Employee benefits are easy with Soldo

Include Soldo cards in your employee benefits programme. Our smart cards automate company spending and are ideal as employee perks. Whether paying for business expenses or rewards, use Soldo to manage spending and automate admin.

More than just a reward card

Imagine a rewards card that doubled as a company card – one that automated expense reports and gave your team more freedom over their perks. 

Soldo is a prepaid company card that makes it easy to provide incentives, all while giving administrators a clear view and complete control over all other business spending.

Perks for the perfect workplace

Cover business costs

It’s not fair to ask employees to bear the cost of business spending. Give staff prepaid company cards and never ask them to dip into their own pockets again.

Simplify expenses

No-one likes losing time to expense reports. So Soldo automates the process to cut admin and keep your team on task. They’ll love how easy and quick the process is.

Reward performance

Make benefits real with a unique addition to your employer brand. Give your team the recognition they deserve and the freedom to buy training, products and experiences.

Everything you need to motivate your team

Features for easy expense management and staff perks

Soldo Mastercard® cards

Our smart cards are accepted at over 30 million merchant locations worldwide. Order as many as you need for your team.

Web console and mobile app

Admins view and control spending in real-time on the web console. Employees capture receipts and view balances on the mobile app.

Budgets and rules

Manage who can spend what and where. For rewards, select your preferred providers then set daily, weekly and monthly budgets.

Accounting integration

Soldo integrates seamlessly with Xero and exports expense data to every major accounting software in a couple of clicks.

No transaction fees
Soldo Mastercard® cards have no fees for domestic transactions. And our FX fee is fixed at 1%, cutting the cost of business travel.

No charge for deposits

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

Loved by thousands of businesses

“Soldo has really helped us across our business, from helping organise our expenses to stopping employees being out of pocket.”


“Prompt responses and always find a solution! Great friendly support from their team and excellent service consistently.”


Choose a plan to fit your business

There’s no minimum number of cards and no minimum deposit. Apply online in five minutes with no credit check.


  • Soldo is designed to empower and control all employee spending, from business travel to ecommerce purchases. It can also be used to reward employees for performance and recognition, with many of our customers using Soldo prepaid cards as part of their employee rewards programmes.

  • Soldo is a spend and expense management platform. It’s not a business bank account and we’re not trying to replace yours. We’re here to complement the traditional business account offering with more advanced and innovative financial services. To do this, we’re authorised and regulated as an e-money institution, allowing us to hold our customers’ money and execute payment services. We are regulated and monitored by the Financial Conduct Authority (FCA) and follow strict compliance processes.

  • 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 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.​

  • Yes. The funds in the Soldo account are always available to the account holder and can be moved back to the business account at any time.

  • No. Your Soldo account is not intended to replace your business account. While you can deposit funds to your Soldo account from your business account, Soldo can’t be used for outgoing bank transfers and funds can only be withdrawn to the business account used to top up Soldo.


  • For each additional Soldo Mastercard you order, you’ll pay a one-off creation fee of £5 which will be debited from your Soldo account. If you only need to make online purchases, you can create a virtual card in the platform for a one-off £1 charge (per card). 

  • Absolutely. We also offer euro and US dollar-based cards. Just get in touch if you’d like to find out more about how they work. 

  • None at all. Payments on our Soldo Mastercard cards have no transaction fees, so the amount of money you allocate is the same amount the cardholder can spend.

  • It’s completely free. Plus, if your bank supports Faster Payments, deposits appear instantly. By funding your Soldo account, you’ll be able to top up individual cards as and when you need to. 

  • As long as your bank account is UK based, you won’t have to pay anything to transfer unused funds back from your Soldo account. If you have an overseas bank account, you’ll need to pay a small fee of £6 for SEPA transfers and £16 for international transfers. 

  • Yes, but only as an extra measure to safeguard your funds. We tailor these limits to your own unique profile, to make sure they never prevent your team from buying what they need. You can see our baseline limits for each card below:

    Maximum value for one purchase

    • Per transaction: £10,000
    • Per day: £20,000
    • Per calendar month: £75,000

    Maximum no. of purchases

    • Per transaction: N/A
    • Per day: 100
    • Per calendar month: 3,000

    Maximum cash machine withdrawal

    • Per transaction: £200
    • Per day: £1,500
    • Per calendar month: £5,000

    Maximum no. of cash machine withdrawals

    • Per transaction: N/A
    • Per day: 8
    • Per calendar month: 25
  • Yes, though these vary depending on the currency of your card and the currency you’re trying to withdraw. We’ve broken this down below:  

    Sterling-based card: £1 fee for a withdrawal in sterling; £2 fee for a withdrawal in other currencies.  

    Euro-based card: €1 fee for a withdrawal in Euro; €2 fee for a withdrawal in other currencies.  

    Dollar-based card: $2 fee for a withdrawal in Dollar; $2 fee for a withdrawal in other currencies. 

  • Our FX fee for purchases in different currencies/countries is 1% for Pro and Premium plans. Most of our competitors charge 3%.