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    Soldo

    Soldo issues prepaid company cards with per-card spending limits, multi-wallet budgets, and receipt capture for small business expense management.

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    ToolTrim verdict Good

    Keep it if Keep Soldo if you need to hand out company cards to a few people with per-card limits and automatic receipt capture.

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    About

    In practice. What you can do with Soldo.

    Soldo combines prepaid company cards with spending controls: each card carries its own limit and category rules, and receipts are captured through the mobile app instead of filed afterward. Wallets group cards under a shared monthly budget, so a manager can track a department or project without reconciling expense reports by hand.

    The Standard plan starts at £27 a month for one wallet and three cards, with a 30-day trial and no permanent free tier. It suits a small team or ops lead replacing personal reimbursement with controlled company cards, while heavier multi-currency or approval-workflow needs push toward the costlier Plus or on-quote Unlimited plan.

    Practical uses

    • Team expense controlIssue a prepaid card per employee with its own spending cap, and review transactions as receipts are captured.
    • Project budgetsOpen a dedicated wallet with a monthly budget on the Plus plan, and let several cards draw from it without separate approvals each time.

    Features & use cases

    Payments
    Finance

    The case for and against. What Soldo does well, and when it costs too much.

    For. What works in its favour.

    • Per-card spending limits and category rules reduce misuse without manual expense reports.
    • Receipt capture and wallet budgets give a live view of team spend.

    Pays off from

    41 minsaved a month

    Soldo costs £27/month. If your hour is worth £40, those 41 min cover it.

    Against. What to plan for.

    • No permanent free plan, only a 30-day trial before billing starts.
    • The entry Standard plan caps transfers and users at a low ceiling (3 users, 20 transfers a month).

    Too expensive if

    • You use it less than once a month
    • A simple free version or a tool already in your stack would do

    Pricing. What does Soldo cost ?

    Standard

    ToolTrim reference price

    £27/mo

    • 1 wallet
    • 3 users
    • 3 cards
    • Up to 20 monthly bank transfers

    Plus

    £39/mo

    • 3 wallets, 3 users, 3 cards, up to 30 monthly bank transfers, budget management, multi-currency

    Unlimited

    Custom quote.

    • Unlimited wallets, users, cards and bank transfers
    • Role-based access
    • Custom approval workflows
    • SAP Concur integration

    Checked on September 25, 2026Official pricing

    Alternatives. What could replace Soldo?

    Spendesk3.4/5 · GoodCorporate card issuance and expense management platform with OCR receipt capture, priced on a custom quote.Payhawk3.4/5 · GoodFrom €173.78/moAll-in-one corporate cards, expenses, bill pay and reimbursements, with AI-based data extraction for a single-entity company.Qonto3.6/5 · Very goodFrom €9/moQonto is a French business bank account with IBAN, cards, invoicing and accounting sync for freelancers and small teams.

    Our verdict. What to know about Soldo.

    How the score breaks down

    Added value

    Card-level limits and receipt capture replace manual reimbursement, but the dossier's facts don't show a cost advantage over similarly priced tools like Spendesk or Qonto.

    Simplicity

    Issuing a first card is described as a core Standard-plan feature, but the dossier does not state an onboarding or setup duration.

    Fit for purpose

    Card issuance, spending caps and receipt capture work as described on the official pricing page, with no workaround mentioned.

    Performance

    The Unlimited plan adds role-based access, custom approval workflows and a SAP Concur connector, but the dossier has no comparison showing it leads the category.

    Reversibility

    Neutral score: data export and API portability are not covered by the collected sources.

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    AI. What it changes for Soldo.

    AI augments this tool

    Go further with AI

    Soldo combines professional payment cards with expense management software, with automatic transaction categorization — a financial infrastructure need, not content generation.

    Can AI replace it?

    Replace Soldo with an AI? No: issuing professional payment cards with controlled spending limits remains a regulated financial infrastructure need. AI categorizes spending, it doesn't replace the cards themselves. Verdict: AI augments categorization, payment infrastructure remains the product.

    Soldo Summary

    Category
    productivity tool.
    Price from
    £27/mo (Standard).
    Best for
    A small business ops or finance lead issuing and controlling cards for a handful of employees.
    Avoid if
    Avoid it if your team is past 3 cardholders on a tight budget, since Plus or the on-quote Unlimited plan quickly add to the base price.
    Alternatives
    Spendesk, Payhawk, Qonto.
    ToolTrim verdict
    Worth it once the Standard plan's 324 pounds a year (27 pounds x 12) costs less than the time spent chasing receipts by hand.

    Frequently asked questions. What people ask about Soldo.

    What is Soldo used for?

    Soldo issues prepaid company cards with per-card spending limits, multi-wallet budgets, and receipt capture for small business expense management.

    How much does Soldo cost?

    Soldo costs £27/month (Standard plan). Price verified on September 25, 2026.

    Is Soldo suitable for beginners?

    A small business ops or finance lead issuing and controlling cards for a handful of employees.

    Is Soldo worth the price?

    Worth it once the Standard plan's 324 pounds a year (27 pounds x 12) costs less than the time spent chasing receipts by hand.

    What are the best alternatives to Soldo?

    The main alternatives to Soldo are: Spendesk, Payhawk, Qonto. Free alternatives: Spendesk.

    SoldoFrom £27/mo
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    Your next step.

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