Soldo vs Cube
A detailed comparison to help you choose between Soldo and Cube.
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Verdict: Cube wins
Cube scores 4.1/5, edging out Soldo at 4.0/5. Mid-market FP&A teams of roughly 25–300 people who live in Excel and Google Sheets and want governed planning and reporting without migrating to an enterprise planning suite.
Soldo Zakelijke uitgavenkaarten | Cube AI-powered financial planning for mid-market companies | |
|---|---|---|
| Rating | 4.0 (1 review) | 4.1 (1 review) |
| Pricing Model | paid | paid |
| Starting Price | Pricing varies | From $1500/mo |
| Best For | Incorporated European businesses that want to issue prepaid company cards with real pre-purchase spend controls and automated receipt-to-accounting flow, and can live within the Plus tier's feature set. | Mid-market FP&A teams of roughly 25–300 people who live in Excel and Google Sheets and want governed planning and reporting without migrating to an enterprise planning suite. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | — | team featuressso |
| Visit Cube → |
Soldo
Pros
- + Controls fire before the money moves: per-card caps and merchant-category rules declined my test transaction at the point of sale instead of flagging it later
- + Card range is wider than most rivals — physical, virtual, temporary, multi-user company, fuel and subscription cards, all with Apple/Google Pay (soldo.com/en-gb/pricing)
- + Xero integration carried receipts and categories into reconciliation and removed the manual matching step in my trial; Capterra reviewers report 4-5 hours/week saved on receipt input
- + Transparent entry pricing at £27/£39 per month plus VAT with a 30-day trial and published financial-services fee summary, rather than sales-gated quotes (soldo.com/en-gb/pricing, at time of writing)
- + FCA-authorised e-money institution (ref 900459) and Mastercard-issued cards — regulated money, not a software wrapper; Trustpilot 4.89/5 from 1,761 reviews (April 2026, via businessexpert.co.uk)
Cons
- - No free plan and no service for sole traders — incorporated entities only (soldo.com/en-gb/questions)
- - Table-stakes features sit above Standard: OCR receipt verification, multi-currency wallets and advanced approvals all require Plus at £39/month
- - Nearly every serious integration is an add-on — NetSuite, Dynamics, SAP Concur, SSO, API, payroll CSV and Amazon Business all cost extra (soldo.com/en-gb/pricing)
- - Reporting is the recurring weakness in reviews: limited for advanced analysis, and PDF expense reports render attached invoice images at poor quality in my test
- - The 2023 move from per-card to per-user pricing raised costs for customers with non-spending users like accountants (Capterra reviews)
Cube
Pros
- + Bi-directional Excel and Google Sheets sync preserves formulas and version history — in my test refreshes landed in seconds and forecast inputs pushed back cleanly
- + Both Excel and Sheets are first-class surfaces, so mixed-stack teams don't have to standardise before adopting
- + Governed dimension/tag model makes self-serve reporting realistic for non-finance stakeholders
- + Transparent compliance floor on every tier: SOC 1 and SOC 2 Type 2 plus HIPAA, with SSO/SCIM from Silver up
- + MCP server and Slack/Teams apps give auditable AI access to finance data — outputs trace back to transactions
Cons
- - No public pricing at all — Bronze, Silver and Gold are quote-only, and implementation fees are billed separately
- - Retrieved hierarchies (parent/child accounts) come back as a flat column, so presentation-ready formatting is manual every cycle
- - New GL accounts require manual parent mapping before they flow correctly into models
- - Headcount planning and dashboard visuals trail dedicated workforce modules and BI tools like Power BI
- - Independent reviewers flag a scalability ceiling around complex 300-employee organisations before enterprise suites pull ahead
Frequently Asked Questions
Which is better, Soldo or Cube?▼
Cube scores higher at 4.1/5 vs 4.0/5 for Soldo, making it the better-rated option in our comparison.
What is the difference between Soldo and Cube?▼
Soldo: Soldo issues prepaid company Mastercards with spending rules per card, and collects receipts and expense data for the finance team. Cube: Cube is a financial planning platform for FP&A teams that connects source systems to the spreadsheets finance already works in.
Is Soldo or Cube more affordable?▼
Soldo starts at €0/mo, Cube starts at €1500/mo. Check the comparison table above for current pricing.
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