Software Comparison
Dext vs Soldo - Irish expense-management Software Compared
Choosing between Dext and Soldo is one of the most common decisions Irish businesses face when evaluating expense-management software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.
Last verified: 08 Jun 2026 data verified to the older of the two vendor profiles Methodology
Quick Verdict
Dext wins for Irish SMEs that already run Xero, Sage, or QuickBooks and need to eliminate manual receipt entry and enforce Irish multi-rate VAT coding, particularly where the business works closely with an Irish accountancy practice that already supports the platform.
Dext vs Soldo - Feature Comparison
| Feature | Dext | Soldo |
|---|---|---|
| Product Type | Document capture and accounts-payable automation layer. No card issuance, no payment initiation, no wallets. | Prepaid Mastercard cards, departmental wallets, spend controls, and receipt capture combined in one platform. |
| Irish Regulatory Status | No Irish regulatory authorisation. UK-headquartered, now part of IRIS Software Group. No Central Bank of Ireland registration. | Soldo Financial Services Ireland DAC is directly authorised by the Central Bank of Ireland as an e-money institution, reference C179925. Not passporting in from another EU state. |
| IBAN and SEPA | Not applicable. Dext does not issue IBANs or initiate payments. Document ingestion only. | Issues IE-prefix IBANs via the Irish DAC (BIC SFSDIE22). SEPA Credit Transfer and SEPA Direct Debit supported for euro top-ups and outbound transfers. |
| Accounting Integration | Deep certified integrations with Xero, Sage 50, Sage Accounting, Sage Business Cloud, and QuickBooks. Approximately 30 platforms in total. This is the core product function. | Integrates with Xero (daily automatic bank feed), QuickBooks Online, Sage Intacct, NetSuite, Microsoft Dynamics 365, Exact Online, DATEV, SAP Concur, and TravelPerk. |
| Irish VAT Handling | Automatic VAT-rate detection on captured receipts and invoices across all Irish rates: 23 percent, 13.5 percent, 9 percent, and 0 percent. Mapped to the corresponding VAT code in the connected accounting platform. | OCR receipt capture auto-detects Irish multi-rate VAT (23 percent, 13.5 percent, 9 percent) on the Plus tier and above. Standard tier provides standard-rate detection only. |
| GDPR Data Residency | EU and UK. The EU component satisfies GDPR residency expectations. The UK component relies on the EU-UK adequacy decision. | EU data residency. Satisfies Schrems II requirements without reliance on the EU-UK adequacy decision. |
| Revenue Retention and Irish Support | Receipt images stored in Dext meet Revenue's 6-year retention requirement per eBrief 09/15. No dedicated Irish support desk; support is UK-timezone. | Receipt storage satisfies Revenue's 6-year retention requirement under Section 886 of the Taxes Consolidation Act 1997 and eBrief 09/15. No dedicated Dublin support desk; support operates from London and Milan. |
Irish Compliance and Pricing Matrix
A side-by-side data comparison of pricing and Irish regulatory compliance for Dext and Soldo. Values are derived from each vendor's published data and verified weekly.
| Requirement | Dext | Soldo |
|---|---|---|
| Pricing | ||
| Starting price | From €31.5/user/month | From €21/month |
| Pricing model | Per user / month | Monthly flat rate |
| EUR pricing guaranteed | ✗ | ✗ |
| Free trial | ✓ | ✗ |
| Irish Compliance | ||
| Revenue (ROS) integration | ✗ | ✗ |
| PAYE Modernisation | ✗ | ✗ |
| Irish bank feeds | ✗ | ✗ |
| Bank compatibility | None listed | None listed |
| SEPA direct debit | ✗ | ✓ |
| Irish IBAN support | ✗ | ✓ |
| VAT handling | ✓ | ✓ |
| EU data residency (GDPR) | EU only | EU only |
| Irish support | ✗ | ✗ |
| Revenue-approved | ✗ | ✗ |
| CBI regulated | ✗ | ✓ |
Irish Compliance Comparison
For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how Dext and Soldo compare on the requirements that matter most to Irish SMEs.
Revenue Integration
Neither Dext nor Soldo offers native Revenue Online Service integration. Irish businesses in expense-management may not need this feature directly, but should ensure their accounting software handles Revenue compliance separately.
