Comparison · 2026 edition
Brex vs Soldo: spend management compared 2026.
Brex and Soldo side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
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Brex 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, Brex scores higher overall: 4.7 out of 5 (93 out of 100) against 4.0 (81), ranking 2 and 4 of 12. Brex also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Brex | Soldo |
|---|---|---|
| Score out of 5 | 4.7 | 4.0 |
| Score out of 100 | 93 | 81 |
| Overall rank | 2 of 12 | 4 of 12 |
| For startups and small firms (out of 100) | 93, rank 2 | 86, rank 4 |
| For mid-market and multi-country groups (out of 100) | 93, rank 3 | 74, rank 6 |
| For regulated financial firms (out of 100) | 93, rank 3 | 83, rank 6 |
| Type | Corporate card and spend management platform | Prepaid company card and expense platform |
Each score with the evidence behind it.
| Criterion | Brex | Soldo |
|---|---|---|
| Product coverage | 5/5 Cards, reimbursements, bill pay, travel and a procurement card published. | 2/5 Cards and reimbursement transfers published; no bill pay software, travel or procurement. |
| Published pricing | 5/5 Per-user prices published for two plans. | 5/5 Monthly prices and inclusions published for two plans. |
| Global reach | 5/5 Local-currency cards in 50+ countries published. | 3/5 Local issuing in the UK and EEA; no country count. |
| Integration | 4/5 ERP integrations and an API published; ERP systems not named on the pricing page. | 4/5 Accounting and SAP Concur connections; no API confirmed on the pages read. |
| Regulatory standing | 5/5 Named issuing banks, money transmitter licence number and SOC 2 Type II. | 5/5 Own FCA and Central Bank of Ireland regulated issuers, ISO 27001 and PCI DSS Level 1. |
| Spend controls | 4/5 Spend limits, merchant controls and approvals published; receipt capture not confirmed on the pages read. | 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 | Brex | Soldo |
|---|---|---|
| Product coverage | Corporate cards, reimbursements, bill pay, travel booking ("free on Essentials") and a Smart Card "for companies that want to simplify procurement". | Mastercard prepaid company and employee cards; receipt capture; outbound transfers by Faster Payments and SEPA to "pay suppliers, reimburse employees". |
| Pricing | Essentials: "$0 user/month". Premium: "$12 user/month". Enterprise and Smart Card: custom pricing. | 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 | "Local-currency cards and billing in 50+ countries" (pricing page); "Issue physical and virtual cards in 60+ countries" (global page). | Services from Soldo Financial Services Ltd (UK) and Soldo Financial Services Ireland DAC (EEA); country count not published. |
| Integration | Accounting integrations and "Brex API access" on Essentials; "Customizable ERP integrations and HRIS integrations" on Premium. | "Connect to your accounting software"; SAP Concur and "100+ software systems" on Unlimited. |
| Regulatory standing | Cards issued by Emigrant Bank, Fifth Third Bank N.A., Airwallex (Netherlands) B.V. and Sutton Bank; "Brex Payments LLC, a licensed money transmitter (NMLS #2035354)"; "SOC 1 Type II, SOC 2 Type II, and PCI-DSS". "Brex LLC is a wholly owned subsidiary of Capital One, N.A." | 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 | "AI-powered custom rules"; "Advanced approvals with dynamic Spend Limit approval chains"; "Merchant card controls and custom approvals". | 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 Brex: integration and spend controls.
Not published or not stated by Soldo: global reach.
Facts read on 26 October 2026 from: brex.com/pricing, brex.com/global, brex.com/security; 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.
US and global firms wanting a free plan and local cards in many countries.
UK and EU firms wanting a published monthly price and regulated card issuer.
Tell us what you need and where you operate.