Pleo 🧾 Service

What you get

Pleo is a business spend platform built around company cards (physical and virtual) plus expense management, reimbursements, accounts payable, multi-currency payments, cash management, spend controls and accounting automation. It integrates with common accounting and HR systems so transactions and receipts sync automatically instead of sitting in a spreadsheet.

Three plans, billed per user: Start (£8/user/month, monthly billing, 1 admin and 1 included user) for basic spend from day one; Build (£14/user/month, billed yearly, 3-user minimum) adds reimbursements, mileage, approval workflows, flexible card limits and cash management; Optimise (£18/user/month, billed yearly, 3-user minimum) adds cashback for eligible customers, budgets, HRIS integrations, AI expense review and spending insights.

Who qualifies

Open to companies of any size, from small teams to enterprise, across Europe (Pleo is Denmark-based and says it is used by 40,000+ companies across Europe); pricing shown is for the UK. Higher credit limits, overdraft and cashback are reserved for customers Pleo separately qualifies as eligible, with no published criteria.

Good to know

• The entry Start plan is monthly with no annual commitment; Build and Optimise require annual billing and a 3-user minimum.
• Local payments and foreign-exchange fees apply and get cheaper on higher plans (for example, card FX fees run from 2.00% on Start down to 1.49% on Optimise).
• No general startup discount is published; the only route to a free trial is 'Try for free' on Start or Build.

Verdict

A solid company-card and expense tool for a European team that wants spend control without heavy finance headcount. There's no startup-specific deal, so budget for the per-user monthly cost from the start, and compare it against Spendesk or Payhawk if you want a direct EU alternative.

1. Compare the Start, Build and Optimise plans against your team size and billing preference.
2. Click 'Try for free' on Start or Build to register, or 'Book a demo' for Optimise.
3. Set up your company details and order cards for your team.
4. Connect your accounting system to sync transactions automatically.