Wallester vs Soldo: Honest Comparison for European Businesses (2026)

By ExpenseBiz Research Team · Updated April 2026

Wallester Business and Soldo are both EU-regulated expense card platforms — but they take very different approaches to pricing. Wallester starts at €0/month with unlimited users and 300 virtual cards; Soldo starts at €21/month with 3 users and 3 cards included. This comparison breaks down the key differences so you can choose the right fit for your team.

TL;DR Wallester and Soldo both serve European business expense management, but differ significantly on pricing, card capacity, and integration depth. Wallester is free; Soldo starts at €21/month. Soldo's edge is Sage/SAP Concur integration and specialist card types. This comparison helps you decide.

Quick Verdict

Wallester wins on price — €0/month vs Soldo's €21/month minimum. Both are FCA-regulated and EEA-available. Soldo wins for teams already embedded in Sage or SAP Concur ecosystems, or those needing specialist card types like fuel cards and subscription cards. For most European SMBs, Wallester's €0 starting price is the decisive advantage.

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Side-by-Side Comparison

Feature
WallesterWallester
SoldoSoldo
Monthly cost€0/monthFrom €21/mo (Standard) — no free tier
Virtual cards300 free virtual cards3 cards (Standard/Plus)
Physical cardsUnlimited (€5 delivery)3 cards included per plan
Card networkVisaMastercard (prepaid)
Currencies10 currencies (own IBANs)GBP, EUR, USD (Plus and above)
UsersUnlimited3 included per plan
FX feesVisa rate + 2%1% markup (Plus and above)
IntegrationsXero, QuickBooks, NetSuite, REST APIXero, QuickBooks, NetSuite, Sage, SAP Concur (Unlimited)
AvailabilityEEA, UK, US, CA, UAE, SG, AUEEA + UK (31 countries)
CashbackNoNo
Best forSMBs needing scale at €0Teams using Sage or SAP Concur
Rating★★★★★★★★★☆

How do Wallester and Soldo compare on pricing?

Soldo's paid-only model vs Wallester's free core plan.

Wallester: Genuinely free core plan — €0/month subscription, 300 virtual cards, unlimited physical cards, unlimited users. No per-seat charges. Usage fees apply for card delivery (€5), ATM withdrawals (2%, min €2), and FX transactions (Visa rate + 2%). Premium tiers (€199/mo, €999/mo) add advanced reporting and card capacity.

Soldo: Three subscription tiers with no permanent free tier. Standard (€21/mo · £21/mo +VAT): 1 wallet, 3 users, 3 cards, up to 20 outbound bank transfers/month. Plus (€33/mo · £33/mo +VAT): 3 wallets, 3 users, 3 cards, 30 transfers/month, multi-currency (GBP/EUR/USD), OCR receipt capture. Unlimited: custom pricing, unlimited wallets/users/cards, SAP Concur integration, 100+ integrations. A 30-day free trial is available on Standard and Plus only.

Verdict: Wallester wins on price for teams of any size. A 10-person team pays €0/month on Wallester vs €21+/month on Soldo Standard — and Soldo's card limit (3 per plan) means you'd need Unlimited to scale.

Which has better cards, currencies, and FX rates?

Card issuance capacity and international spending.

Wallester: 300 virtual Visa cards on the free plan (15,000 on Platinum). Each card issued in ~10 seconds. 10 currencies with dedicated IBANs: EUR, USD, GBP, PLN, CZK, HUF, SEK, NOK, DKK, RON. FX markup: Visa rate + 2%.

Soldo: Mastercard prepaid cards. Standard: 3 cards, single wallet (GBP or EUR). Plus and above: up to 3 wallets (GBP/EUR/USD), multi-currency support, FX markup of 1%. Soldo also offers specialist card types not available on most competitors — fuel cards with mileage tracking and subscription management cards for recurring vendor spend.

Verdict: Wallester wins on card volume (300 vs 3) and currency breadth (10 vs 3). Soldo wins on FX rate (1% vs 2%) for Plus+ customers — but that saving only pays off at high FX transaction volumes. Soldo's fuel and subscription card types are a genuine differentiator.

Which platform has stronger integrations and automation?

How each platform connects to your accounting stack.

Wallester: Integrates with Xero, QuickBooks, and NetSuite. REST API for custom integrations. Transaction export in XLSX, CSV, PDF. Receipt capture and real-time expense tracking. Straightforward but less automated than enterprise-focused competitors.

Soldo: Strong accounting integrations: Xero, QuickBooks, NetSuite, Sage (a key differentiator), and SAP Concur (Unlimited plan only). 100+ additional integrations available on Unlimited. OCR receipt capture on Plus and above. ~30,000 customers across 31 countries, PCI DSS Level 1 certified. If your business runs on Sage or SAP Concur, Soldo's native integration is a genuine advantage.

Verdict: Soldo wins on integration breadth — especially Sage and SAP Concur. Wallester covers the core stack (Xero, QuickBooks, NetSuite) with API flexibility. If Sage is your accounting system, Soldo is the natural choice.

Who should choose Wallester vs Soldo?

Clear recommendations based on your situation.

Choose Wallester if: You want a genuinely free expense card solution with no monthly subscription. You need 50+ virtual cards for SaaS subscriptions or vendor payments. Your team is growing and you don't want costs to scale with headcount. You need 10 currencies with dedicated IBANs. You prefer direct Visa card issuance from a Principal Member.

Choose Soldo if: Your accounting stack includes Sage or SAP Concur. You need specialist card types like fuel cards or subscription management cards. Your team is small (3–10 people) and €21/month is acceptable. You prefer Mastercard's acceptance network. You need OCR receipt capture and are willing to pay for Plus.

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Frequently Asked Questions

Is Wallester cheaper than Soldo?
Yes. Wallester's core plan is genuinely €0/month with 300 virtual cards, unlimited physical cards, and unlimited users. Soldo's cheapest plan (Standard) is €21/month (+VAT) with 3 cards and 3 users included. For any size team, Wallester is dramatically cheaper — unless you specifically need Soldo's Sage or SAP Concur integrations.
Does Soldo have a free plan?
No. Soldo does not offer a permanent free tier. There is a 30-day free trial on Standard (€21/mo) and Plus (€33/mo) plans. After the trial ends, you must move to a paid plan. Wallester's €0/month plan is a permanent free tier, not a time-limited trial.
How do FX fees compare between Wallester and Soldo?
Soldo charges 1% FX markup on Plus and above — lower than Wallester's 2% markup. However, Soldo's Plus plan costs €33/month. The FX saving (1% vs 2%) only makes financial sense if your team spends more than €3,300/month in foreign currencies. Below that threshold, Wallester's €0 subscription wins on total cost.
Which integrates better with Sage?
Soldo. Soldo has a native Sage integration available on its plans. Wallester integrates with Xero, QuickBooks, and NetSuite, but does not have a direct Sage integration. If Sage is your primary accounting software, Soldo is the stronger choice.
Can I switch from Soldo to Wallester?
Yes. Sign up for Wallester Business and issue cards immediately — virtual cards in ~10 seconds. Update card details on your subscriptions and vendor accounts. Both platforms export transaction history in standard formats. There's no lock-in with either service. Most teams complete the migration in a single working day.

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