Provider profile · 2026 edition
Pleo review 2026: scores, pricing and alternatives.
A company card and expense platform with reimbursements and accounts payable.
WhatsApp and Telegram +44 7563 115980
[email protected]
A company card and expense platform with reimbursements and accounts payable.
Pleo scores 3.5 out of 5 (71 out of 100) in the Buckingham Intelligence Expense Cards and Spend Management Index 2026 and ranks 8 of 12. It is strongest for UK and European small firms wanting clear per-user prices, with 5 out of 5 for published pricing and spend controls. Not published or not stated on the pages read: global reach and regulatory standing.
Scores from the Expense Cards and Spend Management Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For startups and small firms | 79 | 5 of 12 |
| For mid-market and multi-country groups | 65 | 8 of 12 |
| For regulated financial firms | 68 | 9 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK and European small firms wanting clear per-user prices.
What Pleo publishes on its own pages, read on 26 October 2026.
A company card and expense platform with reimbursements and accounts payable. It publishes the most detailed price list in this edition, including payment and foreign exchange fees, and its own FCA e-money licence. It does not offer travel booking or procurement, and certifications were not found on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Physical and virtual cards; reimbursements and mileage on Build; accounts payable with invoice OCR; cash management. |
| Pricing | Start: "£8 Per user / month", monthly billing, 1 admin. Build: "£14 Per user / month", billed yearly, 3 users minimum. Optimise: "£18 Per user / month". Direct reimbursements 0.90%; international payments £8 or £6; card FX fee 2.00%, 1.75% or 1.49% by plan. |
| Global reach | "Trusted by 40,000+ companies across Europe"; country count not published. |
| Integration | Accounting integrations on all plans including Xero and a "Certified Built for NetSuite" integration; HRIS integrations and MCP on Optimise. |
| Regulatory standing | "Pleo Financial Services UK Ltd is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference number: 1020730." |
| Spend controls | "Individual card limits", "Card limits per purchase", "automated blocks on ATM withdrawals or specific categories", approval workflows, and "Freeze cards automatically when receipts are missing". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: pleo.io/en/pricing, pleo.io/en/spend-controls, pleo.io/en/integrations.
Each score with the evidence behind it.
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
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Airwallex | 4.8 | 1 of 12 | Multi-country firms wanting cards, bills and accounts in one place with published prices |
| Brex | 4.7 | 2 of 12 | US and global firms wanting a free plan and local cards in many countries |
| Ramp | 4.7 | 3 of 12 | US firms wanting cards, bills, travel and procurement on one platform |
| Soldo | 4.0 | 4 of 12 | UK and EU firms wanting a published monthly price and regulated card issuer |
| Spendesk | 3.9 | 5 of 12 | European firms wanting unlimited users and their own regulated card issuer |
| Moss | 3.8 | 6 of 12 | European firms wanting an EU-regulated issuer and EU data hosting |
| Payhawk | 3.8 | 7 of 12 | Multi-entity firms wanting cards, bills, travel and procurement with deep ERP links |
| Mesh | 3.1 | 9 of 12 | US firms wanting travel and SaaS spend on virtual cards |
| Aspire | 3.1 | 10 of 12 | Asian firms wanting a free plan with cards and multi-currency accounts |
| Volopay | 3.0 | 11 of 12 | Firms in Asia-Pacific and the US wanting cards and payouts together |
| Navan | 2.6 | 12 of 12 | Firms under 300 staff wanting free travel booking with expenses |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Pleo is compared with its alternatives in the table above.
Tell us what you need and where you operate.