An expense management system that saves you time and money

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

We’ve helped thousands of businesses proactively manage their messy, decentralised spend.

What makes Soldo?

Win back valuable time

Trust employees to spend company money with prepaid cards that keep you in control

Get accurate transaction data

Separate budgets, custom limits and real-time visibility help prevent overspending

Simplify reconciliation

Save hours on admin and speed up month-end with automated tracking and reporting

The benefits of an automated online expenses system for your business

Efficient department and project management

Cut admin time, stop errors, and stay on top of spending with our automated expenses system. With real-time insights, automatic updates, and easy receipt uploads from our app, you’ll save hours and gain full control of your expenses.

Simplify finances and keep your team moving.

Save time and avoid mistakes

Save time and avoid mistakes

Manual tracking can lead to missed entries and errors, even with the best team. Our automated expense system ensures accuracy every time.

Sync your expenses with your accounting software automatically. Approved expenses update instantly, freeing your team from spreadsheets and allowing them to focus on what matters most

Take control of spending

Take control of spending

Worried about overspending? With our online expense management system you can set spending limits, monitor patterns, and ensure your team sticks to the rules – all while keeping your budget in check.

You can see every purchase as it happens, so you’ll have to-the-minute visibility into your company’s spending. And it only takes a few clicks to pull up reports so you can ensure you’re on track.

Makes life easy for your team

Makes life easy for your team

No more chasing receipts or juggling spreadsheets. Employees can snap photos of receipts and submit expenses on the go. A lifesaver for teams on the move, it’s a hassle-free solution that scales with your business as it grows.

Reporting at your fingertips

Reporting at your fingertips

All your expense data is stored in one place, making reporting fast and easy. Real-time updates give you the latest numbers at a glance, helping you make informed decisions and keep your cash secure.

Save time and avoid mistakes

Save time and avoid mistakes

Manual tracking can lead to missed entries and errors, even with the best team. Our automated expense system ensures accuracy every time.

Sync your expenses with your accounting software automatically. Approved expenses update instantly, freeing your team from spreadsheets and allowing them to focus on what matters most

Take control of spending

Take control of spending

Worried about overspending? With our online expense management system you can set spending limits, monitor patterns, and ensure your team sticks to the rules – all while keeping your budget in check.

You can see every purchase as it happens, so you’ll have to-the-minute visibility into your company’s spending. And it only takes a few clicks to pull up reports so you can ensure you’re on track.

Makes life easy for your team

Makes life easy for your team

No more chasing receipts or juggling spreadsheets. Employees can snap photos of receipts and submit expenses on the go. A lifesaver for teams on the move, it’s a hassle-free solution that scales with your business as it grows.

Reporting at your fingertips

Reporting at your fingertips

All your expense data is stored in one place, making reporting fast and easy. Real-time updates give you the latest numbers at a glance, helping you make informed decisions and keep your cash secure.

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.

Get a quote
£21 per month
excl. 20% VAT
The Soldo software platform is operated by Soldo Software Ltd. The e-money business account and payment services are provided by Soldo Financial Services Ltd and are subject to additional fees such as, card issuance, cash withdrawals and others. See all the financial services fees here, and the typical limits here.

*Subject to eligibility, based on the criteria found

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 1.5%.

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.

What our clients think about us

“Soldo is far superior to just using our old business bank account and has cleaned up our management finances significantly”

Mark Pettit, Connect Ventures
Head of Finance

Soldo has given us more freedom

Martyn Sexton, Secret Escapes
Finance Manager
Banner cards

Create a Soldo account and get started now

Get the benefits of a Soldo account now

Get started

Read more about
Business Expenses

Online expense management system FAQs

How does the Soldo expense management system work?

Soldo makes managing company spending easy. You can equip employees, teams, or contractors with Soldo Mastercard® cards and set clear rules for their use. With integration into your accounting system, expenses are quickly and easily reconciled.

How does Soldo prevent overspending?

With our software, you can set spending limits for employees, teams, or projects to control costs. Our automated expenses system tracks spending in real time and will send an alert if the limits are reached.

