Snapshot
Continue to About ↓- What it does
- Pleo is a European business spend management platform that combines physical and virtual Mastercard company cards with expense capture, employee reimbursements, accounts payable and cash management in one system.
More detail
- Spending is auto-captured, categorised and synced to the customer's accounting software, so finance teams can enforce controls before spend and close the books faster.
- Pleo is a spend management platform rather than a bank, and it prepares expense data ahead of bookkeeping rather than replacing the general ledger or tax engine.
- Best for
- Small, mid-market and multi-entity companies (roughly 1 to 1000+ employees) in Europe whose finance teams want to replace expense reports, put limits and approvals on employee and vendor spend, and export clean records to a supported accounting system such as Xero, QuickBooks, NetSuite or SAP.
- Pricing
- Per-user subscription billed in GBP on the page reviewed: Start £8 per user/month (monthly billing only, max 1 admin, no reimbursements, no individual card limits, no approval workflows)
More detail
- Build £14 per user/month billed yearly with a 3-user minimum
- Optimise £18 per user/month billed yearly with a 3
- Main limitation
- Businesses outside Europe, teams that want a bank account or deposit-taking product, and very small teams needing reimbursements, individual card limits or approval workflows from day one, since those are gated above the entry Start plan.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Pleo is a European business spend management platform that combines physical and virtual Mastercard company cards with expense capture, employee reimbursements, accounts payable and cash management in one system.
- Spending is auto-captured, categorised and synced to the customer's accounting software, so finance teams can enforce controls before spend and close the books faster.
- Pleo is a spend management platform rather than a bank, and it prepares expense data ahead of bookkeeping rather than replacing the general ledger or tax engine.
What it helps with
- Manual expense reports and receipt chasing consume employee and finance time.
- Spend happens before policy is checked, so out-of-policy purchases are caught late.
- Month-end reconciliation is slow when transaction data is scattered and unclean.
- Reimbursing employees out of pocket requires bank runs and approval chains.
- Multi-entity and multi-currency spend lacks a single consolidated view.
- Vendor and recurring spend is hard to track, cap and audit.
- Shared company cards make per-person tracking and fraud risk difficult.
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Physical and virtual company cards | Yes | Mastercard cards usable online and in-store; Google Pay and Apple Pay included on all tiers. |
| Automated expense capture and categorisation | Yes | Receipt snap and auto-categorisation replace expense reports; immediate notification on card payment. |
| Individual, per-purchase and temporary card limits | Limited | Available from the Build tier; not included on Start. |
| Approval workflows | Limited | Included from Build; advanced invoice approval workflows are Optimise only. |
| Reimbursements for out-of-pocket spend | Limited | Not included on Start; on Build and Optimise direct reimbursements carry a 0.90% fee. |
| Accounts payable and invoice handling | Yes | Invoice OCR included on all tiers; duplicate invoice detection and invoice approval flows from Build. |
| AI expense reviews and spend guidelines | Limited | AI spend guidelines from Build; AI expense reviews limited to 100 per month on Optimise. |
| Accounting system integrations | Yes | Xero, QuickBooks, NetSuite, Odoo, Sage, Business Central, Exact, Visma, DATEV and SAP listed. |
| Cash management and multi-currency | Limited | Cash position, sub-accounts and transfer rules scale by tier; cashback and budgets on Optimise only. |
| Bank account or deposit product | No | Pleo states it is not a bank; it is a spend management platform with e-money and card services. |
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Evidence
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- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- pleo.io
Technical profile details
Record ID
88204c84-55fc-4905-a08f-015c89c4222dCanonical URLhttps://profiles.scribble.network/listing/pleo-88204c84