The monthly plan subscription does not cover every payment-related charge.
The linked UK fee schedule lists card issuance and replacement charges, outbound transfer fees, cash withdrawals, and a 1.5% card foreign-exchange fee.
Evidence source ↗
Soldo
Soldo combines prepaid company cards with web and mobile tools for spending controls, receipt capture, expense management, reporting, and accounting integrations.
7 key claims verifiedOur editorial team checked this profile against pricing information, vendor documentation, product documentation. Supported by 4 documented sources.
Editorial overview
Aggregated Overview
Official materials verify card controls, wallets, mobile receipt capture, reporting, accounting integrations, and plan limits. G2 reviews praise usability and spend visibility, while some reviewers note workflow, card-acceptance, and app concerns. Scores are editorial assessments, not hands-on test results.
This profile combines documented product information and independent evidence where available. It is not a hands-on test unless TechZella explicitly identifies one.
Overview
Soldo combines prepaid company cards with a web console and mobile app. Finance teams can allocate funds, set card controls, capture receipts, review transactions, and connect spending data to accounting software.
The product is aimed at businesses rather than individual sole traders. Its UK Standard and Plus plans publish monthly starting prices, while larger-scale Unlimited pricing requires a quote.
Soldo Decision Snapshot
A quick way to understand who this product may suit, where its limits matter, and which facts are most relevant before you compare alternatives.
Best suited to
Businesses that need controlled card spending, budget separation across teams or projects, receipt capture, and reconciliation with accounting software.
Look elsewhere if
Soldo is not available to sole traders, and its prepaid cards may not work with every merchant. Businesses needing extensive integrations or custom workflows should check plan and add-on availability before subscribing, and should evaluate alternatives such as Pleo or Spendesk instead.
Platforms
Android, API, iOS, SaaS, Web
TechZella assessment
7.9/10
Soldo — What Sets It Apart?
These are the product-specific differences that may matter when deciding whether the software fits your workflow. They are based on documented evidence rather than a universal ranking.
- Company and user wallets support separating funds by individual, team, project, or department; multiple company wallets begin on Plus.
- The Business API can connect transaction and employee data to finance, HR, analytics, or workflow tools; the official pricing matrix lists it as a Plus add-on and includes it with Unlimited.
- Plans publish card, user, wallet, and outbound-transfer inclusions, while the linked financial-services fee schedule separately lists card, transfer, cash withdrawal, and foreign-exchange charges.
Soldo Pros & Cons
Pros
- Published UK starting prices and plan inclusions support straightforward initial plan comparison.
- Wallets, cards, and configurable controls can help separate spending by user, team, or project.
- Offers named integrations with multiple accounting platforms and a documented Business API.
- Supports receipt and transaction-data capture through its mobile app.
Cons
- Soldo states that sole traders are not eligible.
- Financial-services fees may apply separately to card issuance, transfers, cash withdrawals, and foreign exchange.
- Some integrations and API access are plan-dependent or available as add-ons.
- Prepaid Soldo cards may be declined by merchants that do not accept prepaid cards.
Soldo Gotchas & Operational Limits
These are documented constraints or practical friction points that may matter before you adopt the product.
Some integrations and business features are plan-dependent or add-ons.
The comparison table marks options such as NetSuite, SAP Concur, SSO, HRIS integrations, and the Business API as add-ons on some plans.
Evidence source ↗Soldo is not an alternative to a business bank account.
Soldo’s own pricing FAQ says it works alongside a business bank account, and its services include a separate e-money account and payment services.
Evidence source ↗Soldo Pricing & Plans
Standard
£27
month
Starts with three users, three physical or virtual cards, one wallet, and up to 20 outbound bank transfers monthly. Includes a 30-day trial. Financial-services charges and some add-ons may apply.
Check current pricing →Plus
£39
month
Starts with three users, three physical or virtual cards, three company wallets, and up to 30 outbound bank transfers monthly. Includes a 30-day trial. Financial-services charges and some add-ons may apply.
Check current pricing →Unlimited
Price on request
Quote-based plan with unlimited starting users, cards, wallets, and outbound transfers. Includes advanced controls, integration support, Business API, and tailored onboarding.
Check current pricing →Pricing may change. Verify current plans on the vendor's website.
