Expense Management
Soldo
UK / wider Europe Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Soldo Software Ltd · www.soldo.com
Report an error on this page Is this your product? →
Link to this page
Add ?theme=dark to the image address for dark backgrounds.
The badge shows the category and the month of the latest evaluation, and EU-Made where
that is the product’s provenance. It never shows a score.
Soldo at a glance
- Vendor
- Soldo Software Ltd
- Headquarters
- Not stated on the vendor’s pages as of 28 Oct 2026
- Data hosting
- Not stated on the vendor’s pages as of 28 Oct 2026
- Free plan
- Yes, per the vendor’s own page source, captured 28 Oct 2026
- Panel verdict
- The AI panel rates Soldo 3/5, the mean of 6 judges. Soldo is a prepaid company-card platform with expense review built in, and the bench scored it strongest there: cards and spend control at 7-8, resting on physical and virtual Mastercards from named, regulated issuers, per-card rules and limits, instant freeze, one-off cards expiring in up to seven days, and budgets by project, team or site. how scores are made
- As of
- Vendor pages captured 28 Oct 2026; evaluated by the panel 29 Oct 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
Soldo is a prepaid company-card platform with expense review built in, and the bench scored it strongest there: cards and spend control at 7-8, resting on physical and virtual Mastercards from named, regulated issuers, per-card rules and limits, instant freeze, one-off cards expiring in up to seven days, and budgets by project, team or site. Accounting export is a flat 7, built on a concrete DATEV path — XML files plus a zip of receipts into DATEV Unternehmen online via Belegtransfer — with Xero, QuickBooks and 100+ named systems. The weak end is reimbursement and VAT at 3-4, where the vendor positions cards as replacing reimbursement and judges found no public information on payout of claims, per diems or mileage, and sovereignty at 3-4, where the contracting chain is documented but hosting, subprocessors and ownership are not. Receipt capture at 4-5 is app-and-OCR based but thinly specified; approval and policy at 6-7 and pricing transparency at 5-6 sit between, with the Unlimited tier price on request. flagged splits flagged nothing — no criterion spans more than one point — and persona-weighted totals run 5.1 to 6.0.
Speaks for it
- Physical and virtual Mastercards issued by named, regulated entities — an FCA-authorised e-money institution for the UK, Soldo Financial Services Ireland DAC regulated by the Central Bank of Ireland for the EEA — freezable or cancellable instantly
- Pre-spend control with evergreen or one-off fund requests approved in the app before money moves, real-time breach alerts and an audit trail from request to spend
- A step-by-step DATEV export — XML files plus a zip of receipts into DATEV Unternehmen online via Belegtransfer, carrying tax details and user notes per transaction
- Xero, QuickBooks, Oracle, NetSuite, Sage and SAP Concur named among 100+ integrations, with an API, a sandbox and custom export templates
- Standard at £27 per month +VAT and Plus at £39 per month +VAT, each starting with three users and three cards, with free deposits, no domestic transaction fees, foreign exchange fixed at 1.5% and no fixed contracts
Held against it
- Reimbursement and VAT scored 3-4: we found no public information on paying out approved claims, statutory per diems, mileage rates or foreign VAT reclaim, and the UK VAT calculator states it is a reference tool, not tax advice or a filing service
- Sovereignty scored 3-4: hosting location, subprocessors and ownership are unknown from the captured pages, and no data processing agreement was found on them
- Receipt capture scored 4-5: OCR sits on the Plus plan with no public information on which fields it reads, on email capture, duplicate checks or mileage entries
- The Unlimited tier is price on request, and card issuance and cash withdrawals are named as additional fees without amounts, so a full annual cost is not computable from the public pages
- We found no public information on deputies and escalation, per-country policy limits, several legal entities in one account, or feeds from a company's existing bank cards
Best for
- You want to replace employee out-of-pocket spending with prepaid company cards approved before money moves — cards and spend control scored 7-8
- Your accounts run on DATEV and your month-end needs receipt images and tax details to travel with each booking — accounting export scored a flat 7
- You allocate budgets by project, team or site and need per-card rules, instant freeze and one-off cards expiring within seven days
