FreeAgent vs Pleo Comparison
Compare FreeAgent vs Pleo features, pricing, and more.
Last updated: November 2026
FreeAgent
6.4/10
FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.8/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 4/10 | 6/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £10/mo Landlord | £8/user/mo Start |
| Estimated cost for 10 users | £10/mo Landlord | £80/mo Start |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Expense Management | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
FreeAgent vs Pleo cost by team size
Pleo costs less at 1 user; FreeAgent costs less from 5 users.
| Team size | FreeAgent | Pleo |
|---|---|---|
| 1 user | £10/moLandlord | £8/moStart |
| 5 users | £10/moLandlord | £40/moStart |
| 10 users | £10/moLandlord | £80/moStart |
| 25 users | £10/moLandlord | £200/moStart |
| 50 users | £10/moLandlord | £400/moStart |
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.
Which One Should You Choose?
Why choose FreeAgent
- Lower estimated cost for 10 users: £10/mo vs £80/mo
- Higher Support score (7/10 vs 5/10)
- Higher Cost score (8/10 vs 6/10)
- Includes General Ledger, which Pleo lacks
- Includes Payroll, which Pleo lacks
Why choose Pleo
- Higher Scalability score (6/10 vs 3/10)
- Higher Analytics score (6/10 vs 4/10)
- Better fit for enterprise (4/10 vs 1/10)
Pros & Cons
FreeAgent
Pros
- Free for customers with a NatWest, RBS, Ulster Bank, or qualifying Mettle business account.
- Built-in HMRC filing covers MTD VAT, Self Assessment, and MTD for Income Tax, and the limited company plan adds end-of-year filing.
- Reviewers often praise its UK-based phone and chat support.
- Every plan includes time tracking, projects, and invoicing, which suits freelancers who bill by the hour.
- Multi-currency invoicing and foreign-currency bank accounts are supported, with realised and unrealised gains and losses calculated automatically.
Cons
- Reviewers describe invoice templates as basic and say custom reporting is limited.
- Payroll suits only director-only setups or very small teams.
- Its integration ecosystem is smaller than those of Xero or QuickBooks.
- It has no multi-entity consolidation or advanced controls, so it does not scale to larger firms.
- Some users report out-of-date help articles.
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.4/10 for FreeAgent. The largest gap is in Scalability: 3/10 for FreeAgent and 6/10 for Pleo.
FreeAgent costs less for 10 users: about £10/mo on its Landlord plan, against about £80/mo on its Start plan for Pleo, billed monthly.
No, neither FreeAgent nor Pleo lists a free plan.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 1/10 for FreeAgent.
FreeAgent has General Ledger and Payroll, which Pleo lacks.
