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SPECIFICTION
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Soldo

soldo.com

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Spec score 7.8 #9 of 29 in Fuel Management Software

What it is

Soldo combines business cards, software, a mobile app, and payment options to help companies manage spending. Finance teams can set budgets, spending limits, approval rules, and real-time alerts before funds leave the account. Employees can use Soldo cards and the app to capture receipts, attach them to transactions, and add notes, categories, and tax rates. Businesses use it for travel and expenses, team budgets, and unpredictable spending. Soldo lists integrations with SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite, alongside custom integrations through its API or Professional Services team. The Soldo Business API is also available. Standard includes one wallet, three users, three cards, and up to 20 outbound transfers per month; Plus includes three wallets and up to 30 transfers per month. Unlimited has unlimited wallets, users, cards, and outbound transfers, with a price on request. Soldo runs on web, Android, iOS, and API. It offers a 30-day trial but no free plan; some services may incur additional fees.

Spec sheet

Product
Soldo is a proactive spend management platform combining business cards, software, a mobile app, and payment options.Read 9 Oct 2026 · soldo.com
Integrations
Soldo lists integrations including SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite.Read 9 Oct 2026 · soldo.com
Support
The Standard plan includes support during business hours, while Plus includes additional setup support.Read 9 Oct 2026 · soldo.com
Headquarters
London, United KingdomRead 28 Sep 2026 · soldo.com
Founded
2015Read 28 Sep 2026 · soldo.com
Additional fees
Some financial services, including card issuance and cash withdrawals, may incur fees beyond the monthly subscription.Read 9 Oct 2026 · soldo.com
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.Read 9 Oct 2026 · soldo.com
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.Read 9 Oct 2026 · soldo.com
Company history
Soldo says it was founded in London in 2015 by entrepreneurs and banking experts.Read 9 Oct 2026 · soldo.com
Custom integrations and API
Soldo offers custom integrations via API or with help from its Professional Services team, and provides a Soldo Business API.Read 9 Oct 2026 · soldo.com
Eligibility limit
Soldo says it serves incorporated businesses and cannot currently help sole traders.Read 9 Oct 2026 · soldo.com
Not a bank account
Soldo says its service works alongside a business bank account rather than replacing it.Read 9 Oct 2026 · soldo.com
Security certifications
Soldo states that it is PCI DSS Level 1 certified, ISO/IEC 27001 accredited, and Cyber Essentials Plus certified.Read 9 Oct 2026 · soldo.com
Spend controls
The platform lets finance teams set spending limits, approval rules, and real-time alerts before money leaves the account.Read 9 Oct 2026 · soldo.com
What it manages
Businesses use Soldo to manage travel and expenses, set team budgets, and handle unpredictable spending.Read 9 Oct 2026 · soldo.com

Plans and prices

Unlimited Priced on request Price on request Unlimited company wallets · unlimited users · unlimited Soldo cards · unlimited outbound bank transfers Read 9 Oct 2026 · soldo.com
Standard £27 a month +VAT* 1 wallet · 3 users · 3 physical or virtual cards · up to 20 outbound bank transfers per month Read 9 Oct 2026 · soldo.com
Plus £39 a month +VAT* 3 company wallets · 3 users · 3 physical or virtual cards · up to 30 outbound bank transfers per month Read 9 Oct 2026 · soldo.com

Every Soldo plan and price →

Strong points and limits

Strong points

  • Finance teams can set limits, rules, and real-time alerts.
  • Employees can capture receipts in the mobile app.
  • Supports multi-currency spending.
  • Lists accounting and business software integrations.
  • Offers a 30-day trial.

Limits

  • There is no free plan.
  • Sole traders are not currently eligible.
  • Some services may carry additional fees.
  • It does not replace a business bank account.

Who it suits

Soldo is for incorporated businesses managing employee spending, expenses, and budgets. It cannot currently serve sole traders, and it works alongside rather than replacing a business bank account.

Verdict

Soldo offers cards and spending controls with receipt capture, integrations, and several plan structures. Businesses should check eligibility, potential additional fees, and how the service fits alongside their bank account.

Where Specifiction places it

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