- You are a small team that fits the published tiers — three users and three cards at £27 or £39 per month +VAT — and can be costed from the public pages
Avoid if
- You need employees repaid through the product for out-of-pocket claims, with statutory per diems or mileage rates — reimbursement and VAT scored 3-4 and the captured pages position cards as replacing reimbursement
- You need audit-grade routing — deputies, escalation, per-country limits, several legal entities in one account — which the bench placed approval and policy at 6-7 below
- You must compute a full annual cost before committing — ask the vendor: the public pages we read do not show it
- Your procurement requires verified data residency and a subprocessor list before signature — these are unknown from the captured pages and sovereignty scored 3-4, so the questions go to the vendor
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 2.5 of 5 |
| Company cards & spend control | 4 of 5 |
| Approval workflows & expense policy | 3 of 5 |
| Reimbursement, travel allowances & VAT | 2 of 5 |
| Accounting handoff & DATEV | 3.5 of 5 |
| European sovereignty | 2 of 5 |
| Pricing transparency | 2.5 of 5 |
Receipt capture & expense claims
Show reasoningHide reasoning
How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
Employees snap a picture of each receipt including VAT on the mobile app, OCR receipt capture is named on the Plus plan, and receipts are matched to transactions instantly — capture at the point of purchase is clearly the intended habit. I found no public information on mileage or trip entries, receipts forwarded by email, duplicate checks, or a substitute receipt for the parking ticket I lost, so this is app-based capture and matching without the fuller claim machinery a heavy traveller wants. 1 4 8 9 14
The Office Manager
Employees snap a receipt in the mobile app at the point of purchase, VAT included, and the Plus plan lists automated receipt capture with OCR — that is the end of my monthly receipt-chasing. But we found no public information on receipts collected from email inboxes, duplicate or fraud checks, mileage entries, or a certified scanning procedure, so it stops short of the level where paper originals could be discarded. 4 8 9 14
The Controller
Receipts are photographed in the mobile app, OCR capture is named among the Plus plan features, VAT is captured with each receipt, and matching to card transactions is described as instant; out-of-pocket expenses can be approved in the app. We found no public information on email or supplier-side receipt collection, duplicate or fraud checks at submission, mileage and trip entries, or a substitute receipt for lost originals. 14 4 9 8 1 2
The Finance Lead
Employees snap receipts in the mobile app with VAT included, the Plus plan automates receipt capture with OCR, receipts are matched instantly, and reminders prompt employees for missing details. I found no public information on email forwarding of receipts, duplicate or fraud checks at submission, mileage and trip entries, or a GoBD-compliant substitute receipt, so this sits between basic capture and a full claims workflow. 1 2 4 8 14
The Tax Adviser
Receipts are snapped at the point of purchase with the mobile app, expressly including VAT, OCR capture is named on the Plus plan, and receipts are matched to transactions instantly. We found no public information on email capture, duplicate checks, mileage entries, a substitute receipt for lost originals, or a GoBD-compliant scanning statement, so I cannot advise a client that paper originals may be discarded. 14 8 4 9 1
The Skeptic
The mobile app snaps a receipt at point of purchase with VAT on it, and OCR appears as a feature of the Plus plan — but the pages never say which fields the OCR reads, and we found no public information on email capture, duplicate detection, a substitute receipt for lost originals, mileage entries, or claims converted from foreign currencies. Out-of-pocket expenses can be approved in the app, so capture is real, just thinly specified. 4 8 9 14
Company cards & spend control
Show reasoningHide reasoning
How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
This is the home ground: unlimited physical and virtual Mastercards with custom rules and limits per card, instant freezing from web or app, one-off virtual cards expiring within seven days, subscription and per-vendor cards, budgets by project, team or site that cards draw from, spend requests approved in the app before the money moves, and real-time alerts on rule breaches. The issuers and licences are named — an FCA-authorised e-money institution for UK customers and a Central Bank of Ireland-regulated entity for EEA customers. I found no public information on feeding transactions from the company's existing bank cards alongside the own cards. 8 9 10 11 12 13 15 17
