Soldo
Soldo combines business cards, software, a mobile app, and payment options to help companies manage spending.
What Soldo is
Soldo combines business cards, software, a mobile app, and payment options to help companies manage spending. Businesses can use it for travel and expenses, team budgets, and unpredictable costs. Finance teams can set spending limits, approval rules, and real-time alerts before money leaves the account. Employees can capture receipts in the mobile app, attach them to transactions, and add notes, categories, and tax rates. Soldo lists integrations with SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite. Custom integrations are available through its API or Professional Services team, and it also provides a Business API. Standard, Plus, and Unlimited plans have different wallet, user, card, and transfer allowances; Unlimited pricing is available on request. Soldo has no free plan and offers a 30-day trial. It serves incorporated businesses, not sole traders, and works alongside a business bank account rather than replacing one. Soldo was founded in London in 2015. It says it is PCI DSS Level 1 certified, ISO/IEC 27001 accredited, and Cyber Essentials Plus certified.
Good
- Spending limits, approval rules, and real-time alerts are available.
- Mobile receipt capture links receipts to transactions.
- Integrations include Xero, QuickBooks, and NetSuite.
- Business API and custom integrations are offered.
- 30-day trial is available.
Watch out
- There is no free plan.
- Sole traders are not currently eligible.
- Some card issuance and cash withdrawal services may incur fees.
Who it suits
Soldo is for incorporated businesses that need company cards, expense tracking, team budgets, and spending controls. It does not currently serve sole traders and is designed to complement, not replace, a business bank account.
Verdict
Soldo brings card spending, receipt capture, and budget controls together for incorporated businesses. Review plan allowances and possible additional financial-service fees before deciding.
Plans and prices
From Soldo's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Unlimited | Priced on request | Unlimited company wallets · unlimited users · unlimited Soldo cards · unlimited outbound bank transfers · Price on request |
| Standard | £27 a month | 1 wallet · 3 users · 3 physical or virtual cards · up to 20 outbound bank transfers per month · +VAT* |
| Plus | £39 a month | 3 company wallets · 3 users · 3 physical or virtual cards · up to 30 outbound bank transfers per month · +VAT* |
The facts
Each one read from Soldo's own pages, with the date it was checked.
What it does
- Additional fees
- Some financial services, including card issuance and cash withdrawals, may incur fees beyond the monthly subscription.checked 9 Oct 2026
- Authentication
- Soldo says multi-factor authentication helps prevent fraud and keep accounts secure, and its mobile app supports 3DS and Strong Customer Authentication for online transactions.checked 9 Oct 2026
- Cards and receipts
- Employees can use Soldo cards and the mobile app to capture receipts, attach them to transactions, and add notes, categories, and tax rates.checked 9 Oct 2026
- Custom integrations and API
- Soldo offers custom integrations via API or with help from its Professional Services team, and provides a Soldo Business API.checked 9 Oct 2026
- Eligibility limit
- Soldo says it serves incorporated businesses and cannot currently help sole traders.checked 9 Oct 2026
- Integrations
- Soldo lists integrations including SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite.checked 9 Oct 2026
- Not a bank account
- Soldo says its service works alongside a business bank account rather than replacing it.checked 9 Oct 2026
- Product
- Soldo is a proactive spend management platform combining business cards, software, a mobile app, and payment options.checked 9 Oct 2026
- Security certifications
- Soldo states that it is PCI DSS Level 1 certified, ISO/IEC 27001 accredited, and Cyber Essentials Plus certified.checked 9 Oct 2026
- Spend controls
- The platform lets finance teams set spending limits, approval rules, and real-time alerts before money leaves the account.checked 9 Oct 2026
- Support
- The Standard plan includes support during business hours, while Plus includes additional setup support.checked 9 Oct 2026
- What it manages
- Businesses use Soldo to manage travel and expenses, set team budgets, and handle unpredictable spending.checked 9 Oct 2026
The company
- Company history
- Soldo says it was founded in London in 2015 by entrepreneurs and banking experts.checked 9 Oct 2026
- Founded
- 2015checked 28 Sep 2026
- Headquarters
- London, United Kingdomchecked 28 Sep 2026
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