Pleo vs Soldo (2026): which should you pick?

Pick Pleo if

• Fits if you want every employee to have their own card with their own limit
• Works for European teams with staff spending in several countries

Look elsewhere if

• Skip it if you want to try before paying, as there's no free plan or trial shown
• Pricey if you're 1 or 2 people, since you pay for at least 3 users
• Tight if your team spends in other currencies a lot, with a 1.75% FX fee on Build
• Watch out: direct reimbursements cost 0.90% each, and the US card is prepaid with no cash access
• Too light for paying supplier bills, which aren't among its features

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

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.

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.

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.

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.

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.

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.

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.

Soldo

No public discounts listed.