Irish Bank Feeds
Neither Dext nor Soldo offers direct Irish bank feed integrations, which is expected for expense-management software. Your accounting platform should handle bank feeds separately.
GDPR Data Residency
Both Dext and Soldo store data in EU data centres, providing strong GDPR compliance out of the box. Irish businesses can use either platform without worrying about cross-border data transfers to the US or other non-EU jurisdictions.
SEPA and IBAN Support
Soldo supports SEPA Direct Debit and Irish IBAN format, making euro payments and bank transfers seamless. Dext does not support SEPA natively, which could mean extra manual steps when processing euro payments or setting up direct debits for Irish customers.
VAT Handling
Both Dext and Soldo handle Irish VAT, including standard VAT return preparation and submission. Irish businesses can manage their VAT obligations from either platform without needing a separate tool.
Pricing Comparison
All prices below are in euro. Pricing can change - we verify vendor pricing weekly, but always confirm on the vendor's website before purchasing.
Dext
€31.5 /mo per user
- Pricing model: Per user
- Free trial: Yes
- EUR pricing guaranteed: No - may fluctuate with exchange rates
Soldo
€21 /mo
- Pricing model: Flat rate
- Free trial: No
- EUR pricing guaranteed: No - may fluctuate with exchange rates
At entry level, Soldo is the more affordable option. However, total cost of ownership depends on the number of users, add-ons, and features your business requires. Always calculate the full annual cost for your team size before committing.
Who Should Choose Dext
Dext is the better fit if your business matches one or more of these profiles:
- ✓ Those who value: wide adoption by irish accountancy practices - your accountant likely already supports dext or autoentry
- ✓ Those who value: deep, certified integrations with xero, sage (50, accounting, business cloud) and quickbooks - the three platforms most irish smes run on
- ✓ Those who value: automatic vat-rate detection on irish 23%, 13.5%, 9% and 0% rates with line-item ocr
Who Should Choose Soldo
Soldo is the better fit if your business matches one or more of these profiles:
- ✓ Budget-conscious businesses - Soldo from €21/month
- ✓ Those who value: soldo financial services ireland dac is directly authorised by the central bank of ireland (e-money institution c179925), not passporting in from another eu state.
- ✓ Those who value: issues ie-prefix ibans via the irish dac, which removes friction for revenue, payroll, and sepa direct debit creditor setups versus pleo (dk), spendesk (fr) and payhawk (bg).
Our Verdict
Dext wins for Irish SMEs that already run Xero, Sage, or QuickBooks and need to eliminate manual receipt entry and enforce Irish multi-rate VAT coding, particularly where the business works closely with an Irish accountancy practice that already supports the platform. Soldo wins for Irish SMEs in the 20 to 50 staff range that need prepaid cards, departmental wallets, and spend controls at the point of transaction, backed by a Central Bank of Ireland authorised e-money institution (reference C179925) issuing IE-prefix IBANs, which removes SEPA reconciliation friction against AIB or Bank of Ireland statements. The sharpest Irish-specific differentiator belongs to Soldo: its Irish-regulated DAC and IE IBAN issuance are features Dext simply does not have, because Dext is a document capture and accounting integration layer, not a card or payment product.
Neither vendor has native Revenue Online Service integration or PAYE Modernisation handling, and neither provides a dedicated Irish support desk. For most Irish SMEs, the two products are complementary rather than competing: Dext sits between the card layer and the accounting ledger, while Soldo provides the card layer itself and can feed data into the same accounting stack.
Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.
Not sure which is right for you?
Our AI-powered recommendation engine analyses your business size, sector, and priorities to suggest the best software stack for your Irish business - in under 60 seconds.
Try Our Free Recommendation Tool →Frequently Asked Questions
Is Dext or Soldo better for Irish SMEs?
Which is cheaper, Dext or Soldo?
Does Dext or Soldo have better Irish bank feeds?
Which has better GDPR compliance, Dext or Soldo?
Can I switch from Dext to Soldo?
Not sure which one fits?
Share your email and we'll send tailored guidance based on this comparison.
You're on the list.
Irish software updates, weekly. No spam.