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Soldo vs Spendesk - Comparison 2025

Soldo vs. Spendesk

Last updated on

Reviewed by Paddy Stobbs

Stackfix Co-Founder & CEO

PS

In comparing these European spend management platforms, Spendesk emerges as the more sophisticated option for mid-sized companies (50-500 employees) requiring robust corporate card functionality and dedicated support. Its B2B-focused features and real-time expense screening make it ideal for businesses with complex spending needs.

Soldo, on the other hand, stands out for its rapid deployment and simpler setup process, making it more suitable for smaller businesses or those prioritizing quick implementation over advanced features. Both platforms offer solid core functionality, but they clearly target different segments of the market.

Soldo Product Logo

Advantages of Soldo

Soldo is notably easier to set up than Spendesk
While Spendesk requires additional effort for complex system integrations, Soldo offers a more streamlined setup process with clear instructions and guided configuration. This is particularly valuable for small to medium businesses looking to quickly implement spend management without extensive IT involvement.
Spendesk Product Logo

Advantages of Spendesk

Spendesk offers superior customer support compared to Soldo
With a dedicated account manager system and consistently praised responsiveness, Spendesk's customer support significantly outperforms Soldo's more basic support structure. This is particularly valuable for organizations requiring ongoing assistance and strategic guidance.
Spendesk provides more sophisticated corporate card functionality than Soldo
Spendesk's corporate card system, built on their Marqeta partnership, offers more advanced features than Soldo, including real-time expense screening and approval. This makes it particularly valuable for businesses requiring sophisticated spending controls and B2B-focused card management.

Soldo is best for

  • Businesses with European operations needing granular card-based spend control and real-time visibility
  • Who need to enforce spending policies through prepaid cards rather than traditional credit cards
  • And/or who need micro-level budget control through individual card and wallet limits

Spendesk is best for

  • Businesses with multi-entity operations in Europe requiring comprehensive spend management
  • Who need real-time policy enforcement and proactive spend control
  • And/or who need basic budget enforcement rather than sophisticated financial planning

Soldo is less good for

  • Businesses with complex spend management needs beyond card-based expense control
  • Who need advanced expense categorization and automation capabilities
  • And/or who need reliable mobile app performance and advanced workflow automation

Spendesk is less good for

  • Businesses with complex enterprise-level ERP integration requirements
  • Who need advanced financial planning and sophisticated budget modeling capabilities
  • And/or who need advanced automation and custom chart of accounts capabilities

Gallery

Soldo logoSoldo
Soldo screenshot
Spendesk logoSpendesk
Spendesk screenshot

Pricing, features & ratings

Soldo logo

Soldo

Starting at

$28.19

Converted from GBP

user / month

Billed monthly

Pricing calculatorVisit Website
Spendesk logo

Spendesk

Custom

Contact us for a quote

Billed monthly

Pricing calculatorVisit Website
Stackfix Verdict
Functionality
7

Functionality

7/10

<p>Soldo offers a focused spend management platform that combines prepaid cards with expense tracking and budget controls in one unified system. The platform excels in providing real-time visibility into company spending with features like multi-level approvals, spend requests, and transaction splitting capabilities that allow different amounts to be attributed to different people. While comprehensive for core expense management, Soldo's strength lies primarily in card-based spending rather than the full procurement and accounts payable capabilities found in more comprehensive platforms.</p>
7

Functionality

7/10

<p>Spendesk provides a balanced mix of corporate cards, reimbursements, invoice processing, and expense tracking, all designed to streamline spend management. The platform excels with flexible approval workflows and centralized spend requests, making it ideal for mid-sized companies. However, while it covers core spend functions exceptionally well, it could benefit from more advanced ERP integrations and enhanced reporting features.</p>
Ease of Use
7

Ease of Use

7/10

<p>Employees make purchases with their Soldo card and get instant notifications prompting them to snap a receipt and categorize the expense – a simple process via the mobile app. Managers can monitor spend in real time and don’t have to chase receipts as often. As a result, Soldo is a relatively simple product to use on the whole.</p>
7

