Brex vs Soldo (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 6.6/10 for Soldo on our Finance Software criteria. Its biggest advantage: higher Cost score (8/10 vs 6/10). Only Brex has a free plan.
Last updated: November 2026
Brex
7.5/10
Brex is a corporate card, expense management, bill pay and business banking platform for startups, mid-sized companies and global enterprises, and is now owned by Capital One.
Soldo
6.6/10
Soldo is a spend management platform built on prepaid Mastercard company cards, for UK and European businesses that need to control decentralised employee spending and capture expenses.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 6.6/10 |
| Scalability | 8/10 | 7/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 8/10 | 7/10 |
| Security | 8/10 | 8/10 |
| Support | 6/10 | 6/10 |
| Cost | 8/10 | 6/10 |
| Customization | 7/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $12/user/mo Premium | £27/mo Standard |
| Estimated cost for 10 users | Free Essentials | Contact for pricing |
| Features | ||
| Accountant Access | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
Brex vs Soldo cost by team size
| Team size | Brex | Soldo |
|---|---|---|
| 1 user | FreeEssentials | £27/moStandard |
| 5 users | FreeEssentials | Contact for pricing |
| 10 users | FreeEssentials | Contact for pricing |
| 25 users | FreeEssentials | Contact for pricing |
| 50 users | FreeEssentials | Contact for pricing |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Brex and Soldo suit
Soldo fits small business better than Brex.
| Audience | Brex | Soldo |
|---|---|---|
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | 7/10Low flat monthly plans with 3 users and 3 cards fit small teams, but extra cards and transactions carry their own fees. |
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | 7/10Finance teams get central spend controls, an accountant role and accounting syncs, but reviewers find approvals and reporting limited. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | 8/10The Unlimited plan, ERP and HR integrations, and Professional Services are aimed at larger organisations with many cardholders. |
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | Not rated |
| Field Teams | Not rated | 8/10Soldo sells fuel and expense cards for each employee, with receipt capture in the mobile app, for spending done away from the office. |
| Marketing Teams | Not rated | 6/10Virtual cards with budgets suit online advertising and subscription spend, though the prepaid model means wallets must be topped up first. |
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | Not rated |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | Not rated |
Which One Should You Choose?
Why choose Brex
- Has a free plan (Soldo does not)
- Higher Cost score (8/10 vs 6/10)
- Higher Customization score (7/10 vs 5/10)
Why choose Soldo
- Better fit for small business (7/10 vs 4/10)
Pros & Cons
Brex
Pros
- The Essentials tier is free and includes cards, bill pay, reimbursements, travel booking, API access and accounting integrations.
- Card limits are underwritten on cash balance and revenue rather than a founder's personal guarantee, which helps startups without a credit history.
- Direct ERP syncs cover NetSuite, QuickBooks Online, Xero, Sage Intacct, Business Central and newer AI-native ERPs such as Rillet and Campfire, and a two-way Accounting API launched in January 2026.
- Brex holds SOC 1 Type II and SOC 2 Type II attestations, is PCI-DSS compliant and supports SAML or OIDC single sign-on.
- Brex releases updates often. The September 2026 release alone added more than 30 features, including passkeys, p-card policy rules and access to Brex data from ChatGPT, Claude and Slack.
- Pricing is published at 12 USD per user per month for Premium, and G2 reviewers rate the product highly, at about 4.8 out of 5.
Cons
- Brex has a history of abrupt account closures and eligibility changes, and it left the small-business market in 2022.
- Credit limits move with the company's cash balance, which some reviewers find unpredictable.
- Card purchases that need currency conversion carry an FX markup of up to 3 percent, built into the exchange rate.
- It is not a general ledger. Bookkeeping and financial statements still need a separate ERP or accounting system.
- Some support and setup experiences are poor, including a clunky HRIS integration setup reported on Gartner Peer Insights.
- The Capital One acquisition could slow feature shipping during integration, according to industry commentary.
Soldo
Pros
- Admins can set spending limits for each card, wallet or team and lock a misplaced card at once, which suits companies with many small, decentralised purchases.
- Security credentials are well documented: PCI DSS Level 1 since 2017, ISO 27001 since 2019, Cyber Essentials Plus, and electronic money licences from the FCA and the Central Bank of Ireland.
- The integration list is broad. It covers Xero, QuickBooks, Sage, DATEV, NetSuite, Dynamics 365 and Odoo, HR systems such as HiBob and Workday, SSO providers, and a Business API with a sandbox.
- Entry plans have published prices (£27 and £39 a month) and a 30-day free trial, which many spend management rivals do not offer.
- Out-of-pocket expenses and mileage claims go through the same expense review flow as card transactions, and payouts are made with the Pay someone feature.
- Review scores are solidly positive, around 4.5 out of 5 on G2 and 4.7 on Capterra, with ease of use and expense tracking praised most often.
Cons
- Cards are prepaid only. There is no credit line, and wallets must be topped up before employees can spend. Some merchants do not accept prepaid cards.
- Many charges sit on top of the plan fee: £5 per physical card, £1 per virtual card, a 1% UK ATM fee with a £2 minimum, an FX markup reported at 1% to 1.5%, and £20 international transfers.
- Standard and Plus are capped at 3 users and 3 cards, and custom approval workflows and SAP Concur require the quote-only Unlimited plan.
- Reviewers repeatedly report sudden account blocks or freezes, difficulty getting at funds, and slow or unclear communication from support.
- Reviewers say the reporting is too limited for advanced financial analysis, and approval workflows are the most-cited weakness on G2.
- Funds are e-money and are not protected by the UK's FSCS deposit guarantee, so most firms still need a separate business bank account.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 6.6/10 for Soldo. The largest gap is in Cost: 8/10 for Brex and 6/10 for Soldo.
Brex has a free plan; Soldo does not list one.
Soldo is the better fit for small business: we rate it 7/10 for them, against 4/10 for Brex.
