Pleo
Company spending cards and expense reports from Copenhagen
Pleo report card
Weak · out of 4.0 · graded Oct 18, 2026
Best for a company card for every employee
Pleo gives every employee their own company card, asks for the receipt straight after each purchase and pulls online receipts from email by itself. Out-of-pocket costs and mileage go through the same app. But there's no free plan or trial on its US pricing page, plans need 3 users, and spending in another currency costs 1.75% on Build.
Who Pleo is for
- Great if you want every employee to have their own card with their own limit
- Handy when chasing receipts after card purchases eats your month end
- Good for European teams with staff spending in several countries
Who Pleo is not for
- 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
Why Pleo gets a 1.8
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyA 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.
- FFree plan and trialNothing free. The US pricing page shows no free plan and no free trial, and Build and Optimise need at least 3 users.
- CFeaturesCards 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.
- CEase of useNo 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.
- BPlatforms and integrationsWeb, iPhone and Android, exporting to Xero, QuickBooks, Dynamics and SAP, with Workday and Okta. No desktop app is listed, and HR integrations need Optimise.
What these grades rest on. Graded from this listing, whose facts were read from Pleo's own pages on 18 October 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/pleo#review"><img src="https://toolgpa.com/badge/pleo.svg" alt="Pleo: 1.8 GPA on ToolGPA" width="196" height="56"></a>Where Pleo stands among spend and bill pay tools
Pleo's GPA of 1.8 is higher than 0 of the 13 other spend and bill pay tools we grade.
It stands best on platforms and integrations (B, above 0 of 13) and worst on free plan and trial (F, above 0).
Its paid plans start at $12 a month for each person, against a middle price of $12 for the category: 4 of the 11 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 3 tools score higher and cost less.
Each grade against the category
Every bar is all 14 spend and bill pay tools we grade, cut by the letter each got. Pleo’s own letter is outlined.
- CValue for moneyAbove 1 of 13, level with 5
- FFree plan and trialAbove 0 of 13, level with 1
- CFeaturesAbove 0 of 13, level with 7
- CEase of useAbove 0 of 13, level with 3
- BPlatforms and integrationsAbove 0 of 13, level with 12
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep Pleo, or make your own?
Keep it
To replace Pleo you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 13 of the 13 other spend and bill pay tools grade higher. It costs $144 a year.
What you could make
- Expense tracking: an app builder makes this well.
What you could not
- Cards issued through a bank.
- A real app for iOS and Android. Something home-made would be a web page.
- It is priced for each person, which means accounts and billing for a team.
- It plugs into other products, Xero, QuickBooks and Microsoft Dynamics among them.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Pleo’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Pleo?
Pleo gives employees their own company cards and asks for the receipt in its app after each purchase, matching online receipts automatically. Out-of-pocket costs and mileage are claimed and reimbursed in the same app, spending limits and approvals are set per person, and expenses export to accounting software. It started in Copenhagen in 2015, works in 16 European countries, and sells US plans through Pleo North America.
Pleo is a paid product, starting at $12 per user / month, billed yearly ($14 billed monthly). See every plan
Good for
- 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
Worth knowing
- 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.
Key features
- 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.
Pleo pricing
- Starts at
- $12 per user / month, billed yearly ($14 billed monthly)
- Free plan
- None
- Free trial
- None listed
| Plan | Price | What you get |
|---|---|---|
| Build | $12per 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 | $16per 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 | $249per 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 | $499per month and up | Adds unlimited reimbursement users with no reimbursement fees, unlimited virtual cards and AI reviews, premium integrations and purchase orders. |
| Enterprise | Custom | For companies of 1,000 or more employees, built and priced after a call with Pleo. |
Read from pleo.io on Oct 18, 2026. Prices change, so confirm with Pleo before you buy.
Ways to pay less
- Annual discountSave $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.
Stated on pleo.io
Works with
Pleo alternatives
- Pleo vs Spendesk
Paid
- Pleo vs Rydoo
Free trial · from $9/mo
- Pleo vs Expensify
Free plan · from $5/mo
- Pleo vs Ramp
Free plan · from $15/mo
- Pleo vs Airwallex
Free plan · from $12/mo
Common questions
Is Pleo free?
No. Pleo is a paid product, starting at $12 per user / month, billed yearly ($14 billed monthly).
How much does Pleo cost?
Pleo lists 5 plans. Build: $12 per user / month, billed yearly ($14 billed monthly). Optimise: $16 per user / month, billed yearly ($18 billed monthly). Scale: $249 per month and up. Lead: $499 per month and up. Enterprise: custom pricing. Prices were read from pleo.io on Oct 18, 2026.
What platforms does Pleo work on?
Pleo is available on Web, iOS and Android.
Does Pleo offer any discounts?
Pleo publicly lists the following: Save $2 a user each month with yearly billing.
Does Pleo have a Windows app?
No Windows app was listed when its pages were read on Oct 18, 2026. Pleo is listed for Web, iOS and Android.
Does Pleo have a macOS app?
No macOS app was listed when its pages were read on Oct 18, 2026. Pleo is listed for Web, iOS and Android.
Is Pleo open source?
Pleo is not described as open source on its own site, as read on Oct 18, 2026.
What does Pleo integrate with?
Pleo's listing names Xero, QuickBooks, Microsoft Dynamics, SAP, Workday and Okta. A listing names up to eight integrations, so it may connect to more.
Who makes Pleo?
Pleo is made by Pleo Technologies A/S. It dates from 2015.
What are the alternatives to Pleo?
The closest alternatives to Pleo in our directory are Spendesk, Rydoo, Expensify, Ramp and Airwallex. Each one has a side-by-side comparison with Pleo.
How does Pleo compare with other spend and bill pay tools?
Pleo's GPA of 1.8 is higher than 0 of the 13 other spend and bill pay tools we grade. It stands best on platforms and integrations (B, above 0 of 13) and worst on free plan and trial (F, above 0).
Is Pleo good value for money?
ToolGPA grades Pleo C for value for money. Its paid plans start at $12 a month for each person, against a middle price of $12 for the category: 4 of the 11 others that charge start lower. On features, ease of use and platforms it scores 2.3 out of 4. 3 tools score higher and cost less.
Could I make my own version of Pleo?
To replace Pleo you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 13 of the 13 other spend and bill pay tools grade higher. It costs $144 a year. What you could not make: Cards issued through a bank. A real app for iOS and Android. Something home-made would be a web page. It is priced for each person, which means accounts and billing for a team. It plugs into other products, Xero, QuickBooks and Microsoft Dynamics among them. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 18, 2026.