
Pleo
Pleo provides company spending cards and spend-management tools for businesses.
What Pleo is
Pleo provides company spending cards and spend-management tools for businesses. Its offering covers expense management, reimbursements, cash management, accounts payable, and multi-currency use. The service provides real-time expense tracking and automated expense reports. Depending on the plan, controls include card limits, approval workflows, and AI-powered spend guidelines. Pleo lists accounting and business integrations including Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield, and BambooHR. The web and mobile service also lists an API. Pleo says it encrypts data in transit using TLS 1.2 with AES256 and SHA384, and stores and processes customer data in AWS data centers in Ireland. It lists PCI-DSS, GDPR adherence, Google's Cloud Application Security Assessment, and a Cloud Security Alliance CAIQ self-assessment. Plans include email support; live chat is limited to Optimise. Start is £8 a month, billed monthly, and has a maximum of one admin. Build costs £14 a month per user, billed yearly, with a three-user minimum; Optimise costs £18 a month per user, billed yearly, also with a three-user minimum. A free trial is offered for Start and Build. Pleo was founded in Copenhagen in 2015 and says it serves companies of all sizes and industries.
Good
- Real-time expense tracking and automated reports
- Includes reimbursements and accounts payable tools
- Lists integrations with Xero, NetSuite, and QuickBooks
- All listed plans include email support
Watch out
- No free plan
- Build and Optimise require at least three users
- Live chat support is limited to Optimise
- Start permits a maximum of one admin
Who it suits
Pleo suits businesses seeking company cards alongside expense, reimbursement, cash, and accounts-payable tools. Start may fit a single-admin setup, while Build and Optimise require at least three users.
Verdict
Pleo brings company spending cards and several spend-management functions into one service, with plan-dependent controls and support. Review the user and admin limits as well as the different billing terms before selecting a plan.
Plans and prices
From Pleo's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Start | £8 a month | Per user · Max 1 admin · 1 vendor card · Credit limit up to £5,000 for eligible customers · Monthly billing only |
| Build | £14 a month | Per user · 3 users minimum · Up to 15 vendor cards · Credit limit up to £20,000 for eligible customers · Billed yearly |
| Optimise | £18 a month | Per user · 3 users minimum · Up to 50 vendor cards · Credit limit up to £100,000 for eligible customers · Billed yearly |
| Scale | $249 a month | 3 included users · 3 minimum users · 100 reimbursement-only users · 200 AI expense reviews/month · 10 transfer rules · 0.90% direct reimbursements · Starting from $249/month |
| Lead | $499 a month | 5 included users · 5 minimum users · unlimited reimbursement-only users · unlimited virtual cards · unlimited AI expense reviews · 20 transfer rules · 0% direct reimbursements · Starting from $499/month |
The facts
Each one read from Pleo's own pages, with the date it was checked.
What it does
- Accounting integrations
- Pleo lists integrations including Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR.checked 4 Oct 2026
- API
- Pleo provides a public developer API, while its legacy token API is deprecated and scheduled for retirement.checked 21 Oct 2026
- Budget limitation
- Soft budgets track tagged spend but do not block transactions, while sub-accounts can decline cards when allocated funds run out.checked 21 Oct 2026
- Compliance
- Pleo lists PCI-DSS, Google's Cloud Application Security Assessment, GDPR adherence and a Cloud Security Alliance CAIQ self-assessment.checked 4 Oct 2026
- Customer base
- Pleo says more than 40,000 European businesses use the platform.checked 21 Oct 2026
- Data location
- Pleo says customer data is stored and processed in AWS data centers in Ireland (eu-west-1).checked 4 Oct 2026
- Data protection
- Pleo says cardholder data is encrypted, stored in a PCI DSS level-1 EEA data centre and transmitted with 2048-bit SSL.checked 21 Oct 2026
- Documentation
- Pleo maintains a searchable Help Centre covering setup, cards, expenses, accounting, cash management and troubleshooting.checked 21 Oct 2026
- Expense capture
- Employees capture receipts in the mobile app and Pleo can automatically match emailed receipts through Fetch.checked 21 Oct 2026
- Expense tracking
- Pleo provides real-time expense tracking and automated expense reports.checked 4 Oct 2026
- Features
- Its offering includes company cards, expense management, reimbursements, cash management, accounts payable and multi-currency tools.checked 4 Oct 2026
- Integrations
- Published integrations include Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR.checked 21 Oct 2026
- Invoice automation
- Pleo uses OCR for invoice capture and supports approval, scheduling, payment and reconciliation workflows.checked 21 Oct 2026
- Licence and hosting
- Pleo is proprietary SaaS rather than an open-source or self-hosted product; its published third-party licence page lists open-source components used inside the service.checked 21 Oct 2026
- Limit: card acceptance
- GetApp reviewers mention occasional card-acceptance problems and minor feature gaps.checked 21 Oct 2026
- Limit: integrations and reporting
- TrustRadius reviewers identify integration breadth, reporting and analytics, multi-currency support and expense-rule automation as improvement areas.checked 21 Oct 2026
- Limit: mobile expense clarity
- A Google Play reviewer reports difficulty distinguishing card versus personal expenses, reimbursement state and transaction time zones.checked 21 Oct 2026
The company
- Company cards
- It issues physical, virtual, temporary and vendor cards with configurable limits and transaction monitoring.checked 21 Oct 2026
- Company founding
- Pleo was founded in 2015 by Jeppe Rindom and Niccolo Perra.checked 21 Oct 2026
- Company history
- Pleo says it was founded in Copenhagen in 2015 by Jeppe Rindom and Niccolo Perra.checked 4 Oct 2026
- Company legal name
- The company is listed as Pleo Technologies ApS.checked 21 Oct 2026
- Company size
- LinkedIn lists Pleo at 501–1,000 employees.checked 21 Oct 2026
- Founded
- 2015checked 28 Sep 2026
- Headquarters
- Pleo's headquarters are in Copenhagen, Denmark.checked 21 Oct 2026
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