Best Soldo Alternatives for UK Small Businesses 2025
Soldo is a strong tool for multi-currency card control — but if your team needs personal card reimbursement, simpler pricing, or better HMRC mileage support, here are the best alternatives.
Where Soldo falls short for some UK teams
- Soldo is card-based — employees must use Soldo cards, personal card reimbursement is not supported
- Pricing requires a sales call for larger features; not fully transparent
- Mileage claims require manual workarounds — no native HMRC mileage rate support
- Requires the company to pre-fund card wallets
- Not ideal for contractors or casual workers who prefer not to carry company cards
1. Claimio — Best Soldo alternative for reimbursement-based teams
Where Soldo controls spending before it happens, Claimio handles the full reimbursement workflow after. Employees photograph receipts or log mileage, claims are approved by managers, and Stripe pays the employee directly — no card infrastructure required.
- Works with personal cards, cash, and any payment method
- AI receipt scanning — merchant, amount, date, category extracted automatically
- HMRC mileage rates pre-configured (45p/25p for cars)
- Stripe automated bank reimbursements
- Xero, QuickBooks, Sage exports
- Multi-level approval workflows
- Per diem and expense policy enforcement
- 7-day free trial on every account
Pricing: Pro £19.99/mo · Business £49.99/mo (7-day free trial included)
2. Pleo — Best card alternative to Soldo
If you still want a card-based model but want something simpler than Soldo, Pleo is the closest alternative. Better UK support, cleaner UI, and strong accounting integrations. Starts at £45/mo for 3 users.
3. Expensify — Best if you want card and reimbursement hybrid
Expensify supports both the Expensify Card and personal card reimbursement — giving more flexibility than Soldo. More complex to set up, and pricing is per user in USD, which gets expensive for UK teams.
4. Webexpenses — Best UK-native option
For UK businesses that want a homegrown solution with HMRC mileage support and accounting integrations, Webexpenses is worth considering. No card required — fully reimbursement-based. Per-user pricing.
Comparison
| App | Personal cards | Auto reimburse | HMRC mileage | Free trial |
|---|---|---|---|---|
| Claimio | ✅ Yes | ✅ Stripe | ✅ Yes | ✅ Yes |
| Soldo | ❌ No | Card only | ⚠️ Manual | ❌ No |
| Pleo | ❌ No | Card only | ⚠️ Limited | ❌ No |
| Expensify | ✅ Yes | ❌ Manual | ⚠️ Config | ✅ Limited |
| Webexpenses | ✅ Yes | ❌ Manual | ✅ Yes | ❌ No |
Bottom line
Soldo excels at real-time card-based spend control, especially for multi-currency teams. But for UK small businesses where employees pay on personal cards and need fast, accurate reimbursement, Claimio is the stronger choice — and starts free.
Try the Soldo alternative built for UK teams
No company card needed. Reimburse employees directly to their bank.
Download Claimio on the App Store