The Office Manager
This is the heart of it: physical and virtual Mastercards with custom rules and limits per card, one-off cards expiring in up to seven days, a virtual card per subscription or vendor, budgets allocated by project, team or site, purchase-type and location restrictions, and instant freeze or cancel from web or app — exactly the set-up I want for my project leads. The issuers and licences are named (Soldo Financial Services Ltd for the UK, Soldo Financial Services Ireland DAC for the EEA, under Mastercard), though we found no public information on live feeds from the company's existing bank cards. 10 11 12 13 15
The Controller
Physical and virtual Mastercards are issued by named, regulated institutions — an FCA-authorised e-money institution in the UK, a Central Bank of Ireland-regulated entity for EEA customers — with per-card rules and limits, purchase-type and location restrictions, single-use virtual cards expiring within seven days, subscription and vendor-specific cards, instant freeze, and real-time notifications when a rule is breached. Budgets sit by project, team or site and spending requests are approved via the app before funds move, which is the pre-spend control I want; we found no public information on feeds from a company's existing bank cards or on multi-entity card accounts. 11 10 13 12 8 9 15 6 4 1
The Finance Lead
Own Mastercard cards, physical and virtual, with per-card rules and limits, instant freeze and cancellation, one-off virtual cards expiring in up to seven days, subscription and per-vendor cards, budgets by project, team or site, real-time alerts, and fund requests approved via the app before spending; the UK issuer is an FCA-authorised electronic money institution and EEA customers are served by an Irish entity regulated by the Central Bank of Ireland. I found no public information on live feeds from existing bank cards, which matters to a house booking card spend from three banks. 6 10 11 12 13 15
The Tax Adviser
Physical and virtual Mastercard cards in any number, per-card rules and limits, purchase-type and location restrictions, one-off cards expiring within seven days, vendor-specific subscription cards, budgets by project, team or site, and fund requests approved before money is topped up — with the issuing institutions named: Soldo Financial Services Ltd as an FCA e-money institution and Soldo Financial Services Ireland DAC regulated by the Central Bank of Ireland, under a Mastercard licence. We found no public information on feeds from a company's existing bank cards alongside the own cards. 10 11 13 12 8 6
The Skeptic
This is the heart of the product: physical and virtual Mastercard cards issued by named, regulated group entities (FCA-authorised in the UK, Central Bank of Ireland in the EEA), freezable or cancellable instantly, with limits and purchase restrictions per user, team and location, one-off virtual cards expiring in up to seven days, subscription and per-vendor cards, budgets by project, team or site, and evergreen or one-off spend requests approved via the app. We found no public information on limits by merchant category or period, or on feeds from the company's existing bank cards. 10 12 13 15
Approval workflows & expense policy
Show reasoningHide reasoning
How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Expenses route to the right approver or clear automatically against pre-set criteria, managers approve spending in real time from the phone, receipts and approvals are logged in a full audit trail from request to spend, and rules and roles are set per plan with custom approval workflows at the top tier. Deputies, escalation, per-country policy limits and per diem checks before submission have no public information, which keeps this above simple sign-off but below audit-grade routing. 2 4 12 13
The Office Manager
Approvals run from the phone, requests for evergreen or one-off funds are approved in the app before money moves, expenses route to the right approver or auto-approve against pre-set criteria, and approvals are logged in an audit trail from request to spend. We found no public information on deputies, escalation, per-country policy limits or several legal entities in one account, which is what would take this up a level. 2 4 12 13
The Controller
