Soldo
Soldo
Soldo is a B2B spending solution with the highest Trustpilot score in its category (4.89/5), per-card spend limits and automatic receipt capture. It is available in the UK, Italy, France, the Netherlands and across the rest of the EU/EEA (in Italy via Soldo Italia S.r.l., Milan); it excludes sole traders and charges a 1.5% FX markup, a plan fee plus a per-additional-user cost.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato |
| Multi-currency | Yes · 5 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | UK, EEA · 30+ countries |
| Regulator | FCA |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | EMI FCA (UK) |
Plans & pricing
Soldo Pro
- Price
- €6
- Issuance fee
- €5
- FX markup
- 1.5%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 1%
- Prepaid corporate cards
- Expense management
- Sub-account
Soldo Premium
- Price
- €20
- Issuance fee
- €5
- FX markup
- 1.5%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 1%
- More users
- Approval workflows
- Reporting
Soldo Enterprise
- Price
- Free
- Issuance fee
- €5
- FX markup
- 1.5%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 1%
- Custom pricing
- Dedicated manager
Strengths
- Trustpilot 4.89/5 — the highest; per-card spend limits; automatic receipt capture; available in Italy/EU.
- No notable sovereignty advantage documented.
Weaknesses
- No sole traders; 1.5% FX; per-additional-user cost on top of the plan fee.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA (UK)): reporting to authorities and freezes on order.
Verdict
Its rating, the highest in the category, rests on concrete ground: the best Trustpilot in the segment (4.89/5), per-card spend limits and automatic receipt capture, available in the UK, Italy and across the rest of the EU/EEA. The limits are scope and cost — no sole traders, 1.5% FX and a per-additional-user cost on top of the plan fee — but the service quality is clear.
Worth little here: a custodial spending platform with full KYC and FCA oversight, built for corporate expense control, not user autonomy. No self-custody or real privacy; the operational excellence rewarded under Tutela is orthogonal to sovereignty.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Soldo a real bank?
Soldo operates under a EMI licence (GB). It is regulated by FCA. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with Soldo?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Soldo support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Soldo support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Soldo?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Company profile · Issuer Data verified on Jun 14, 2026
- support.soldo.com OAM Italy registry · Deposit guarantee · Multi-currency · Savings interest · +1 Data verified on Jul 11, 2026
- ilfattoquotidiano.it Past incidents Data verified on Jun 15, 2026
- techcrunch.com Valuation Data verified on Jun 15, 2026
Show 4 more sources
- businessfinancing.co.uk Plans & pricing Data verified on Jun 14, 2026
- download.soldo.com Plans & pricing Data verified on Jun 14, 2026
- pitchbook.com Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026