Ease of Use

7/10

<p>Spendesk is intuitive—employees can easily snap photos of receipts and submit expenses, while finance teams benefit from clear dashboards and streamlined approval processes. The mobile app enhances everyday use, ensuring on-the-go expense management is hassle-free. Overall, the platform’s user-friendly design means minimal training is required, and users quickly feel empowered to manage spend efficiently.</p>
Look and feel
5

Look and feel

5/10

<p>Soldo delivers a clean, straightforward interface with well-organized dashboards that present financial information clearly and accessibly. That being said, it's a lot less modern and polished than many counterparts.</p>
7

Look and feel

7/10

<p>Spendesk delivers a modern, clean interface that puts usability front and center—its mobile app is especially intuitive. The layout is both visually appealing and functional. Although the overall design is robust, there’s a slight opportunity to further simplify certain workflows for clearer navigation.</p>
Customisability
5

Customisability

5/10

<p>Soldo offers the essentials of customization, primarily around how and where money can be spent. You can set custom spending limits per card (daily, monthly, or per transaction) and tailor these for different roles or projects. It also lets you create expense categories and match them to your accounting needs, simplifying the bookkeeping. However, beyond spending controls and basic category setups, there isn’t a lot of deep workflow customization.</p>
6

Customisability

6/10

<p>Administrators can tailor Spendesk to their company’s needs by setting custom spend limits, designing approval workflows, and configuring expense categories. These options ensure that the platform aligns with internal policies and reporting requirements. However, while the default settings are well-suited for many, organizations with more complex needs might find the current level of customization somewhat limiting—additional enhancements in reporting and ERP connectivity would be a welcome upgrade.</p>
Ease of Setup
7

Ease of Setup

7/10

<p>Getting started with Soldo is relatively quick, thanks to a focus on simplicity. After signing up, companies can swiftly issue virtual cards (available for immediate use) and order physical cards for employees. The onboarding process involves setting up your teams or spending categories and integrating with your accounting software, which is aided by clear instructions and a guided setup in the app.</p>
6

Ease of Setup

6/10

<p>Onboarding with Spendesk is generally smooth, thanks to a guided process often supported by a dedicated account manager. Users can quickly set up their teams, expense policies, and approval rules without needing heavy IT involvement. That said, integrating Spendesk with more complex systems (like ERPs) sometimes requires additional effort, which could slow down the initial rollout for larger organizations.</p>
Customer Support
6

Customer Support

6/10

<p>Soldo delivers reliable customer support across multiple channels with generally good response times. The platform offers documentation and educational resources, though we noted that support resources could be more extensive for complex edge cases and response times can occasionally be slower during peak periods.</p>
8

Customer Support

8/10

<p>Spendesk stands out for its robust customer support, with dedicated account managers ensuring a smooth onboarding experience and ongoing assistance. Users consistently praise the team’s responsiveness and deep product knowledge, which makes resolving issues straightforward.</p>
Integratability
6

Integratability

6/10

<p>Soldo offers integrations with common accounting software like Xero, QuickBooks, and Sage, allowing transaction data and receipts to be exported or synchronized to the ledger with minimal effort. While Soldo might not have an extensive marketplace of third-party app integrations (it’s primarily focused on the spending/accounting link), it covers the key integration points that its target users need.</p>
7

Integratability

7/10

<p>Spendesk integrates solidly with popular accounting software like QuickBooks, Xero, and notably, NetSuite—a factor that many users cite as a strong advantage. However, there’s room to expand further into ERP integrations.</p>
Ease of Migration
7

Ease of Migration

7/10

<p>Users can quickly export transaction lists, complete with categories, VAT info, and attached receipt images, into CSV or PDF reports. This makes month-end reconciliation or audit preparation more convenient. The system also allows filters (by date, card, user, etc.) before export, ensuring you get exactly the dataset you need.</p>
7

Ease of Migration

7/10

<p>Exporting spend data from Spendesk is straightforward, with options to download detailed CSV and PDF reports that meet audit and compliance needs.&nbsp;</p>
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