Soldo leads on support and implementation. Spendesk leads on compliance depth and scalability.
We earn a referral fee from some vendors. It never changes our scores, which come from our published eight-dimension rubric.
£27 or £39/mo + VAT (published) Read our full Soldo review
Quote only; ~$7.6k/yr avg (Vendr) Read our full Spendesk review
Scores from our independent reviews of both tools. Prices verified 12 Nov 2026.
| Fact | Soldo | Spendesk |
|---|---|---|
| Best fit | UK and EU decentralised spend | EU mid-market, 50 to 1,000 staff |
| Price | £27 or £39/mo + VAT (published) | Quote only; ~$7.6k/yr avg (Vendr) |
| Pricing model | Published tiers: base fee with 3 users, then per extra user | Quote only: fixed platform fee plus per-transaction fees |
| Implementation | Low | Medium |
| Time to go live | Days to 4 weeks (AF estimate) | 2 to 12 weeks (vendor plan) |
| Agent readiness | 2 / 5 | ✓ 4 / 5 |
| AF score | 69 / 100 | ✓ 75 / 100 |
✓ marks a clear edge. Prices are as each vendor publishes them, verified 12 Nov 2026.
Each dimension is scored 0 to 100 in the full reviews. The chip shows the leader's margin.
Published tiers: base fee with 3 users, then per extra user
Quote only: fixed platform fee plus per-transaction fees
Spendesk, 75 to 69 on our 100-point rubric.
Soldo: £27 or £39/mo + VAT (published). Spendesk: Quote only; ~$7.6k/yr avg (Vendr).
Soldo: Days to 4 weeks (AF estimate). Spendesk: 2 to 12 weeks (vendor plan).
Soldo rates 2 and Spendesk rates 4 out of 5 on our agent-readiness test.
A straight answer from our research on both tools.
