from the start and end points and your rates, and Pro adds daily allowances kept compliant in more than 15 countries.
- Policies and approvals
- One approval level on Essentials, two levels with custom spending rules on Pro, and approvals for trips and cash advances.
- Card matching
- Pro matches Visa, Mastercard, Amex, Corner Card and AirPlus transactions to expenses automatically; Business adds Rydoo's own cards.
- Multi-country compliance
- Certified paperless expensing and local legal and tax rules, with a Compliance Centre listing what applies country by country.
- Rydoo Intelligence
- On Enterprise, AI agents answer questions before spending and audit expenses afterwards, beside an anomaly and forecasting dashboard.
Plans
Pleo
Build$12
per user / month, billed yearly ($14 billed monthly)
For 1 to 49 employees, 3-user minimum. Physical and virtual cards, receipt capture, reimbursements, mileage, approvals and AI spend guidelines.
Optimise$16
per user / month, billed yearly ($18 billed monthly)
3-user minimum. Adds cashback for eligible customers, budgets, 100 AI expense reviews a month, HR integrations, vendor insights and live chat.
Scale$249
per month and up
For 50 to 1,000 employees. Adds multi-entity management, advanced card controls and approvals, assisted onboarding and a success manager.
Lead$499
per month and up
Adds unlimited reimbursement users with no reimbursement fees, unlimited virtual cards and AI reviews, premium integrations and purchase orders.
EnterpriseCustom
For companies of 1,000 or more employees, built and priced after a call with Pleo.
Rydoo
Essentials$9
per user / month, billed annually ($12 billed monthly)
From 5 users. Receipt scanner app, unlimited expenses, mileage, single-level approvals, Uber, Lyft and Slack links, and Excel or PDF exports.
Pro$11
per user / month, billed annually ($14 billed monthly)
From 5 users. Adds per diems, QuickBooks, Xero and Exact Online, card matching, custom policies and two-level approvals.
BusinessCustom
From 30 active users. Adds Rydoo Cards, API and SFTP access, custom bank transaction feeds and priority support.
EnterpriseCustom
From 50 active users. Adds Rydoo Intelligence AI agents, advanced approvals, an insights dashboard, SAML SSO and HR connectors.
Ways to pay less
Pleo
- Annual discount
Save $2 a user each month with yearly billing
Build costs $12 per user a month billed yearly instead of $14 monthly, and Optimise $16 instead of $18.
Rydoo
- Annual discount
Save up to 25% with yearly billing
Essentials costs $9 per user a month billed yearly instead of $12 monthly, and Pro $11 instead of $14.
