Soldo
London, United Kingdom
What it is
Soldo is a paid spend management platform combining business cards, software, a mobile app, and payment options. Businesses use it for travel and expenses, team budgets, and unpredictable spending. Finance teams can set spending limits, approval rules, and real-time alerts before money leaves an account. Employees capture receipts with Soldo cards and the mobile app, then attach notes, categories, and tax rates to transactions. Integrations listed by Soldo include SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite. Custom integrations are available through an API or Professional Services, and a Soldo Business API is provided. Standard includes one wallet, three users, three cards, up to 20 monthly outbound transfers, permissions, and receipt capture. Plus includes three wallets, three users, three cards, up to 30 transfers, team budget wallets, and multi-currency spending. Unlimited has unlimited wallets, users, cards, and transfers, with price on request. A 30-day trial is available, but there is no free plan. Soldo runs on web, iOS, Android, and API, and serves incorporated businesses rather than sole traders.
For and against
For
- Business cards with spending controls
- Approval rules and real-time alerts
- Mobile receipt capture and transaction notes
- Integrations with major accounting platforms
- 30-day trial available
Against
- No free plan
- Some card and cash-withdrawal services may incur fees
- Sole traders are not eligible
- Service does not replace a bank account
The verdict
Soldo brings cards, controls, receipt handling, and accounting connections into one company-spend service. Its tier allowances differ, and additional financial-service fees may apply beyond the subscription.
Who it suits
Soldo suits incorporated businesses managing employee spending, budgets, cards, and receipts. It is not currently intended for sole traders and works alongside, rather than replacing, a business bank account.
Plans and prices
Unlimited
Unlimited company wallets · unlimited users · unlimited Soldo cards · unlimited outbound bank transfers
Read 9 Oct 2026 · soldo.com
Standard
1 wallet · 3 users · 3 physical or virtual cards · up to 20 outbound bank transfers per month
Read 9 Oct 2026 · soldo.com
Plus
3 company wallets · 3 users · 3 physical or virtual cards · up to 30 outbound bank transfers per month
Read 9 Oct 2026 · soldo.com
On the record
- Additional fees
- Some financial services, including card issuance and cash withdrawals, may incur fees beyond the monthly subscription.soldo.com · read 9 Oct 2026
- Authentication
- Soldo says multi-factor authentication helps prevent fraud and keep accounts secure, and its mobile app supports 3DS and Strong Customer Authentication for online transactions.soldo.com · read 9 Oct 2026
- Cards and receipts
- Employees can use Soldo cards and the mobile app to capture receipts, attach them to transactions, and add notes, categories, and tax rates.soldo.com · read 9 Oct 2026
- Company history
- Soldo says it was founded in London in 2015 by entrepreneurs and banking experts.soldo.com · read 9 Oct 2026
- Custom integrations and API
- Soldo offers custom integrations via API or with help from its Professional Services team, and provides a Soldo Business API.soldo.com · read 9 Oct 2026
- Eligibility limit
- Soldo says it serves incorporated businesses and cannot currently help sole traders.soldo.com · read 9 Oct 2026
- Integrations
- Soldo lists integrations including SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite.soldo.com · read 9 Oct 2026
- Not a bank account
- Soldo says its service works alongside a business bank account rather than replacing it.soldo.com · read 9 Oct 2026
- Product
- Soldo is a proactive spend management platform combining business cards, software, a mobile app, and payment options.soldo.com · read 9 Oct 2026
- Security certifications
- Soldo states that it is PCI DSS Level 1 certified, ISO/IEC 27001 accredited, and Cyber Essentials Plus certified.soldo.com · read 9 Oct 2026
- Spend controls
- The platform lets finance teams set spending limits, approval rules, and real-time alerts before money leaves the account.soldo.com · read 9 Oct 2026
- Support
- The Standard plan includes support during business hours, while Plus includes additional setup support.soldo.com · read 9 Oct 2026
- What it manages
- Businesses use Soldo to manage travel and expenses, set team budgets, and handle unpredictable spending.soldo.com · read 9 Oct 2026
