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Soldo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Soldo is a prepaid Mastercard for businesses that issue cards to employees, teams and contractors, with client funds safeguarded in segregated accounts at European banks. A £27 monthly card fee puts it above the lower-cost prepaid options, so it suits firms paying for card controls rather than price alone.

Key facts

Best for
Business prepaid cards with safeguarded client money and accounting links
Monthly fee
£27↗
Card type
Prepaid↗
Card network
Mastercard↗
Legal entity
Soldo Financial Services Ireland Designated Activity Company↗
Headquarters
Ireland↗
Support channels
Chat, Email, Help-centre↗
Features
Multi-currency, Virtual card
Audience
Business
Official website
soldo.com

Credit cards

Rewards type
None↗
Perks
Mastercard prepaid debit cards issued to employees, teams or contractors, Apple and Google Pay support, Mobile app receipt capture, Accounting, ERP, HR and eCommerce integrations including Xero, QuickBooks, Sage Intacct, NetSuite and Amazon Business, Outbound bank transfers via Faster Payments (UK) and SEPA (EU), Client funds safeguarded in segregated accounts at leading European banks, ISO 27001 and PCI DSS certified, Multi-currency wallets (Plus and Unlimited plans)↗
Pricing model
No annual fee

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Client funds are safeguarded in segregated accounts at European banks, and the provider is ISO 27001 and PCI DSS certified
  • Cards run on the mastercard network, and multi-currency and virtual cards are available
  • Accounting, ERP, HR and eCommerce integrations cover Xero, QuickBooks, Sage Intacct, NetSuite and Amazon Business
  • Outbound bank transfers use Faster Payments in the UK and SEPA in the EU, and the mobile app captures receipts

Cons

  • The £27 monthly card fee sits above €5 on Skrill and BHD 0 on CrediMax
  • Soldo is built for business accounts, so a personal spender has nothing to open
  • Support runs on chat, email and help centre, with no phone line listed
Soldo

Ready to try Soldo?

Scored 8.6 / 10 by SumCue.

See alternatives

Who it suits

  • Firms issuing Mastercard prepaid cards to employees, teams or contractors
  • Finance teams that want accounting, ERP, HR and eCommerce integrations such as Xero, QuickBooks, Sage Intacct, NetSuite and Amazon Business
  • Companies paying staff or suppliers across the UK and EU through Faster Payments and SEPA transfers

Who should look elsewhere

  • Skrill, if a personal wallet with a smaller monthly fee matters more than employee cards
  • CrediMax Cardy EX prepaid Visa, where a free monthly fee suits personal spending
  • JMMB Moneyline and JMMB Money Transfer prepaid card, if you want a free monthly fee in a single market

How Soldo compares

Where Soldo is available

Available
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (900459), checked September 26, 2026
Licence in Ireland
Central Bank of Ireland, checked September 26, 2026
Licence in Ireland
IE_CBI (PSD_EMI IE_CBI!C179925), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Soldo card cost each month?+

The published £27 monthly fee covers the card side of a business account. Soldo runs a no annual fee structure, and multi-currency wallets sit on the Plus and Unlimited plans. The card itself is prepaid, so you fund it before spending.

Is my money safe with Soldo?+

Client funds are safeguarded in segregated accounts at European banks, and the provider is ISO 27001 and PCI DSS certified. The provider, Soldo Financial Services Ireland Designated Activity Company, is licensed by the Financial Conduct Authority in the UK and listed in the Central Bank of Ireland register.

Who can get a Soldo card?+

Soldo serves business users who issue Mastercard prepaid cards to employees, teams or contractors. It is built for company spending control, not personal banking. Employers set the cards up through the business account.

Does Soldo give any rewards for spending?+

The rewards type is none, so nothing is earned back on card spending. The card is prepaid on the mastercard network, issued to employees, teams or contractors. What it offers instead is control, receipt capture and accounting integrations.

How do I move money out of a Soldo account?+

Outbound bank transfers run over Faster Payments in the UK and SEPA in the EU, which suits paying staff and suppliers. Receipts are captured in the mobile app, so the audit trail sits next to the spend. Cards are prepaid on the mastercard network.

Can I reach a person by phone at Soldo?+

Support runs on chat, email and help centre, which covers chat, email and a help centre. Urgent card issues are handled by message rather than a phone call, so it suits teams used to written support threads.

Is Soldo a debit card or a prepaid one?+

It is a prepaid card on the mastercard network, so the balance is loaded before it is spent. Soldo also offers multi-currency and virtual cards under its wider feature set. Cards are issued to employees, teams or contractors inside a business account, with mobile wallet support listed alongside.

Does Soldo cost more than other prepaid cards?+

On the monthly fee, yes. Soldo charges £27, while Skrill charges €5, CrediMax Cardy EX prepaid Visa charges BHD 0 and JMMB Moneyline and JMMB Money Transfer prepaid card charges JMD 0. The monthly fee is the figure that separates a business card from cheaper personal options.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Soldo

Soldo

Business prepaid cards with safeguarded client money and accounting links

8.6/10See alternatives