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Pleo

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What Pleo is

Pleo is a business spending and expense management service built around company cards. It combines expense tracking, reimbursements, cash management, accounts payable and multi-currency tools. Expenses can be tracked in real time, with reports generated automatically. Depending on the plan, businesses can set card limits, use approval workflows and apply AI-powered spend guidelines. Pleo lists integrations with Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR. It is available on the web and on Android and iOS, and also lists an API.

Pleo was founded in Copenhagen in 2015 by Jeppe Rindom and Niccolo Perra, and says it serves companies of all sizes across industries. Its stated security and compliance details include TLS 1.2 with AES256 and SHA384 encryption for data in transit, customer data stored and processed in AWS data centers in Ireland, PCI-DSS, GDPR adherence, Google's Cloud Application Security Assessment and a Cloud Security Alliance CAIQ self-assessment. Email support is included with all three plans; live chat is included with Optimise. Start is £8.00 per user per month, billed monthly. Build is £14.00 per user per month and Optimise is £18.00 per user per month, both billed yearly. A free trial is offered for Start and Build.

Who it suits

Pleo suits businesses that want company spending cards alongside expense tracking, reimbursements or accounts payable tools. Its plans address different company sizes, though Build and Optimise require at least three users.

What it does well

  • Tracks spending in real time and creates expense reports automatically.
  • Combines cards, reimbursements, cash management and accounts payable.
  • Supports multiple currencies.
  • Lists integrations with Xero, NetSuite, QuickBooks and other business tools.
  • All three plans include email support.

What to know first

  • Build and Optimise require a minimum of three users.
  • Start permits a maximum of one admin.
  • Live chat support is included only with Optimise.

Limits

Start has a maximum of one admin. Build and Optimise require at least three users; their listed vendor-card allowances are up to 15 and up to 50 respectively. Eligible customer credit limits are up to £5,000 for Start, £20,000 for Build and £100,000 for Optimise.

Plans

PlanBilled and limitsPrice
BuildBilled yearly · Per user · 3 users minimum · Up to 15 vendor cards · Credit limit up to £20,000 for eligible customers£14 a month
OptimiseBilled yearly · Per user · 3 users minimum · Up to 50 vendor cards · Credit limit up to £100,000 for eligible customers£18 a month
ScaleStarting from $249/month · 3 included users · 3 minimum users · 100 reimbursement-only users · 200 AI expense reviews/month · 10 transfer rules · 0.90% direct reimbursements$249 a month
LeadStarting from $499/month · 5 included users · 5 minimum users · unlimited reimbursement-only users · unlimited virtual cards · unlimited AI expense reviews · 20 transfer rules · 0% direct reimbursements$499 a month
StartMonthly billing only · Per user · Max 1 admin · 1 vendor card · Credit limit up to £5,000 for eligible customers£8 a month

As pleo.io lists them, read 4 Oct 2026. The maker's own page has the final word.

Getting started

  1. Visit pleo.io to review the plans.
  2. Choose Start or Build if you want to use the offered free trial.
  3. Select a plan based on its billing term and user requirements.
  4. Use the web service or the Android and iOS apps.

Verdict

Choose Pleo if your business wants spending cards and expense management with accounting integrations and multiple currencies. Check the plan limits and billing terms against your team size; Build and Optimise require three users, while live chat is reserved for Optimise.

Questions

Is there a free plan?

No. Pleo offers a free trial for Start and Build.

How much do the plans cost?

Start is £8.00 per user per month with monthly billing. Build is £14.00 per user per month and Optimise is £18.00 per user per month, both billed yearly.

Which platforms does Pleo support?

Pleo is available on web, Android and iOS, and lists an API.

Which integrations are listed?

Pleo lists Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR.

What support comes with the plans?

All three listed plans include email support. Live chat is included only in Optimise.

What security and compliance details does Pleo list?