Expenses route to the right approver or auto-approve against pre-set criteria, custom approval workflows and role-based access are built in, spending requests are approved from the mobile app before money leaves, policy breaches are flagged in real time, and a full audit trail from request to spend is stated with approvals logged. We found no public information on delegation and escalation, per-country policy limits, duplicate checks, or running several legal entities in one account — the four-entity question I would have to put to the vendor. 12 2 4 13 3 11
The Finance Lead
Expenses route to the right approver or are approved automatically against pre-set criteria, the Unlimited tier adds custom approval workflows, policy breaches are detected in real time with compliance checked line by line, approvals come from the mobile app, and every transaction carries an audit trail from request to spend alongside roles and permissions. I found no public information on deputies and escalation, amount-band routing by cost centre, or several legal entities in one account. 2 4 12 13
The Tax Adviser
Rule-based auto-approval or routing per pre-set criteria, custom approval workflows on the top tier, approval from the mobile app, real-time breach notifications, role-based access, and a full audit trail from request to spend; a customer review also confirms approvals by phone with restricted general-ledger codes. We found no public information on deputies, escalation, per-country policy limits, or several legal entities in one account. 2 12 13 4
The Skeptic
Requests for evergreen or one-off spending can be approved in the app, expenses route to the right approver or auto-approve against pre-set criteria, policy breaches are detected in real time, and a full audit trail from request to spend is claimed alongside roles and permissions in every plan. We found no public information on routing by amount thresholds or cost centre, deputies and escalation, country-specific policy rules, several legal entities in one account, or whether the audit trail can be exported. 2 4 12 13
Reimbursement, travel allowances & VAT
Show reasoningHide reasoning
How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
The captured pages position the company card as the replacement for reimbursement — no out-of-pocket spending means no more reimbursements — while out-of-pocket expenses can still be approved in seconds on the mobile app, and I found no public information on how repayment reaches the employee's account or on what outbound bank transfers cost beyond plan counts. VAT is captured in the receipt snap and travels with each transaction into exports and DATEV, and the UK VAT page is explicitly a reference tool rather than tax advice or a filing service. Mileage allowances, statutory per diems, meal deductions and foreign VAT reclaim: no public information found. 3 8 9 14 16
The Office Manager
The pitch is that prepaid cards make out-of-pocket spending — and with it reimbursement — unnecessary; approving an out-of-pocket expense in seconds in the app is mentioned, but how the employee actually gets paid back is not described. The VAT content is a UK reference tool that says plainly it is not tax advice or a filing service, and we found no public information on statutory per diems, mileage allowances or foreign VAT reclaim. 8 9 14
The Controller
The product is positioned around removing out-of-pocket spending and reimbursement altogether, though out-of-pocket expenses can be approved in the app; VAT is captured per receipt, synced to accounting, and carried into the DATEV export with tax details, while the UK VAT rates appear on a reference calculator the vendor itself describes as not tax advice or a filing service. We found no public information on reimbursement payment runs or SEPA files, statutory per diems or mileage rates, taxable amounts passed to payroll, or foreign VAT reclaim. 8 9 14 3 16 4
The Finance Lead
The vendor's positioning is that cards remove out-of-pocket spending and reimbursements, though out-of-pocket expenses can be approved in seconds in the app, and VAT is captured with each receipt and synced to accounting as VAT data with attachments. I found no public information on paying claims back in a SEPA file, statutory per diems or mileage rates per country, meal deductions, or foreign VAT reclaim. 3 8 9 14
The Tax Adviser
The captured pages position the cards as removing reimbursement altogether, while out-of-pocket expenses can be approved in seconds in the app; receipts are captured including VAT, tax details travel with the exports, and daily allowances appear in the spend-control wording. We found no public information on SEPA reimbursement files, mileage allowances, statutory per diems per country under German travel expense law, the payroll handover of taxable amounts, or foreign VAT reclaim — the VAT page itself states it is a reference tool, not tax advice or a filing service. 8 9 14 16 15
