What it does
Pleo combines employee and vendor spending, expense records and accounts payable. Its platform provides card limits, spend controls and connections with accounting software.
A Pleo card purchase triggers a phone notification. The employee adds the receipt and a short explanation; finance can flag a transaction that needs more information before sending the records to the accounting system. Vendor cards give recurring suppliers their own payment route, while employee cards assign purchases to the person making them.
The UK plans differ in the controls available, as well as the number of vendor cards:
| Plan | Published price per user per month | Billing and selected limits |
|---|---|---|
| Start | GBP 8 | Monthly only; one administrator and one vendor card |
| Build | GBP 14 | Annual billing; at least three users; 15 vendor cards, reimbursements and approval workflows |
| Optimise | GBP 18 | Annual billing; at least three users; 50 vendor cards, budgets and additional expense review tools |
Individual, per-purchase and temporary card limits start with Build in this comparison. Optimise adds budgets by team, project or entity. Approval rules can route invoices and reimbursement requests to the appropriate reviewers. Available settings also include merchant-category restrictions and controls on ATM use.
A company account is funded through open banking or a transfer from the business's bank account. Accounting connections include Xero, QuickBooks, DATEV and e-conomic, with a customizable CSV export for other setups. Start's local payments cost GBP 1.50 each; Build includes ten monthly and Optimise twenty, then charges GBP 0.95 per payment. Foreign-exchange and international-payment fees are separate.
Begin with a company email to request trial access. Pleo is a spending platform with payment services, rather than the company's general ledger.
Strengths
- Employee and vendor spending controls
- Accounting synchronization across spending records
- Receipts, review questions and accounting exports follow the card transaction
Watch out for
- Build and Optimise require at least three users on the displayed annual pricing
- Reimbursements, flexible card limits and invoice approvals are excluded from Start
Best for
- Finance teams coordinating employee purchases and vendor spending
Sources
- Pleo business spending and accounting connections (Oct 27, 2026)
- Pleo UK plan and payment fees (Oct 27, 2026)
- Pleo funding, receipts and accounting FAQ (Oct 27, 2026)
- Pleo spending limits and approval controls (Oct 27, 2026)