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Pleo

Pleo provides company spending cards and spend-management tools for businesses.

Place
#1 of 37
Score
7.8
Pleo's website

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.

All about pricing
PlanPriceWhat it gives you
Start£8 a monthPer user · Max 1 admin · 1 vendor card · Credit limit up to £5,000 for eligible customers · Monthly billing only
Build£14 a monthPer user · 3 users minimum · Up to 15 vendor cards · Credit limit up to £20,000 for eligible customers · Billed yearly
Optimise£18 a monthPer user · 3 users minimum · Up to 50 vendor cards · Credit limit up to £100,000 for eligible customers · Billed yearly
Scale$249 a month3 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 month5 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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