An online expense system that gives you real-time visibility and control

Soldo’s online expense system connects smart company cards to intuitive management tools. Control, track, and report spending – all in one place.

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online expense system
 

Stop overspending in its tracks: ring-fence budgets, set custom limits and instantly turn expense categories on and off

 

Make expenses effortless for everyone – no more chasing receipts, agonising expense reports or stressful reimbursements

 

Save hours on bookkeeping with real-time expense tracking, automated reporting and smart integrations with your accounting software

Our customers

30,000+ businesses trust Europe’s leading online expense system

Business wide

Control every cost from Soldo’s mobile app

Assign cards to individual employees then set budgets, rules, and categories. Change these limits remotely at any time and achieve maximum flexibility.

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Track spending

See company-wide spending in real time

With an online expense system you can see every transaction as soon as it happens. Don’t wait around for paper receipts, start analysing your data instantly.

GB-Transactions Report-1-3x

Online expense systems save you time

Instead of spending hours sorting through phsyical receipts, just snap a photo of your receipt at the point of purchase and let Soldo sort the rest.

Make light work of bookkeeping

Soldo integrates with leading accounting software including Xero, QuickBooks Online, and Netsuite, making month-end much easier for your finance team. Flow through admin, eliminate mistakes, and get a clear view of spending. And if you’re using another system or ERP platform, simply export CSVs in seconds.

Xero

Soldo syncs with Xero daily, automatically, so reconciling receipts captured on the Soldo app only takes a couple of clicks.

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Sage

Pay with Soldo, then sync transactions with Sage. Coming soon to Business Cloud Accounting: sync receipts, notes, and more.

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QuickBooks Online

Publish your Soldo expense data to QuickBooks Online in minutes and sync transaction data automatically with the bank feed integration.

Connect to QuickBooks

Level up your business with Soldo

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

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Create a free Soldo account to get started

The best ratings across the web

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What our clients think about us

“In the past, expense reimbursement took one and a half days, and now it takes slightly more than half a business day.”

Marco Valerio Izzo, Buzzoole
Finance Manager

“Soldo has enabled us to close our old corporate credit card scheme, remove petty cash from our business and reduce the number of expense claims we process. This has reduced the administrative burden, replacing separate…”

Lee Jaques, Bruntwood
Finance Project Manager

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.

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Let’s find the right Soldo plan for your online expense system

Choose a plan that fits the way your company spends

Apply in minutes, get going in as little as one working day, and cancel anytime

  Regulated by the Financial Conduct Authority
  Works with any business bank account
  Rated “Excellent” on Trustpilot
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FAQs

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.

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Is Soldo a business bank account?

No. Soldo provides extra 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 access powerful features that aren’t available with any banking provider.

How secure is Soldo? What guarantees do I have?

Soldo Financial Services Ltd is an electronic money institution, authorised and regulated by the Financial Conduct Authority (FCA): 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 UK Electronic Money Regulations 2011 and cannot be claimed by Soldo creditors.

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.

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 and helping you gain the advantages of financial planning in your business.

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.

Soldo® 2024 All rights reserved
The website in all languages and for all markets is provided by Soldo Software Ltd., a company incorporated in the UK with company number 09233754 and VAT: GB204213566, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom. All communications related to the website shall be sent to the registered office.

The software services provided to customers resident in or with registered office in an EEA country or in the UK are provided by Soldo Software Ltd a company incorporated in the UK with company number 09233754 and VAT: GB204213566, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom. Soldo Software Ltd (data protection number: ZA 092035) complies with all applicable data protection and privacy legislation in force from time to time in the UK and the EU including the General Data Protection Regulation ((EU) 2016/679) and the Data Protection Act 2018. All the communications related to the software and related services shall be sent to the registered office. Soldo Software Ltd., 119 Marylebone Road, London, NW15PU, United Kingdom.

The software services provided to customers resident in or with registered office in Italy are provided by Soldo Italia S.r.l. , a company incorporated in Italy with company number 11864540965 at the Registry of companies of Milano, Monza, Brianza, Lodi, VAT: IT11864540965, and registered office at Via degli Olivetani 10/12, 20123 Milano (Italy). Soldo Italia Srl complies with all applicable data protection and privacy legislation in force from time to time in Italy including the General Data Protection Regulation ((EU) 2016/679). All communications related to the software and related services shall be sent to the registered office Soldo Italia Srl, Via degli Olivetani 10/12, 20123 Milano (Italy).

The financial services provided to customers resident in or with registered office in an EEA country are provided by Soldo Financial Services Ireland DAC, a company incorporated in Ireland with company number 610705, and registered office at 33 Sir John Rogerson’s Quay, Dublin 2, Ireland.  Soldo Financial Services Ireland DAC is regulated by the Central Bank of Ireland. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by Soldo Financial Services Ireland DAC pursuant to a licence issued by Mastercard International Inc. Soldo Financial Services Ireland DAC complies with all applicable data protection and privacy legislation in force from time to time in Ireland, including the EU General Data Protection Regulation (EU 2016/679) and the Data Protection Acts 1988 - 2018. All communications related to financial services provided by Soldo Financial Services Ireland DAC shall be sent to Soldo Financial Services Ireland DAC, 33 Sir John Rogerson’s Quay, Dublin 2, Ireland.

The financial services provided to customers resident in or with registered office in the UK are provided by Soldo Financial Services Ltd., a company incorporated in the UK with company number 09495650, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom, authorised as an Electronic Money Institution by the Financial Conduct Authority (firm registration number 900459). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by Soldo Financial Services Ltd pursuant to a licence issued by Mastercard International Inc. Soldo Financial Services Ltd. (data protection number: ZA147304) complies with all applicable data protection and privacy legislation in force from time to time in the UK and the EU including the General Data Protection Regulation ((EU) 2016/679) and the Data Protection Act 2018. All communications related to financial services provided by Soldo Financial Services Ltd shall be sent to Soldo Financial Services Ltd., 119 Marylebone Road, London, NW15PU, United Kingdom.