# Soldo review (2026): is it worth £27 a month? > Prepaid company cards and spend control for UK and EU teams Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA. 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. - **Category:** Spend & Bill Pay - **Made by:** Soldo Software Ltd (since 2015) - **Website:** https://www.soldo.com - **Runs on:** Web - **Who should skip it:** Pricey if you add people, as £27 covers 3 users and 3 cards and each plan has transfer limits. - **Facts last checked:** Nov 12, 2026 ## Pricing As of Nov 12, 2026, Soldo is a paid product with a free trial, starting at £27 per month plus VAT. - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 30-day free trial on Standard and Plus. | Plan | Price | What you get | | --- | --- | --- | | 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. | | Unlimited | Custom | Unlimited wallets, users, cards and transfers, custom approval workflows, SAP Concur integration and a customer success team. | Read from https://www.soldo.com/en-gb/pricing/ on Nov 12, 2026. Prices change, so confirm with Soldo before buying. ## 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. ## Good for - Small UK and EU companies that want prepaid cards rather than credit - Businesses that need fuel cards or shared team budgets - Finance teams that want a fixed monthly price with a free trial ## 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. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 12, 2026. 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. - **Value for money: C.** Standard 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. - **Free plan and trial: C.** A 30-day free trial on Standard and Plus, with no free plan. The page doesn't say whether it needs a card. - **Features: C.** Cards 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. - **Ease of use: C.** No store rating on record. Wallets, cards and an accounting link to set up. - **Platforms and integrations: B.** Web only on record, with eight accounting integrations. These are ToolGPA's own grades. 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. ## Where it stands among spend and bill pay tools - Soldo's GPA of 2.2 is higher than 46 of the 76 other spend and bill pay tools we grade, and level with 8. - It stands best on platforms and integrations (B, above 18 of 76) 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: 31 of the 36 others that charge start lower. - On features, ease of use and platforms it scores 2.3 out of 4. 15 tools score higher and cost less. The category's chart of price against score: https://toolgpa.com/charts/expenses ## Keep it, 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. - You could make: Expense tracking: an app builder makes this well. - You could not: Cards issued through a bank. - You could not: Money moved between bank accounts, which takes a licensed payments partner. - You could not: Connections to other products, each kept working as those products change. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Xero, QuickBooks, Sage Intacct, Exact Online, DATEV, NetSuite, Microsoft Dynamics 365, SAP Concur **Tags:** Company cards, Expense tracking, Bill pay, Workflow automation ## Alternatives - [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/pleo-vs-soldo) - [Spendesk](https://toolgpa.com/tools/spendesk): Spend management with unlimited cards and users, priced by quote. [Compare](https://toolgpa.com/compare/soldo-vs-spendesk) - [Payhawk](https://toolgpa.com/tools/payhawk): Cards, expenses, payables and travel in one spend platform. [Compare](https://toolgpa.com/compare/payhawk-vs-soldo) - [Moss](https://toolgpa.com/tools/moss): Corporate cards, reimbursements and payables for EU companies. [Compare](https://toolgpa.com/compare/moss-vs-soldo) - [Pliant](https://toolgpa.com/tools/pliant): Visa corporate credit cards with spend controls for EU and UK firms. [Compare](https://toolgpa.com/compare/pliant-vs-soldo) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.soldo.com/en-gb/pricing/ - https://www.soldo.com/en-gb/about-us/ Page: https://toolgpa.com/tools/soldo Listed by ToolGPA (toolgpa.com).