Soldo Financial Services Ireland DAC

E-money or payment institution · Dublin, Ireland

Soldo gives a company prepaid Mastercard cards for employees and a platform to set the rules those cards follow. Money sits in ring-fenced wallets, cards carry limits and merchant restrictions, receipts are captured by phone with OCR, and transactions export straight into Xero, QuickBooks, Sage Intacct, NetSuite, DATEV or SAP Concur. Soldo Financial Services Ireland DAC is the regulated part: it is an e-money company supervised by the Central Bank of Ireland that issues the cards and holds the funds for EEA customers, while the software is sold by Soldo Software Ltd in the UK. Plans start at GBP 21 a month for three users, three cards and one wallet.

Legal name: Soldo Financial Services Ireland DAC
Regulated by: Central Bank of Ireland (Soldo Financial Services Ireland DAC, company number 610705), Financial Conduct Authority (UK sister company Soldo Financial Services Ltd, firm reference 900459)
Licence confirmed: yes, on a regulator's own list
Established: 2014
Website: www.soldo.com

Scores, 0 to 10

8.0Customer satisfaction

Trustpilot shows 4.5 out of 5 from 1,942 reviews for soldo.com. · source

8.0Business cards (Visa, Mastercard)

Unlimited physical Mastercard issuance free on every plan, 300 to 18,000 free virtual cards by plan, disposable and custom-expiry virtual cards, fuel cards, instant issuance and Apple and Google Pay. · source

6.5Europe (EU, EEA, Switzerland)

Soldo Financial Services Ireland DAC is regulated by the Central Bank of Ireland and provides the financial services for customers resident anywhere in the EEA, with a separate Italian software entity. · source

6.5United Kingdom

UK customers are served by Soldo Financial Services Ltd, an FCA authorised electronic money institution (firm reference 900459), with GBP pricing published. · source

6.5Fast digital onboarding

Signup is online with a 30-day trial on Standard and Plus, but only incorporated entities are accepted and no time to open is published. · source

5.5Lowest fees

Pricing is published and starts at GBP 21 a month plus VAT for three users and three cards, but there is no free plan and financial services fees for card issuance and cash withdrawals are extra. · source

5.5Financial strength & stability

Regulated by the Central Bank of Ireland with customer funds held by the e-money entity rather than a third party, but no accounts, capital figures or rating are published. · source

5.0Cross-border payments, FX and multi-currency accounts

Multi-currency spending is included on Plus and Unlimited, but no currency list, FX margin or international payment rail is published. Multi-entity account setup, hierarchical groups, ring-fenced company wallets and role-based access at scale on Unlimited, but no cash pooling, hedging or credit. · source

5.0Online businesses: e-commerce and SaaS

Subscription and online advertising cards suit paying for e-commerce tools, but there is no acquiring, no collection account and no marketplace payout. Subscriptions and online ads cards, virtual cards for cloud spend and integrations with the main accounting systems, but no USD or EUR receiving account and no revenue-based financing. · source

5.0Startups & VC-backed companies

A small team can start on the GBP 21 Standard plan with a 30-day trial, but there is no startup programme, no financing and sole traders are refused. · source

4.5On-ramp: buy crypto with fiat

Evidence is thin: Soldo cards work wherever Mastercard is accepted and an August 2026 help article names gambling, not crypto, as a typical company-set block, but the account is built for employee spending with SEPA payouts, not for funding exchanges, and no report of exchange use was found. · source

4.0Foreign-owned & non-resident companies

The Irish entity serves customers resident in the EEA and the UK entity serves UK customers, but Soldo publishes no policy on foreign-owned companies or non-resident directors. · source

4.0Off-ramp: crypto to fiat in a business account

Evidence is thin: the terms let Soldo reject and return any incoming bank transfer without giving a reason and publish no process for crypto proceeds; the account is loaded from the company's own bank, not from exchanges. · source

3.0Crypto-friendly bank

Soldo publishes no policy on crypto businesses; the pricing page and feature list mention digital assets nowhere. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Soldo publishes no acceptance or prohibited-activity policy covering gambling, cannabis, adult or forex businesses. · source

2.5Fintech companies that need a partner bank

Soldo issues its own cards through its Irish e-money company but offers no safeguarding accounts, BIN sponsorship or rail access to other payment firms. · source

2.0Best interest on business balances

Funds sit in prepaid wallets; no interest, savings or treasury sweep is offered and none is mentioned in the plan comparison. · source

1.0Trade, manufacturing & import-export

No letters of credit, guarantees or supply-chain finance; the product is cards and expense control. · source

1.0Crypto wallet and custody for a business

Soldo FS Ireland issues prepaid Mastercard expense accounts to companies and its 2025 business account terms (ROE v1.12) contain no crypto holding or custody of any kind, checked September 2026. · source

1.0Accept crypto payments

Soldo does no merchant acquiring and offers no crypto or stablecoin acceptance; its pricing page lists spend management plans only, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, holding or transfer at Soldo; digital assets appear nowhere in its terms or pricing, checked September 2026. · source

1.0Ethereum

No ether product at Soldo; digital assets appear nowhere in its terms or pricing, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or conversion at Soldo; the account holds fiat in supported currencies only under the 2025 terms, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.