Skip to content
ToolGPA

Soldo review (2026): is it worth £27 a month?

Prepaid company cards and spend control for UK and EU teams

Free trial · from £27/moSpend & BillsChecked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
Visit soldo.comFree guide

Black Friday: is there a Soldo sale?

Soldo, as pictured on soldo.com
How Soldo presents itself. Image from soldo.com.

Soldo report card

2.2GPA

Fair · out of 4.0 · graded Nov 12, 2026

Best for company cards and wallets for UK businesses

Soldo issues prepaid cards and wallets with spend controls and receipt capture, from £27 a month plus VAT after a 30-day trial. That plan covers only 3 users and 3 cards, and it is for incorporated businesses only.

Who Soldo is for

  • 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

Who Soldo is not for

  • 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
See the alternatives

Why Soldo gets a 2.2

Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.

  • CValue for moneyStandard 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.
  • CFree plan and trialA 30-day free trial on Standard and Plus, with no free plan. The page doesn't say whether it needs a card.
  • CFeaturesCards 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.
  • CEase of useNo store rating on record. Wallets, cards and an accounting link to set up.
  • BPlatforms and integrationsWeb only on record, with eight accounting integrations.

What these grades rest on. Graded from this listing, whose facts were read from Soldo's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.

Make Soldo? Put this grade on your site
Soldo: 2.2 GPA on ToolGPA

Paste this where you want the badge. It links here and follows the grade if it changes. About badges

<a href="https://toolgpa.com/tools/soldo#review"><img src="https://toolgpa.com/badge/soldo.svg" alt="Soldo: 2.2 GPA on ToolGPA" width="196" height="56"></a>

Where Soldo stands among spend and bill pay tools

Soldo's GPA of 2.2 is higher than 32 of the 51 other spend and bill pay tools we grade, and level with 5.

It stands best on platforms and integrations (B, above 9 of 51) and worst on ease of use (C, above 0).

Its paid plans start at about $36.18 a month, against a middle price of $12 for the category: 20 of the 24 others that charge start lower.

On features, ease of use and platforms it scores 2.3 out of 4. 12 tools score higher and cost less.

Each grade against the category

Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Soldo’s own letter is outlined.

  • CValue for moneyAbove 3 of 51, level with 39
  • CFree plan and trialAbove 31 of 51, level with 12
  • CFeaturesAbove 3 of 51, level with 36
  • CEase of useAbove 0 of 51, level with 39
  • BPlatforms and integrationsAbove 9 of 51, level with 41

Price against what you get

Each dot is one of 26 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

C2.0B3.0A4.0Free$2$5$10$20$50$100More for lessCosts more, scores moreCosts less, scores lessCosts more, scores lessSoldo

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
The full chart, and the best spend and bill pay tools at every price

Keep Soldo, or make your own?

Keep it

To replace Soldo you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.

It costs $434.12 a year.

What you could make

  • Expense tracking: an app builder makes this well.

What you could not

  • Cards issued through a bank.
  • Money moved between bank accounts, which takes a licensed payments partner.
  • Connections to other products, each kept working as those products change.

What this rests on. Soldo’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 Soldo?

Soldo is a spend management platform that issues Mastercard prepaid business cards to employees, teams and contractors and lets finance set wallets, limits and approval rules. It captures receipts in a mobile app and exports to accounting software. It only serves incorporated businesses.

Worth knowing

  • 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.

Key features

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.

Soldo pricing

As of Nov 12, 2026, Soldo is a paid product with a free trial, starting at £27 per month plus VAT.

Starts at
£27 per month plus VAT
Free plan
None
Free trial
30-day free trial on Standard and Plus
Standard£27per month, plus VAT; billing basis not shown1 wallet, 3 users, 3 cards, up to 20 outbound bank transfers a month, receipt capture and accounting connections.
Plus£39per month, plus VAT; billing basis not shown3 company wallets, 3 users, 3 cards, 30 outbound transfers a month, multi-currency, OCR receipt capture and Amazon Business.
UnlimitedCustomUnlimited wallets, users, cards and transfers, custom approval workflows, SAP Concur integration and a customer success team.

Read from soldo.com on Nov 12, 2026. Prices change, so confirm with Soldo before you buy.

Pricing in detail

Works with

Soldo alternatives

All Soldo alternatives comparedAll spend and bill pay tools

Common questions

Does Soldo have an Android app?

No Android app was listed when its pages were read on Nov 12, 2026. Soldo is listed for Web.

Does Soldo have an iPhone app?

No iPhone app was listed when its pages were read on Nov 12, 2026. Soldo is listed for Web.

Is Soldo open source?

Soldo is not described as open source on its own site, as read on Nov 12, 2026.

Sources for this page

The prices, plans, platforms and features above were read from these pages on Nov 12, 2026.