Soldo Competitors & Alternatives
Compare similar products directly, then see which alternatives may make more sense when your requirements differ.
At a glance
Financial Management Software| Decision factor | Soldo | Pleo | Spendesk |
|---|---|---|---|
| Core scope | Company cards, wallets, spend controls, receipt capture, and expense management. | Company cards, spend tracking, expense reports, reimbursements, and accounts payable. Source ↗ | Spend management with cards, reimbursements, invoice management, and expense workflows. Source ↗ |
| Pricing model | UK Standard is £27/month plus VAT and Plus is £39/month plus VAT, each with three users included; Unlimited is quote-based. | UK Start is £8 per user per month; Build is £14 and Optimise £18 per user per month, with billing conditions varying by plan. Source ↗ | A fixed monthly platform fee is combined with variable transaction-based fees; the public page directs buyers to request a quote. Source ↗ |
| Cards and spend controls | Plans include physical or virtual Soldo cards; Standard starts with one wallet and Plus with three company wallets. | Plans include physical and virtual cards; paid tiers list limits, approval workflows, and budgets at specified plan levels. Source ↗ | The Foundations offering lists unlimited physical cards, single-use cards, recurring virtual cards, and custom spending rules. Source ↗ |
| Integrations | Soldo names Xero, QuickBooks, Sage, DATEV, Exact Online, NetSuite, and others; availability can vary by plan or add-on. | Pleo lists accounting integrations on its plans, with HRIS integrations included on Optimise. Source ↗ | Spendesk lists integrations including Xero, QuickBooks, and DATEV, plus HRIS, ERP, and travel integrations. Source ↗ |
Only factors supported by the available research are shown. The comparison is descriptive, not a ranking.
Direct competitors
These products address broadly similar requirements. The descriptions focus on documented reasons a buyer might compare them with Soldo.
Soldo Features
Spend controls and payments
- Physical and virtual prepaid company cards
- User and company wallets
- Card rules and spending limits
- Outbound Faster Payments and SEPA transfers, subject to eligibility and plan inclusions
- Request and approval workflows
Expense management and reporting
- Mobile receipt capture
- OCR receipt capture on eligible plans
- Transaction notes, categories, and VAT details
- Out-of-pocket expense management
- Real-time spend views and reports
Integrations and automation
- Accounting connections including Xero, QuickBooks, Sage, DATEV, Exact Online, and NetSuite
- Business API for custom integration and workflow automation, subject to plan or add-on
- XLSX, CSV, and PDF transaction exports
- Optional integrations and services whose availability varies by plan
Soldo Specifications
| Software vendor | Soldo Software Ltd |
|---|---|
| Founded | 2015 |
| Headquarters | London, England, United Kingdom |
| Deployment | Cloud-hosted web console and mobile applications |
| Mobile applications | iOS and Android |
| API | Business API; listed as a Plus add-on and included with Unlimited |
| Accounting integrations | Xero, QuickBooks, Sage, DATEV, Exact Online, NetSuite, and others |
| Transaction exports | XLSX, CSV, and PDF |
| Eligibility | Incorporated businesses; sole traders are not currently supported |
| Free trial | 30 days on Standard and Plus; no free plan |
| UK Standard pricing | £27/month plus VAT |
| UK Plus pricing | £39/month plus VAT |
| Foreign-exchange fee | UK fee schedule lists Mastercard exchange rate plus 1.5% for card transactions in another currency |
Deployment & System Footprint
Verified installation, hosting, administration, or environment details that can affect implementation.
| Hosting | Cloud service accessed through a web console and mobile apps; no self-hosted deployment option was identified in the reviewed product materials. Source ↗ |
|---|---|
| Mobile apps | The Soldo app is listed for iPhone and iPad in Apple’s App Store and for Android in Google Play. Source ↗ |
Migration & Lock-In
Documented portability, standards, export, or switching considerations. No switching-cost score is shown unless the evidence supports one.
Data portability
Soldo says users can export transaction data in XLSX, CSV, and PDF formats. The reviewed public materials do not specify a full account migration service.
Evidence source ↗Our evidence-based assessment
TechZella Score
A proprietary editorial score based on product capabilities, usability, value, performance, support and user sentiment evidence.
