Soldo vs Spendesk (2026): which should you pick?
As of Nov 12, 2026, Soldo and Spendesk share a 2.2 GPA, neither has a free plan and their prices can't be set side by side, so the choice depends on whether you care more about the free plan, where Soldo grades higher, or features and ease of use, where Spendesk does.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 2026 by ToolGPA
They get the same grade on value for money and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Soldo
Prepaid company cards and spend control for UK and EU teams
Spendesk
Spend management with unlimited cards and users, priced by quote
Which one is for you
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
Pick Spendesk if
- Fits if you want unlimited cards and users without paying per head
- Works for finance teams in the EEA, the UK or the US that want receipts collected for them
Look elsewhere if
- Skip it if you want to see a price before you talk to sales
- Not for you if you want a free plan or a trial to poke around in first
- Tight if supplier invoices matter, since accounts payable is a paid add-on
- Watch out: each card purchase, invoice payment and expense claim carries a variable fee on top
- Watch out: procurement, advanced workflows, HR and ERP links and AI fraud checks are all add-ons
How we grade them
| 2.2GPASoldoFair | 2.2GPASpendeskFair | |
|---|---|---|
| Value for money | CStandard is £27 a month plus VAT for 3 users and 3 cards, roughly $12 a head, which is the middle of the category's range. Plus is £39. | CNo price is published, so it sits in the middle by our rule. Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims, so there's no monthly figure for a ten-person company. |
| Free plan and trial | CA 30-day free trial on Standard and Plus, with no free plan. The page doesn't say whether it needs a card. | FNothing free. There's no free plan or published free trial, only a demo and a product tour. |
| Features | CCards and wallets, spend controls, receipt capture, bank transfers and accounting exports. The listing shows no reimbursements or mileage, and NetSuite, Dynamics 365 and SSO are add-ons on lower plans. | BThe whole job: unlimited cards of four kinds, receipt rules and OCR, expense claims, live budgets, multi-entity reporting, an open API and an MCP connector, with accounts payable and procurement sold as add-ons. |
| Ease of use | CNo store rating on record. Wallets, cards and an accounting link to set up. | B4.7 from 637 App Store ratings, high but short of the 1,000 we want for the top band. Receipt reminders run themselves once the rules are set. |
| Platforms and integrations | BWeb only on record, with eight accounting integrations. | BWeb, iPhone and Android, with Xero, QuickBooks, DATEV, Slack and an open API. No desktop app is listed, and HR and ERP integrations are an add-on. |
| Best for | company cards and wallets for UK businesses | unlimited cards and users for one quoted fee |
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: Soldo and Spendesk. How we grade
Where they differ
- Soldo also covers workflow automation.
At a glance
| Soldo | Spendesk | |
|---|---|---|
| Pricing | Free trial | Paid |
| Starts at | £27 per month plus VAT | Not published |
| Free plan | None | None |
| Free trial | 30-day free trial on Standard and Plus | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Soldo Software Ltd | Spendesk |
| Price read from | soldo.com | Not confirmed |
| Checked | Nov 12, 2026 | Oct 18, 2026 |
Worth knowing
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.
Spendesk
- No prices are published: Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims.
- Procurement, accounts payable, advanced workflows, HR and ERP integrations and AI fraud detection are add-ons to the base package.
- It serves the EEA, the UK and the US; payments and Visa debit cards come from Spendesk Financial Services, Adyen and Sutton Bank respectively.
- There is no free plan or published free trial; Spendesk offers a demo and a product tour instead.
Key features
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.
Spendesk
- Unlimited cards
- Physical cards for employees, single-use cards for one-off payments, recurring virtual cards for subscriptions and multi-use cards for projects or events.
- Receipt collection
- Custom rules and automatic reminders chase receipts, OCR reads them, and they are matched to the right card payment straight away.
- Expense claims
- Out-of-pocket expenses are submitted, reimbursed and tracked alongside card spending.
- Budgets
- Track spending against budgets in real time, with multi-entity workflows and reporting in the base package.
- Accounts payable add-on
- Manage supplier invoices and pay suppliers worldwide in the right currency, with procurement as a separate add-on.
- Integrations and API
- Connects to Xero, QuickBooks, DATEV and Slack, offers an open API, and links spend data to AI assistants through an MCP connector.
Plans
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.
Spendesk
Pricing could not be confirmed. See spendesk.com.
Common questions
Which is cheaper, Soldo or Spendesk?
As of Nov 12, 2026, Soldo starts at £27 per month plus VAT, and Spendesk has no price we could confirm.
Which has a free plan, Soldo or Spendesk?
As of Nov 12, 2026, neither Soldo nor Spendesk has a free plan. Soldo has a free trial.
Which platforms do Soldo and Spendesk run on?
As of Nov 12, 2026, only Spendesk lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.