Soldo
Spending freedom for teams. Total control for finance.
By Soldo Software Ltd. · HQ London, United Kingdom · 4.0/5 verified-buyer score
Positioning guardrails
Best for
- Finance teams centralising decentralised and tail-end company spend
- Mid-market and enterprise businesses issuing physical, virtual and fuel cards to staff
- Multi-entity, multi-currency organisations needing real-time budget control
- Companies replacing cash floats and manual expense claims with enforced card rules
Ideal size: 10-5,000+ employees people · Scale-up to enterprise with a dedicated finance function
Not for
- Sole traders and unincorporated businesses (Soldo serves incorporated entities only)
- Teams looking for a free spend management tier
- Businesses wanting Soldo to replace rather than sit alongside their business bank account
Value metrics scorecard
Time-to-Value
Live in days; 30-day free trial
~7 days to first production value
Total Cost of Ownership
$1,200/yr
Starts at $410 · Per-account subscription billed monthly (Standard GBP 27/mo, Plus GBP 39/mo, Unlimited custom); separate financial-services fees for card issuance, cash withdrawals, FX and similar
Implementation Friction
2/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Standard and Plus start with 3 users and 3 cards; Unlimited is unlimited users and cards; extra users, cards and wallets are added as needed
Add-on costs
- Additional users, cards and wallets beyond plan inclusions
- Financial services fees: card issuance, cash withdrawals and other payment fees
- Bank Transfer Access add-on on the Standard plan
- Add-on integrations (NetSuite, Microsoft Dynamics 365, SAP Concur, HRIS, SSO, ZTravel, Payroll CSV) and CO2e Tracker
- Professional Services: custom setup, custom reporting and bespoke integrations
Company & support
Who is behind Soldo, and how your team gets help once it is live.
Company
- Founded
- Not recorded
- Headquarters
- London, United Kingdom
How you get support
- PhoneNot listed
- EmailAll plans
- Live chatAll plans
- Support portal / ticketsNot listed
- Community forumNot listed
- Help centre / docsAll plans
- Dedicated account managerEnterprise only
- In person / on-siteNot listed
- Hours
- Business hours
- Response time
- Not stated
Standard plans include access to support during business hours plus the Soldo Knowledge Base, live chat and email support; Plus adds setup support; Unlimited adds an assigned Customer Success team and Professional Services.
“Not listed” means the vendor’s public pages don’t mention that channel, not that it is unavailable. Ask about it during evaluation.
Market position
Where Soldo sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line. A dashed ring marks an outlier pinned to the edge; hover for its value.
Companies on the chart 6 / 10
- Soldo
- Ramp
- Tipalti
- Navan
- PaperCut
- ITILITE
Add or change companies
Up to 10 companies including Soldo. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What Soldo ships in AI, and what it asks of your ecosystem.
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
Soldo is a proactive spend management platform used by 25,000+ businesses across 31 European countries. It combines prepaid Mastercard cards (physical, virtual, fuel), bank transfers, budget wallets and approval workflows with receipt OCR, accounting and ERP integrations, and real-time reporting. Plans run Standard GBP 27/month and Plus GBP 39/month, with Unlimited priced on request; there is no free plan, only a 30-day trial. Forrester reports 358% ROI, sub-six-month payback and 80% reporting time savings. Services are for incorporated entities only.
Frequently asked questions
What does Soldo cost and is there a free plan?
Standard is GBP 27 per month plus VAT (30-day free trial) and starts with 1 wallet, 3 users, 3 physical or virtual cards and up to 20 outbound bank transfers per month. Plus is GBP 39 per month plus VAT and adds three wallets, multi-currency spending, OCR receipt capture, Amazon Business integration and more transfers. Unlimited is enterprise-grade with unlimited wallets, users, cards and transfers, priced on request. Additional financial-services fees apply for card issuance, cash withdrawals and similar. Soldo does not offer a free plan.
How long does implementation take?
Soldo states there is no complex IT integration and that customers can be up and running in days; standard account setup is promoted as taking about five minutes. Plus adds setup support and Unlimited includes tailored onboarding, professional services and custom or bespoke integrations. The commissioned Forrester Total Economic Impact study reports a 358% return on investment and payback in under six months.
Does Soldo replace our business bank account?
No. Soldo provides spend management features that work alongside your business bank account rather than replacing it. You fund Soldo to separate staff spending from main company funds while gaining card rules, wallets, approval workflows and real-time reporting. Outbound Faster Payments (UK) and SEPA (EU) transfers are available on Standard and Plus, subject to eligibility.
Which systems does Soldo integrate with?
Soldo publishes one-click or templated integrations with Xero, QuickBooks, Sage, Exact Online, DATEV, FreshBooks, Zoho Invoice, NetSuite, Microsoft Dynamics 365, Oracle E-Business Suite, Certinia and Odoo, plus SAP Concur, TravelPerk, Egencia, BizAway and ZTravel for travel, Amazon Business for purchasing, and HiBob, Workday, Personio, BambooHR, ADP, Namely and SAP SuccessFactors for HR. Slack, Teams and identity providers such as Okta and Entra ID are also supported, and a Business API plus Professional Services cover custom work.
Is Soldo secure and compliant?
Soldo's security page states it is PCI DSS Level 1 accredited annually since 2017, ISO/IEC 27001 certified since 2019, ISO/IEC 9001 certified since 2019 and Cyber Essentials Plus certified, and it sits on the UK G-Cloud 12 and 13 frameworks. It uses 3D Secure, Strong Customer Authentication and card locking, with quarterly vulnerability assessments and penetration testing. Soldo Software Ltd also states compliance with UK and EU data protection legislation including GDPR.
Who can open a Soldo account?
Soldo only serves incorporated entities and states it cannot currently help sole traders. Its customer base spans more than 25,000 businesses across 31 European countries, from small businesses through to enterprise groups, with the platform operated by Soldo Software Ltd and payments provided by regulated Soldo Financial Services entities in the UK and Ireland. Accounts can be closed at any time by emailing support.