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Can I apply for a Soldo account using my personal email address?

No, you can’t apply for a Soldo account using your personal email address. That’s because the account will belong to the company you work for, rather than to you as an individual. We can’t accept any email addresses from free service providers such as Gmail or Yahoo.

Don’t worry if you’ve already tried to apply using your personal email address. You can simply try again using your work email address.

Who is behind Soldo?

Soldo Financial Services Ireland Designated Activity Company is an electronic money institution authorised by the Central Bank of Ireland pursuant to Regulation 9 of the European Communities (Electronic Money) Regulations 2011 (as amended) (Ref – C179925).

Soldo was founded in 2015 with the objective of creating the world’s first multi-user spend control solution, and to help businesses of all sizes manage company spending in a smarter, more efficient way. With our headquarters in London, the Soldo team also works across offices in Dublin, Milan and Rome. Read more about us here.

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 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

Plans and fees

What’s included with all Soldo plans?
  • Soldo Mastercard® cards: as many as you need for your team
  • Soldo app: to keep track of each payment
  • Soldo web console: to manage company expenses and reports with ease
  • Basic reporting
  • Free and instant transfers to employee cards

What’s the right plan for my business?

From sole traders to large corporates (and everything in between), we have a plan that’s perfect for you. 

Uno is perfect for sole traders and businesses in the early stages of improving their expense management processes. If you want to see how smarter spending can help your business, Uno is a great place to start. 

Pro features a complete expense and automatic bank feed integration with Xero and QuickBooks Online. This plan also includes the ability to manage up to 20 plastic and virtual cards, which is why we think it offers excellent value for small and growing teams. 

Premium is the most complete plan, with all the features of Soldo Pro but also advanced reporting and permissions/roles. Soldo Premium also makes it easy to manage company-level expenses such as online advertising costs and software subscriptions (and many more) using non-nominative cards. 

Are there limits or other fees?

You can discover all Soldo fees here and standard limits here.

Security and privacy

Where is my money held?

We don’t lend or take risks with our customers’ 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 bank accounts and assets. Client money is kept in a protected, ring-fenced account in leading banks in each market. The funds are safeguarded under UK Electronic Money Regulations 2017 and cannot be claimed by Soldo creditors. Funds held by Soldo are not covered by the Financial Services Compensation Scheme.​

Is my data safe with Soldo?

We pay the utmost attention to the protection of privacy: your personal data will never be shared with any external company, except for legal obligations and contract execution.

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.

Using Soldo

How do I top up my Soldo account?

You can choose between a bank transfer, which can take up to 24-48 hours for GBP and EUR transfers (up to 5 working days for USD transfers) to appear in Soldo, or Faster Payments (BACS) where money is typically transferred immediately. Once a deposit is accredited, you can transfer funds to your employees’ wallets instantly and completely free of charge.

What is a wallet?

On your web console, you’ll find your company wallet – a sub-account where you deposit your company funds. You can then transfer funds (instantly and for free) to your employees’ wallets, which is where you can track all the expenses made with a Soldo card by the user associated with that wallet.

Is it possible to create group cards?

Soldo Premium offers the ability to create non-nominal ‘Expense Centre’ cards. How you use these cards is up to you, for instance you can create cards for departments, teams, one-off events, ongoing subscriptions and more.

What support does Soldo offer?

You can contact us for support by emailing [email protected]. You can also find detailed help on individual topics and information on all things Soldo at

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