Soldo
Prepaid company cards with spending controls and automated expense capture for SMEs
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Irish Compliance Assessment
1/6Direct connection to Revenue Online Service (ROS) for tax submissions
Real-time payroll reporting to Revenue as required since 2019
SEPA top-up from Irish bank accounts supported. EU IBAN issued. No native AIB/BOI/PTSB bank feed integration.
SEPA XML: None listed
Irish VAT rates auto-detected on receipts
Customer support available during Irish business hours
Overview
Soldo is a London and Milan-based spend management platform offering prepaid Mastercard company cards with configurable spending rules, automated receipt capture, and accounting integrations. The Pro plan starts at around €10 per month flat. Soldo issues EU IBANs and supports SEPA top-ups and settlement, making it compatible with Irish bank accounts. VAT amounts are captured and categorised on receipts, supporting Irish multi-rate VAT workflows. Soldo connects to Xero, QuickBooks, and NetSuite - all widely used in Ireland. Account management and support are London-led with no dedicated Irish or Dublin desk. Receipt images stored in Soldo satisfy Revenue's 6-year digital retention requirement per eBrief 09/15. A good fit for Irish SMEs that need straightforward prepaid card controls without the complexity of a full T&E platform.
Vendors.ie Verdict
Soldo is a practical prepaid card solution for Irish SMEs that want spending controls without building a full expense policy from scratch. The EU IBAN and SEPA support mean Irish businesses can top up Soldo accounts directly from their AIB or BOI current account. VAT is captured and categorised on receipts, satisfying the paper-trail requirements that Revenue inspectors look for during compliance checks - and digital images meet the 6-year retention standard under eBrief 09/15. The main gap is the lack of a Dublin support desk; Irish teams should weigh that against the lower entry price compared to Pleo's Essential tier.
Pros & Cons
Pros
- Low flat entry price (~€10/mo) suitable for small Irish teams
- EU IBAN issued - SEPA top-up from Irish bank accounts works natively
- Granular spending controls per card or per team
- Integrates with Xero, QuickBooks, and NetSuite
- VAT capture handles Irish multi-rate scenarios
Cons
- No dedicated Irish support desk - London-led account management
- No native AIB/BOI/PTSB bank feed; reconciliation is SEPA top-up only
- No travel booking module - expense-only, not T&E
- Flat pricing means per-user cost rises steeply at small team sizes
- No Revenue/ROS integration
Best For
Company Size
Sectors
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Quick Facts
- Starting price
- From €10/mo
- Free trial
- Yes
- GDPR residency
- EU
- Revenue integration
- No
- PAYE Modernisation
- No
- Irish support
- No
Alternatives
Verification Notes
Seeded 2026-Q2 from public pricing pages; pending verification via monthly cron.
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