Pleo vs Vivid Business Comparison
Compare Pleo vs Vivid Business features, pricing, and more.
Last updated: November 2026
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.
Vivid Business
6.1/10
Vivid Business is a business account from Berlin-based Vivid Money for European freelancers and SMEs. It bundles cards, multi-currency accounts, invoicing, card acceptance and interest on idle cash.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.8/10 | 6.1/10 |
| Analytics | 6/10 | 4/10 |
| Compliance | 7/10 | 6/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 9/10 | 7/10 |
| Integration | 7/10 | 6/10 |
| Scalability | 6/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 5/10 | 5/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £8/user/mo Start | €7/mo Basic |
| Estimated cost for 10 users | £80/mo Start | Free Free Start |
| Features | ||
| Budgeting and Forecasting | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Accounts Payable | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | ||
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Payroll | ||
Pleo vs Vivid Business cost by team size
| Team size | Pleo | Vivid Business |
|---|---|---|
| 1 user | £8/moStart | FreeFree Start |
| 5 users | £40/moStart | FreeFree Start |
| 10 users | £80/moStart | FreeFree Start |
| 25 users | £200/moStart | FreeFree Start |
| 50 users | £400/moStart | FreeFree Start |
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 Pleo
- Higher Analytics score (6/10 vs 4/10)
- Higher Ease of Use score (9/10 vs 7/10)
Why choose Vivid Business
- Has a free plan (Pleo does not)
- Higher Cost score (8/10 vs 6/10)
Pros & Cons
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.
Vivid Business
Pros
- A free plan with unlimited team members and free virtual and physical cards keeps entry costs low.
- Promotional interest of 4% on EUR and 5% on USD and GBP, plus ongoing interest that rises on higher tiers.
- Invoicing, accounting integrations including DATEV, and a travel tool are included on every plan.
- Unlimited sub-accounts with their own IBANs make cash budgeting simple.
- Enterprise tiers add approval flows with up to three steps, custom roles and budgets.
Cons
- It is not an accounting system: there is no ledger or financial statements, so bookkeeping software is still needed.
- Trustpilot reviewers in 2026 report business funds frozen for weeks with poor explanations.
- Approval flows, custom roles and budgets require Enterprise at 79 euros per month or more.
- A Luxembourg IBAN can be refused for some direct debits, and Vivid is an e-money institution rather than a bank.
- Outgoing international transfers are not available on the free plan, and SWIFT transfers cost up to 30 euros.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.1/10 for Vivid Business. The largest gap is in Analytics: 6/10 for Pleo and 4/10 for Vivid Business.
Vivid Business has a free plan; Pleo does not list one.
