By ExpenseBiz Research Team · Updated April 2026

Wallester vs Soldo: Honest Comparison for European Businesses (2026)Wallester vs Soldo: Honest Comparison for UK Businesses (2026)Wallester vs Soldo: Honest Comparison for US Businesses (2026)Wallester vs Soldo: Honest Comparison for Global Businesses (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.

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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

Side-by-Side Comparison

Feature Wallester Soldo
Monthly cost ✓ €0/month From €21/mo (Standard) — no free tier
Virtual cards ✓ 300 free virtual cards 3 cards (Standard/Plus)
Physical cards Unlimited (€5 delivery) 3 cards included per plan
Card network Visa Mastercard (prepaid)
Currencies ✓ 10 currencies (own IBANs) GBP, EUR, USD (Plus and above)
Users ✓ Unlimited 3 included per plan
FX fees Visa rate + 2% 1% markup (Plus and above)
Integrations Xero, QuickBooks, NetSuite, REST API Xero, QuickBooks, NetSuite, Sage, SAP Concur (Unlimited)
Availability EEA, UK, US, CA, UAE, SG, AU EEA + UK (31 countries)
Cashback No No
Best for SMBs needing scale at €0 Teams using Sage or SAP Concur
Rating ★★★★★ ★★★★☆
Wallester Wallester Winner
Monthly cost
€0/month
Virtual cards
300 free virtual cards
Currencies
10 currencies (own IBANs)
Integrations
Xero, QuickBooks, NetSuite, REST API
Availability
EEA, UK, US, CA, UAE, SG, AU
Rating
★★★★★
Soldo Soldo
Monthly cost
From €21/mo (Standard) — no free tier
Virtual cards
3 cards (Standard/Plus)
Currencies
GBP, EUR, USD (Plus and above)
Integrations
Xero, QuickBooks, NetSuite, Sage, SAP Concur (Unlimited)
Availability
EEA + UK (31 countries)
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.

Quick Verdict

Ready to stop paying for expense management?

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.

Open a Free Wallester Account →
€0 Monthly cost
300 Virtual cards
10 Currencies
∞ Users
FAQ

Frequently Asked Questions

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.

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.

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.

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.

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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