The Skeptic
The vendor's answer to reimbursement is to remove it — company cards instead of out-of-pocket spending — though out-of-pocket expenses can still be approved in the app; we found no public information on approved claims being paid out through the product or via a SEPA payment file. We found no public information on travel allowances, statutory per diems or mileage rates, and the VAT material is a UK reference calculator that states it is not tax advice or a filing service, even though VAT figures sync with transactions into accounting. 3 8 9 14
Accounting handoff & DATEV
Show reasoningHide reasoning
How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
The DATEV handoff is concrete: XML files of selected transactions and a zip of expenses and receipts import into DATEV Unternehmen online through Belegtransfer, so the receipt image travels with the booking. Xero, QuickBooks, Oracle, NetSuite, Sage and SAP Concur are named among 100+ systems, expense codes and departments auto-map, general ledger codes can be restricted, month-end reconciliation is a single click, and there is a Business API, custom export templates, a sandbox and professional services. I found no public information on a GoBD-compliant archive or webhooks. 3 4 8 11 15 16 17
The Office Manager
The DATEV hand-off is specific and real: Soldo generates XML files of selected transactions plus a zip of expenses and receipts for import into DATEV Unternehmen online via Belegtransfer, with tax details and user notes per transaction — that is the export my tax adviser would accept. Around it sit Xero, QuickBooks, Oracle, NetSuite, Sage and SAP Concur, a business API with a sandbox, and single-click reconciliation; we found no public information on a GoBD-compliant archive or webhooks. 3 8 11 16
The Controller
Soldo generates XML files of selected transactions with receipts and imports them into DATEV Unternehmen online via Belegtransfer, including tax details and user notes, with automated cost-centre allocations and restricted general-ledger codes; Xero, QuickBooks, Oracle, NetSuite, Sage and SAP Concur are named among 100+ systems, reconciliation is a single click, and a documented API with a sandbox and custom export templates exists. We found no public information on two-way ERP synchronisation, a GoBD-compliant archive, or webhooks. 16 3 8 4 11 17 9 12
The Finance Lead
There is a real DATEV path: Soldo generates XML of selected transactions, downloads expenses and receipts as a zip, and imports them into DATEV Unternehmen online through Belegtransfer, with expense codes and departments auto-mapped, cost centre allocations automated, general ledger codes restrictable, and tax details and notes per transaction in the export; a single-click reconciliation claim covers the month-end, and Xero, QuickBooks, Oracle, NetSuite, Sage and 100+ systems plus an API with sandbox are listed. The DATEV route is a manual download-and-import rather than an automatic transfer, and I found no public information on a GoBD-compliant archive, webhooks, or two-way sync with the ERPs. 3 4 9 11 12 16 17
The Tax Adviser
There is a dedicated DATEV route: expenses and receipts downloaded as a zip file and imported into DATEV Unternehmen online through Belegtransfer, with Soldo generating the XML files, so the receipt image travels with the booking; expense codes and departments are auto-mapped, cost-centre allocations automated, and Xero, QuickBooks, Oracle, NetSuite, Sage and SAP Concur are named among 100+ integrations, backed by a Business API, sandbox and custom export templates. We found no public information on a GoBD-compliant archive, a Verfahrensdokumentation, or webhooks, which my clients would need before the month-end close runs through the product. 16 3 11 4 17 9
The Skeptic
The DATEV path is concrete and step-by-step: transactions generate XML files, receipts ride along in a zip, and everything imports into DATEV Unternehmen online through Belegtransfer; Xero, QuickBooks, Oracle, NetSuite, Sage and SAP Concur are named among 100+ systems, with a documented API, a sandbox and custom export templates, expense codes auto-mapped and tax details included per transaction. We found no public information on booking proposals that learn account, tax key and cost centre, on two-way ERP sync, webhooks, or a GoBD-compliant archive — the month-end claim rests on single-click reconciliation and two-click exports. 3 4 11 16
European sovereignty
panel opinion
Show reasoningHide reasoning
How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
