Provider profile · 2026 edition
Soldo review 2026: scores, pricing and alternatives.
A prepaid company card and expense platform with wallets for team budgets.
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A prepaid company card and expense platform with wallets for team budgets.
Soldo scores 4.0 out of 5 (81 out of 100) in the Buckingham Intelligence Expense Cards and Spend Management Index 2026 and ranks 4 of 12. It is strongest for UK and EU firms wanting a published monthly price and regulated card issuer, with 5 out of 5 for published pricing, regulatory standing and spend controls. Not published or not stated on the pages read: global reach.
Scores from the Expense Cards and Spend Management Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For startups and small firms | 86 | 4 of 12 |
| For mid-market and multi-country groups | 74 | 6 of 12 |
| For regulated financial firms | 83 | 6 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 EU firms wanting a published monthly price and regulated card issuer.
What Soldo publishes on its own pages, read on 26 October 2026.
A prepaid company card and expense platform with wallets for team budgets. It publishes monthly plan prices, its own FCA and Central Bank of Ireland regulated issuers, ISO/IEC 27001 and PCI DSS Level 1. It does not offer bill pay software, travel booking or procurement.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Mastercard prepaid company and employee cards; receipt capture; outbound transfers by Faster Payments and SEPA to "pay suppliers, reimburse employees". |
| 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 | Services from Soldo Financial Services Ltd (UK) and Soldo Financial Services Ireland DAC (EEA); country count not published. |
| Integration | "Connect to your accounting software"; SAP Concur and "100+ software systems" on Unlimited. |
| Regulatory standing | 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 | 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 |
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: soldo.com/en-gb/pricing, soldo.com/en-gb/security.
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 |
| 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 |
| Pleo | 3.5 | 8 of 12 | UK and European small firms wanting clear per-user prices |
| 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.
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