Virtual expense cards give staff instant, controlled access to money

Take control of your company spending with individual virtual expense cards, all connected to one shared account with intuitive integrated apps.

Virtual Expense Cards
 

Prevent overspending: keep budgets seperate, set custom limits and freeze cards instantly

 

Make expenses easy – no more paying out of pocket, chasing receipts or need for reimbursement

 

Save hours with real-time expense tracking, automated reporting and accounting software integrations

25,000+ businesses trust Europe’s leading virtual expense cards platform

Get complete oversight of company spend

Get complete oversight of company spend

With Soldo company cards, you control who spends company money, how much, on what, and which budget they use.
Set custom rules and limits for each card in a few clicks to prevent overspending , without micromanaging every transaction.

Free up time for higher impact work

Free up time for higher impact work

How much time do you spend working through expense reimbursements? Querying mistakes, or chasing missing receipts? Probably more than you’d like to.
Soldo company cards make spending less complex. No out-of-pocket spending means no more reimbursements – saving finance teams hours on expense processing.

Easy expenses, controlled company spend

Easy expenses, controlled company spend

When you switch to Soldo, you make expenses easy and fair for everyone involved.
Soldo company cards give the right people controlled access to company money, so no one has to spend time on expense claims or reimbursements. Our expense management platform and mobile app are user-friendly and intuitive. They reduce manual effort in a variety of ways, from automating finance processes for finance teams to allowing employees to capture receipts at point of purchase.

Soldo integrates with your accounting software

Soldo integrates with your accounting software

Copying data between multiple systems isn’t just annoying – it wastes time and increases the likelihood of manual input errors. Soldo connects with your accounting software so you can track, manage, and report on employee expenses and company spending. All in one place.
Reconcile in a single click, manage month-end faster. Rely on real-time, accurate spend and expense data.

Trust in the highest levels of card protection

Trust in the highest levels of card protection

Soldo is accredited as a Level 1 Service Provider by the PCI Council, which means we comply with the highest data security standards. We’re regulated by the Financial Conduct Authority (FCA) and the Central Bank of Ireland.
Soldo company cards are issued by Mastercard® and can be frozen or cancelled in seconds from out web or mobile app. Our support team is on hand to answer questions, resolve any issues, and set up your Soldo account for your specific need.

Create a free Soldo account to get started

The best ratings across the web

Get started

Apply online in minutes and start spending in as little as one working day.

No credit checks, no hidden fees, no fixed contracts. Cancel anytime.

Complete registration

We need to confirm your identity and address. Upload a few documents and you’ll be done.

Add funds

Load money to your account to order your Soldo card. Receive it in 2 working days.

Start spending

Shop online or instore safely with your contactless card.

What our clients think about us

“Since we started using Soldo, it’s been such a relief not to have to regularly email or phone the banks to ask for our credit card limits to be raised. I love Soldo’s flexibility – it’s so easy to maintain and everything is in real-time.”

Dennis Koehler, Get Your Guide
Head of Payments and Fraud

“Petty cash and reconciling credit cards took a total of 6 days a month. Now it takes me half a day. It’s saving us time! It’s got great flexibility and it makes my life a lot easier”

Sandra Curran, Making Space
Purchase Ledger Coordinator

All Soldo plans include

Everything you need to get started

Soldo Mastercard® cards

Get as many cards as you need for employees and departments. Our contactless cards are accepted by millions of merchants worldwide.

Web console and mobile app

See spending in real time on the web console. View balances, capture receipts and manage cards on the employee app.

Accounting integration

Export transaction data to every major accounting software, in two clicks. Connect expenses to Xero and QuickBooks.

Free & unlimited transactions

Soldo Mastercard® cards have no fees for domestic transactions and our foreign exchange fee is fixed at just 1%.

No charge for deposits

It’s free to add funds, and money is available to spend instantly. Allocate funds to cards when your team needs it.

Dedicated support

Need a hand? Our friendly customer success team is at your service, providing support whenever you need it.

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Create a free account and get started now

Get the benefits of a Soldo account now

Get started

Frequently asked questions

What if I want to leave Soldo?

We’re sure you’ll be happy with our service, joining thousands of satisfied businesses. But if you ever want to leave, you can close your Soldo account at any time and all the funds available on your account will be transferred back to the account from which they were initially deposited.

What size company is Soldo suitable for?

Soldo isn’t just for small business, it’s for all business. Soldo scales from one card to any number, matching the structure of your organisation with wallets for departments or individuals, which fund cards for teams, employees or contractors.

Though our software is intuitive and easy to use, powerful reporting is made possible by smart filters and granular transaction data. So, whether your business has two employees or 20,000, Soldo can help you gain visibility and control over spending, while simplifying expenses.

If your company has more than 100 employees, discover our tailored offer for enterprises on the dedicated website.

Does Soldo integrate with my accounting system?

Yes, Soldo integrates with all major accounting systems. Soldo has the world’s most complete API connection to Xero, sending transactions daily via an automatic bank feed. Our seamless integrations with Xero, QuickBooks Online and NetSuite also make it easy to share enriched transaction data including receipts, categories, notes and much more – in just one click.

If you’re using another accounting platform – like Sage, FreeAgent or many others – Soldo makes it easy to export transaction data in a variety of formats, in two clicks. Transaction data can be exported in XLSX, CSV, QIF and OFX formats, making your data compatible with all major accounting software solutions.

How secure is Soldo? What guarantees do I have?

Soldo Financial Services Ireland DAC is an electronic money institution, authorised and regulated by the Central Bank of Ireland: this means we have to follow strict compliance processes.  We don’t lend or take risks with customer money, we access it solely to execute the customer’s transactions. Client funds are always protected, as they are completely independent of Soldo’s business accounts and assets. The funds are safeguarded under Irish Electronic Money Regulations 2011 and cannot be claimed by Soldo creditors.

How does Soldo work?

With Soldo, you control all business spending and – thanks to the integration with your accounting system – you can reconcile expenses quickly and easily. You can equip some or all employees, entire teams, or even external collaborators with Mastercard® Soldo cards , deciding who has access to company money and the rules by which to spend it.

Find out more

Is Soldo a business bank account?

No. Soldo provides additional spend management features that work alongside your business bank account, instead of replacing it. You can use your Soldo cards to separate staff spending from your main company funds, as well as accessing powerful new features that aren’t available with any banking provider.

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