The corporate chain is mapped and published: Soldo Software Ltd in London for software to EEA and UK customers, an FCA-authorised e-money institution for UK financial services, Soldo Financial Services Ireland DAC regulated by the Central Bank of Ireland for EEA customers, and an Italian company for Italian customers, with GDPR registrations stated and ISO 27001, ISO 9001, PCI DSS Level 1 and Cyber Essentials Plus certifications published. But I found no public information on hosting location for receipt and employee data, on ownership, or on any subprocessor such as text recognition, email delivery or analytics, so the middle of the chain stays unknown. 5 7 16 17
The Office Manager
The corporate chain is named: software from Soldo Software Ltd in the UK, EEA financial services and card issuing from Soldo Financial Services Ireland DAC regulated by the Central Bank of Ireland, an Italian entity for Italian customers, with ISO 27001 and PCI DSS Level 1 stated. But hosting location, ownership and the subprocessor list are unknown from the captured pages, and no data processing agreement is described, so I cannot say where receipt and employee data actually sit. 5 6 7 15 16
The Controller
Software services for UK and EEA customers are contracted with a UK company, cards for EEA customers are issued by an Irish entity regulated by the Central Bank of Ireland, a privacy policy with GDPR registration numbers is published, and ISO 27001, PCI DSS Level 1 and Cyber Essentials Plus are stated. We found no public information on hosting location, the subprocessor chain, or ownership, so I cannot see where receipt, card and employee data actually sit. 5 6 16 7 15 3
The Finance Lead
The corporate structure is documented — software from a UK company, EEA financial services and card issuing from an Irish entity regulated by the Central Bank of Ireland, the UK arm an FCA-authorised electronic money institution, cards under a Mastercard licence — with ISO 27001, PCI DSS Level 1 and Cyber Essentials Plus stated. I found no public information on where receipt, card and employee data are hosted, on ownership, or on the subprocessor list. 5 6 7 10 16
The Tax Adviser
The corporate chain is well documented: Soldo Software Ltd in the UK as software provider, Soldo Financial Services Ireland DAC regulated by the Central Bank of Ireland as the EEA issuer, and Soldo Italia S.r.l. for Italian customers, with GDPR compliance statements and ISO 27001, PCI DSS Level 1 and Cyber Essentials Plus certifications. We found no public information on where receipt, card and employee data are hosted, on the parent company, or on the list of subprocessors, and no data processing agreement on the captured pages. 6 5 7 16 17
The Skeptic
The contracting chain is unusually well documented — Soldo Software Ltd in London provides the software to EEA and UK customers, Soldo Financial Services Ireland DAC regulated by the Central Bank of Ireland issues the cards to EEA customers, and Italian customers contract with Soldo Italia — with ISO 27001, PCI DSS Level 1 and Cyber Essentials Plus stated. But the rest of the chain is dark: we found no public information on where receipt and employee data are hosted, who the subprocessors are (text recognition, email, analytics, support), or a published data processing agreement, and group ownership is unstated. 5 7 17
Pricing transparency
Show reasoningHide reasoning
How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee
The core numbers are public: Standard at "£27 per month +VAT" and Plus at "£39 per month +VAT", each starting with three users and three cards, no fixed contracts with cancel anytime, free fund top-ups, no fees for domestic transactions and a foreign exchange fee fixed at 1.5%. The Unlimited tier is price on request, additional users and cards beyond the starting three carry no published price, and card issuance, cash withdrawals "and others" are named as additional fees without figures — so a small team is computable but a growing one is not. 4 9 10 11
The Office Manager
Two tiers are public — Standard at £27 per month and Plus at £39 per month, both plus VAT, each starting with 3 users, 3 cards and a wallet — and the card economics are stated: no domestic transaction fees, foreign exchange fixed at 1.5%, free deposits, no fixed contracts. For a thirty-person agency the fit would be the Unlimited plan, which is 'Price on request', and the cost of users or cards beyond the three included, and of card issuance, is not shown, so I cannot work out my annual cost before a trial ends. 4 10 11
The Controller