7.9/10Moderate confidence
Official materials verify card controls, wallets, mobile receipt capture, reporting, accounting integrations, and plan limits. G2 reviews praise usability and spend visibility, while some reviewers note workflow, card-acceptance, and app concerns. Scores are editorial assessments, not hands-on test results.
Methodology v1.0. The assessment weighs feature coverage (25%), ease of use (15%), value for money (20%), performance (15%), support (10%) and user sentiment (15%), using researched product evidence and verified review evidence where available. It is a TechZella editorial assessment, not a direct user-review average.
Editorial transparency
Our Review Methodology
Key claims are linked to the sources used to verify them. This evidence record is separate from third-party user ratings.
TechZella evaluates software using documented product capabilities, pricing information, usability and value considerations, independent user evidence where available, and competitive context. The assessment is an editorial review, not a hands-on test unless one is explicitly identified. Our editorial assessment is based on 4 documented sources.
What TechZella adds
- Company and user wallets support separating funds by individual, team, project, or department; multiple company wallets begin on Plus.
- The Business API can connect transaction and employee data to finance, HR, analytics, or workflow tools; the official pricing matrix lists it as a Plus add-on and includes it with Unlimited.
- Plans publish card, user, wallet, and outbound-transfer inclusions, while the linked financial-services fee schedule separately lists card, transfer, cash withdrawal, and foreign-exchange charges.
Important limitations
- The UK pricing page states that Standard and Plus each start with three users and three cards, with monthly outbound-transfer limits of 20 and 30 respectively.
- The pricing page lists the Business API as a Plus add-on and as included with Unlimited, so access may add cost below Unlimited.
- The official UK eligibility FAQ says Soldo serves incorporated entities and cannot currently help sole traders.
- Soldo cards are prepaid; a G2 reviewer and the vendor response note that some merchants do not accept prepaid cards.
Evidence-backed claimsSoldo was founded in London in 2015. UK Standard costs £27 per month plus VAT and starts with three users, three cards, one wallet, and up to 20 outbound transfers monthly. UK Plus costs £39 per month plus VAT and starts with three users, three cards, three company wallets, and up to 30 outbound transfers monthly. Standard and Plus have a 30-day trial, but Soldo does not offer a free plan. The Business API supports custom connections and automation across finance, HR, reporting, and internal workflows. Soldo lists integrations with accounting systems including Xero, QuickBooks, Sage, DATEV, Exact Online, and NetSuite. Soldo says it serves incorporated entities and cannot currently support sole traders.
The company About page identifies London as its founding location and 2015 as the founding year.
View source ↗Verified 2026-10-20The current UK pricing page displays the monthly price, tax qualification, starting inclusions, and transfer limit.
View source ↗Verified 2026-10-20The current UK pricing page displays the monthly price, tax qualification, starting inclusions, and transfer limit.
View source ↗Verified 2026-10-20The pricing page links both plans to a 30-day trial and directly states that no free plan is offered.
View source ↗Verified 2026-10-20Soldo’s API support page describes transaction exports, employee syncing, card and wallet actions, dashboards, and connections to tools such as Jira and Zapier.
View source ↗Verified 2026-10-20The official integrations directory names these accounting connections and describes their data-sync purposes.
View source ↗Verified 2026-10-20The UK pricing FAQ states the account eligibility restriction directly.
View source ↗Verified 2026-10-20Soldo FAQs
Answers begin with the clearest available response, followed by the context that helps you act on it.
Does Soldo offer a free plan?
No. Soldo says it has no free plan, but offers a 30-day trial on Standard and Plus.
Can sole traders sign up for Soldo?
No. Soldo says it serves incorporated entities and cannot currently support sole traders.
Is Soldo a business bank account?
No. Soldo says it works alongside a business bank account rather than replacing one.
Can I export my Soldo transaction data?
Yes. Soldo says transaction data can be exported in XLSX, CSV, and PDF formats.
Can I close my Soldo account?
Yes. Soldo says customers can request account closure at any time by email; remaining funds are returned to the business bank account.
Community feedback
Reviews
No reviews yet. Be the first to share your experience.
Write a Review
Please log in to submit a review.
What Has Changed
This history records material data changes detected when TechZella re-researched the profile.
2026-10-20Research update changed: Pricing, Features, Specifications, Alternatives, Trusted ratings, Description.