Soldo
Soldo is a UK (outside the EU/EEA) fintech-infrastructure provider (Spend management). Verified at source - licence, regulator and registry reference. Active
Who it's for
Soldo is built for finance teams managing company cards, expenses and budgets. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: published entry pricing (from GBP 21/mo).
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: UK (UK / Italy)
What Soldo does
Capabilities & rails
- Entry price: from GBP 21/mo (as of verification - confirm at source)
Verified licence profile
Own EMI: Soldo Financial Services Ltd (FCA AEMI since 2018) + Soldo Financial Services Ireland (EEA). Prepaid corporate cards + spend control.
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Soldo? Work with us →
Official register entries
- E-money institution (EMI) - Central Bank of Ireland · Ref C179925 · Active (EBA PSD2 register, as of 2026-07-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 900459 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
European alternatives to Soldo
AirPlus International (Neu-Isenburg, Germany) - B2B corporate travel payments: central lodged cards, corporate credit cards and virtual cards with accounting and analysis for business travel programmes. Sold by Lufthansa Group to SEB Kort (SEB Group, Sweden) for approx. EUR 450m, closed 31 Jul 2024 - ownership flag (EU). EEA payment entity in Belgium (PI).
Billhop (Stockholm, Sweden) - B2B payments by card: companies pay any supplier invoice with a credit card even where the vendor does not accept cards, unlocking working capital and card float for procurement; EUR 10.5m Series A for European expansion. Payment institution (Swedish FSA).
Cardlay (Denmark) - spend-management software with an own partner-issued virtual card programme; an expense add-on for bank card programmes.
Circula (Berlin, Germany; founded 2017) - AI expense management with a digital Visa corporate card; 2,800+ customers (Aston Martin, DATEV) and 150k+ employees. Series A extension EUR 15m (2025). SaaS.
Coverflex (Braga/Lisbon, Portugal) - flexible compensation and employee-benefits platform: meal allowance, insurance, fringe benefits, budgets and perks in one app with a payment card; 13,000+ companies across four markets; EUR 15m Series A (2023). The Iberian counterpart to Epassi/Swile.
Epassi (Helsinki, Finland; founded 2007) - Nordic market leader in mobile payments for employee benefits: meals, transport, wellbeing, healthcare and culture paid via the Epassi app; 1.5m+ users and 35,000+ merchant sites across Finland and Sweden. Payment institution rail: Epassi Clearing Oy (FIN-FSA).
FAQ
Is Soldo European / EEA-based?
Partly. Soldo is UK origin (UK / Italy); part of its rail or data sits outside the EEA - check the licence profile.
What does Soldo do?
Soldo covers: Spend management. Verified at source by Fintechnologica.