Standard is published at £27 per month +VAT and Plus at £39 per month +VAT, each starting with three users and three cards; deposits are free, domestic transactions carry no fee, foreign exchange is fixed at 1.5%, and there are no fixed contracts. The Unlimited tier is price on request and card issuance, cash withdrawals and further fees are stated to apply without amounts, so a real annual cost for twelve hundred staff cannot be computed from the public pages alone. 4 10 11 9
The Finance Lead
Two tiers are priced publicly — Standard at £27 per month +VAT with 3 users, 3 cards, 1 wallet and up to 20 outbound bank transfers, Plus at £39 per month +VAT with 3 wallets and up to 30 transfers — the foreign exchange fee is fixed at just 1.5%, domestic card transactions are free, adding funds is free, and there are no fixed contracts. The Unlimited tier is price on request, card issuance and cash withdrawal fees are named but not priced, and I found no public information on the cost of extra users or cards beyond the plan, so a full annual figure is not computable from these pages. 4 9 10 11
The Tax Adviser
Two tiers carry public prices — £27 per month +VAT* for Standard and £39 per month +VAT* for Plus, each starting with three users and three cards — with no fixed contracts, free deposits, no domestic transaction fees and the foreign exchange fee fixed at just 1.5%. The Unlimited tier is price on request, the cost of users and cards beyond the starting allocation is not stated, and card-issuance and cash-withdrawal fees are named as additional fees without amounts, so a buyer cannot yet compute the full annual cost. 4 10 11 9
The Skeptic
Two tiers are priced at £27 and £39 per month plus VAT, each starting with three users, three cards and one or three wallets, the foreign exchange fee is published as a fixed 1.5%, domestic transactions and deposits are free, and there are no fixed contracts. The figures a buyer needs are missing: the Unlimited tier is price on request, card issuance and cash withdrawals sit in an open-ended list of additional fees "and others" with no amounts, and we found no public information on the per-user or per-card cost beyond the first three. 4 9 10
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined ⚠ unverified | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined ⚠ unverified | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about Soldo
Is Soldo European?
Yes, though not from the EU. whats-best.ai classifies Soldo as UK / wider Europe.
Where does Soldo store data?
Not stated on the vendor’s pages as of 28 Oct 2026.
Does Soldo have a free plan?
Yes. Soldo has a free plan, per the vendor’s page captured 28 Oct 2026.
What are the best alternatives to Soldo?
As of 3 Nov 2026, the panel rates Moss (4/5), N2F (3.5/5) and Spendesk (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Soldo alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 28 Oct 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Legal entity, Hosting location. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 19 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 8 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 5 data facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 5 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 1 hosting fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 1 pricing fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (17)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor homepage www.soldo.com Checked 28 Oct 2026 Details →
- 2 Features page (expense review) www.soldo.com Checked 28 Oct 2026 Details →
- 3 Integrations page www.soldo.com Checked 28 Oct 2026 Details →
- 4 Pricing page www.soldo.com Checked 28 Oct 2026 Details →
- 5 Privacy policy www.soldo.com Checked 28 Oct 2026 Details →
- 6 Terms of service www.soldo.com Checked 28 Oct 2026 Details →
- 7 Security / trust page www.soldo.com Checked 28 Oct 2026 Details →
- 8 Receipt capture & expense claims — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 9 Receipt capture & expense claims — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 10 Company cards & spend control — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 11 Company cards & spend control — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 12 Approval workflows & expense policy — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 13 Approval workflows & expense policy — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 14 Reimbursement, travel allowances & VAT — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 15 Reimbursement, travel allowances & VAT — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 16 Accounting handoff & DATEV — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →
- 17 Accounting handoff & DATEV — found from sitemap www.soldo.com Checked 28 Oct 2026 Details →