Pleo
Smart company cards and automated expense management for European businesses
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Irish Compliance Assessment
2/6Direct connection to Revenue Online Service (ROS) for tax submissions
Real-time payroll reporting to Revenue as required since 2019
Open banking integration via Tink for EU banks including AIB and Bank of Ireland for spend categorisation and reconciliation.
SEPA XML: None listed
Irish VAT rates auto-detected on receipts
Customer support available during Irish business hours
Overview
Pleo is a Copenhagen-based spend management platform that combines physical and virtual company cards with automated receipt capture, expense categorisation, and reimbursement workflows. The Starter plan is free for up to 3 users; the Essential plan starts at around €45/month flat. Pleo issues EU IBANs (via its e-money licence) enabling SEPA settlement, and uses open banking (Tink) to connect to EU banks including AIB and Bank of Ireland for spend reconciliation. VAT rates on receipts are auto-detected, which is useful for Irish businesses managing mixed 23%/13.5%/9% VAT inputs. Pleo has a Dublin presence as part of its EMEA operations and lists Ireland as a supported market. Receipt images stored in Pleo satisfy Revenue's 6-year retention requirement per eBrief 09/15, which permits digital originals in place of paper.
Vendors.ie Verdict
Pleo is the strongest out-of-the-box choice for Irish SMEs entering the company card and expense management space. Its EU IBAN, SEPA settlement, and open banking links to AIB and Bank of Ireland mean Irish finance teams can close the loop from card spend to bank reconciliation without manual CSV exports. The automatic VAT detection handles Ireland's split-rate VAT structure, and receipt images stored in Pleo meet Revenue's 6-year digital retention requirement (eBrief 09/15). The free Starter tier makes it low-risk to pilot with a small team before committing to the Essential plan.
Pros & Cons
Pros
- Free Starter tier for up to 3 users
- EU IBAN issued - SEPA settlement supported
- Open banking reconciliation with AIB and Bank of Ireland via Tink (not a native bank feed)
- Auto-detects Irish VAT rates on receipt capture
- Dublin EMEA presence with Irish market support
Cons
- Flat pricing can be costly for large teams versus per-user alternatives
- irish_bank_feeds confirmed via open banking only - not a native bank feed
- No Revenue/ROS or payroll integration
- Mobile-first workflow may frustrate finance teams on desktop
- Pricing in EUR but currency guarantee not confirmed
Best For
Company Size
Sectors
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Head-to-Head Comparisons
Quick Facts
- Starting price
- Free tier available
- Free trial
- Yes
- GDPR residency
- EU
- Revenue integration
- No
- PAYE Modernisation
- No
- Irish support
- Yes
Alternatives
Verification Notes
Seeded 2026-Q2 from public pricing pages; pending verification via monthly cron.
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