With automatic notifications and up-to-date reports, you can keep expenses in check and avoid unauthorised purchases.

Find out more about how we’ve helped other businesses prevent overspending.

How does the Soldo system simplify expense reporting?

By automatically categorising transactions and syncing them with your expense management system, we make reporting simple. Employees can upload receipts instantly via the Soldo mobile app, making it easier to match expenses to transactions. This means our platform can generate detailed reports in a few clicks – saving you the time and hassle of manual reconciliation.

What types of cards do you provide?

We offer both physical and virtual prepaid business cards.

  • Physical cards: Designed for in-person expenses like travel.
  • Virtual cards: Designed for secure online transactions, such as software subscriptions.

Both card types are backed by Mastercard®, so will work everywhere and integrate seamlessly with our expense management tools.

Is Soldo a business bank account?

No. Soldo provides spend management features that work alongside your business bank account, not instead of it. You can use your Soldo cards to separate staff spending from your main company funds and access a powerful expenses system that isn’t available with any banking provider.

How secure is Soldo? What guarantees do I have?

We’re authorised and regulated by the Financial Conduct Authority (FCA), which means we’re held to strict compliance processes. Your money is held independently of Soldo’s business accounts and assets, so we only access it to execute your transactions. The funds are safeguarded under UK Electronic Money Regulations 2011 and cannot be claimed by Soldo creditors.

As part of our commitment to security, we also have additional certifications such as the Payment Card Industry Data Security Standard (PCI DSS) and ISO/IEC 27001 so you can use us with confidence.

Does Soldo integrate with my accounting system?

Yes! Soldo integrates with popular systems like Xero, QuickBooks, and NetSuite, syncing transactions, receipts, and notes automatically. If you use other platforms like Sage or FreeAgent, you can export data in multiple formats (XLSX, CSV, QIF, OFX) for compatibility.

What size company is Soldo suitable for?

Our online expenses system works for businesses of all sizes, from startups to large corporations. Whether you need one card or hundreds, Soldo can help you gain visibility and control over spending while simplifying expenses and helping you gain the advantages of financial planning.

Can I issue cards for contractors or freelancers?

Absolutely! We know that contractors and freelancers are a key part of your business. Our expense management system allows you to issue them cards, providing access to company funds without the need for reimbursement processes.

You can assign prepaid cards with specific spending limits and restrictions, so you have full control over how the funds are used. It’s a simple, efficient way to manage project-based or temporary spending.

Can I set spending rules for each card?

You can customise your spending rules for each card, setting daily, weekly or monthly limits and restricting spending to specific categories or budgets. This gives you full financial control at every level of your business.

Can I use Soldo’s online expenses system abroad?

Yes! Soldo supports multiple currencies and works internationally wherever Mastercard® is accepted. Real-time tracking and instant receipt uploads via the Soldo app make managing travel expenses simple and stress-free.

What if I want to leave Soldo?

We hope you’ll love our service, but it’s easy if you do decide to leave. Contact our support team via live chat or email and we’ll transfer any remaining funds back to your original account.

Is there a trial period?

Yes! We offer a 30-day free trial for our Plus and Standard plans. Explore our automated expenses system with no monthly fees during the trial.

The trial period begins when your Soldo account is activated and you receive your login details. During the trial, you can explore the software’s features without incurring monthly fees. However, certain financial services, such as card issuance or cash withdrawals, may still incur charges during this period.

Are there any hidden fees or fixed contracts?

No, we’re upfront about costs. There are no hidden fees or fixed contracts with our expenses system, and you can cancel your plan at any time without penalties.

Does Soldo’s online expenses system work on mobile devices?

Yes! The Soldo app, available for iOS and Android, makes managing expenses easy on the go.

  • Check balances
  • Upload receipts
  • Track transactions
  • Monitor budgets in real time

Admins can also adjust spending controls and review expenses remotely, ideal for teams working on the move.

How quickly can I start using Soldo?

It’s fast and simple to get started. Just apply online and you’ll be ready to use Soldo once your account is verified.

Reviewed by Brandon Till