Pleo says it uses TLS 1.2 with AES256 and SHA384 to encrypt data in transit, and stores and processes customer data in AWS data centers in Ireland. Its listed compliance details include PCI-DSS, GDPR adherence, Google's Cloud Application Security Assessment and a Cloud Security Alliance CAIQ self-assessment.

Facts from Pleo's own pages

Accounting integrations
Pleo lists integrations including Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR. · pleo.io, 4 Oct 2026
API
Pleo provides a public developer API, while its legacy token API is deprecated and scheduled for retirement. · help.pleo.io, 21 Oct 2026
Budget limitation
Soft budgets track tagged spend but do not block transactions, while sub-accounts can decline cards when allocated funds run out. · help.pleo.io, 21 Oct 2026
Company cards
It issues physical, virtual, temporary and vendor cards with configurable limits and transaction monitoring. · crunchbase.com, 21 Oct 2026
Company founding
Pleo was founded in 2015 by Jeppe Rindom and Niccolo Perra. · crunchbase.com, 21 Oct 2026
Company history
Pleo says it was founded in Copenhagen in 2015 by Jeppe Rindom and Niccolo Perra. · pleo.io, 4 Oct 2026
Company legal name
The company is listed as Pleo Technologies ApS. · crunchbase.com, 21 Oct 2026
Company size
LinkedIn lists Pleo at 501–1,000 employees. · linkedin.com, 21 Oct 2026
Compliance
Pleo lists PCI-DSS, Google's Cloud Application Security Assessment, GDPR adherence and a Cloud Security Alliance CAIQ self-assessment. · pleo.io, 4 Oct 2026
Customer base
Pleo says more than 40,000 European businesses use the platform. · linkedin.com, 21 Oct 2026
Data location
Pleo says customer data is stored and processed in AWS data centers in Ireland (eu-west-1). · pleo.io, 4 Oct 2026
Data protection
Pleo says cardholder data is encrypted, stored in a PCI DSS level-1 EEA data centre and transmitted with 2048-bit SSL. · pleo.io, 21 Oct 2026
Documentation
Pleo maintains a searchable Help Centre covering setup, cards, expenses, accounting, cash management and troubleshooting. · help.pleo.io, 21 Oct 2026
Expense capture
Employees capture receipts in the mobile app and Pleo can automatically match emailed receipts through Fetch. · pleo.io, 21 Oct 2026
Expense tracking
Pleo provides real-time expense tracking and automated expense reports. · pleo.io, 4 Oct 2026
Features
Its offering includes company cards, expense management, reimbursements, cash management, accounts payable and multi-currency tools. · pleo.io, 4 Oct 2026
Founded
2015 · pleo.io, 28 Sept 2026
Headquarters
Pleo's headquarters are in Copenhagen, Denmark. · linkedin.com, 21 Oct 2026
Integrations
Published integrations include Xero, NetSuite, QuickBooks, SAP SuccessFactors, FreeAgent, Xledger, Twinfield and BambooHR. · pleo.io, 21 Oct 2026
Invoice automation
Pleo uses OCR for invoice capture and supports approval, scheduling, payment and reconciliation workflows. · pleo.io, 21 Oct 2026
Licence and hosting
Pleo is proprietary SaaS rather than an open-source or self-hosted product; its published third-party licence page lists open-source components used inside the service. · pleo.io, 21 Oct 2026
Limit: card acceptance
GetApp reviewers mention occasional card-acceptance problems and minor feature gaps. · getapp.com, 21 Oct 2026
Limit: integrations and reporting
TrustRadius reviewers identify integration breadth, reporting and analytics, multi-currency support and expense-rule automation as improvement areas. · trustradius.com, 21 Oct 2026
Limit: mobile expense clarity
A Google Play reviewer reports difficulty distinguishing card versus personal expenses, reimbursement state and transaction time zones. · play.google.com, 21 Oct 2026

Where Pleo stands on Freedom251

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