Comparison · 2026 edition
Airwallex vs Soldo: spend management compared 2026.
Airwallex and Soldo side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
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Airwallex and Soldo side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
In the Expense Cards and Spend Management Index, Airwallex scores higher overall: 4.8 out of 5 (97 out of 100) against 4.0 (81), ranking 1 and 4 of 12. Airwallex also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Airwallex | Soldo |
|---|---|---|
| Score out of 5 | 4.8 | 4.0 |
| Score out of 100 | 97 | 81 |
| Overall rank | 1 of 12 | 4 of 12 |
| For startups and small firms (out of 100) | 97, rank 1 | 86, rank 4 |
| For mid-market and multi-country groups (out of 100) | 96, rank 1 | 74, rank 6 |
| For regulated financial firms (out of 100) | 97, rank 1 | 83, rank 6 |
| Type | Spend management and global business account | Prepaid company card and expense platform |
Each score with the evidence behind it.
| Criterion | Airwallex | Soldo |
|---|---|---|
| Product coverage | 4/5 Cards, reimbursements, bill pay and procurement published; no travel booking. | 2/5 Cards and reimbursement transfers published; no bill pay software, travel or procurement. |
| Published pricing | 5/5 Monthly plan prices and per-user fees published for two plans. | 5/5 Monthly prices and inclusions published for two plans. |
| Global reach | 5/5 Card issuing in 40+ markets published. | 3/5 Local issuing in the UK and EEA; no country count. |
| Integration | 5/5 NetSuite and Business Central plus a published API. | 4/5 Accounting and SAP Concur connections; no API confirmed on the pages read. |
| Regulatory standing | 5/5 Own FCA e-money licence with FRN, and SOC 2. | 5/5 Own FCA and Central Bank of Ireland regulated issuers, ISO 27001 and PCI DSS Level 1. |
| Spend controls | 5/5 Card limits, approvals and automatic receipt matching published. | 5/5 Budgets, permissions, receipt capture and approval workflows published. |
Each criterion is scored 0 to 5 against the best published offer in the Expense Cards and Spend Management Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Airwallex | Soldo |
|---|---|---|
| Product coverage | Multi-currency company and employee cards; "Spend requests, expense management, and reimbursements"; "Domestic and international bill pay"; purchase orders and requests on the Accelerate plan. | Mastercard prepaid company and employee cards; receipt capture; outbound transfers by Faster Payments and SEPA to "pay suppliers, reimburse employees". |
| Pricing | Explore: "£0 or £19 /month", £0 with £10k monthly deposits or balance. Grow: £49/month. Additional users: "£5/additional employee card user/month" on Explore, "£12/additional active spend user/month" on Grow. Accelerate: custom. | Standard: "£27 per month +VAT" with 1 wallet, 3 users, 3 cards and up to 20 transfers. Plus: "£39 per month +VAT" with 3 wallets, 3 users, 3 cards and up to 30 transfers. Unlimited: "Price on request". Card and withdrawal fees listed separately. |
| Global reach | "Issue cards instantly in 40+ markets and spend from balances in 10+ currencies"; payouts to 150+ countries. | Services from Soldo Financial Services Ltd (UK) and Soldo Financial Services Ireland DAC (EEA); country count not published. |
| Integration | Xero and QuickBooks on all plans; NetSuite and Dynamics 365 Business Central on Accelerate; "Core API access". | "Connect to your accounting software"; SAP Concur and "100+ software systems" on Unlimited. |
| Regulatory standing | "Airwallex (UK) Limited is an authorised Electronic Money Institution and is regulated by the Financial Conduct Authority ('FCA'). FRN: 900876." States "PCI DSS, SOC1, and SOC2 compliance". | Soldo Financial Services Ltd "authorised as an Electronic Money Institution by the Financial Conduct Authority (firm registration number 900459)"; Soldo Financial Services Ireland DAC "regulated by the Central Bank of Ireland". ISO/IEC 27001 annually since 2019; PCI DSS Level 1 since 2017. |
| Spend controls | "Card controls to limit spend and freeze/cancel cards"; "Customisable, multi-conditional approvals"; "AI receipt matching with email forwarding". | Wallets for team budgets; user permissions and roles; OCR receipt capture; "Build custom expense approval workflows" on Unlimited; card locking. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Airwallex: nothing in this profile is marked as not published or not stated.
Not published or not stated by Soldo: global reach.
Facts read on 26 October 2026 from: airwallex.com/uk/pricing, airwallex.com/uk/spend-management; and soldo.com/en-gb/pricing, soldo.com/en-gb/security.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Multi-country firms wanting cards, bills and accounts in one place with published prices.
UK and EU firms wanting a published monthly price and regulated card issuer.
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