Soldo

Family office COOs managing multi-entity structures know the cost of decentralised spending: finance teams chasing receipts, month-end reconciliation consuming days, and employees buying first and asking permission later. Soldo addresses this by combining prepaid and debit Mastercard cards with a spend management platform that enforces policy before a transaction occurs, not after. Spend limits, approval workflows, and category rules are configured per card, user, team, or project, so the control mechanism is built into the payment instrument itself.

For a family office operations team overseeing multiple cost centres, principals, and staff, the practical benefits include:

• Real-time transaction visibility across all cards and teams from a single dashboard
• Automated receipt capture and transaction categorisation to reduce manual data entry
• Budget allocation with ring-fenced funds per team or project, preventing overspend
• Accounting integrations with ERP and bookkeeping systems to accelerate month-end close
• Approval workflows that route fund requests through configurable chains before spend occurs

Soldo operates across 31 European countries and serves more than 25,000 businesses. It is authorised as an Electronic Money Institution by the Financial Conduct Authority in the UK, and its Irish entity is regulated by the Central Bank of Ireland. The platform holds ISO 27001 and PCI DSS certifications. A Forrester study commissioned by Soldo cited 358% ROI and 80% time savings on expense processing, though these figures reflect a broad customer base rather than family office deployments specifically. Soldo does not publish pricing on its site, and the product is not purpose-built for family offices or investment management workflows. Buyers whose primary need is investment reporting or portfolio oversight will find this a poor fit. For family offices seeking tighter control over operational and staff expenditure, it offers a concrete alternative to corporate credit cards and manual expense processes.

• Controlling and enforcing company spend policies before transactions occur
• Issuing prepaid, debit, and virtual cards to staff and teams with pre-set limits
• Automating expense capture, categorisation, and receipt matching
• Managing budgets across teams, projects, and entities in real time
• Integrating spend data with accounting and ERP systems for month-end close
• Routing fund requests through configurable approval workflows

• Prepaid, debit, virtual, and fuel Mastercard cards with per-card spend rules
• Real-time spend tracking and transaction alerts
• Configurable approval workflows and fund request routing
• Ring-fenced budget allocation per team, project, or entity
• Automated receipt capture and transaction categorisation
• Accounting automation with ERP and bookkeeping integrations
• Reporting and analytics dashboard
• Mobile app for expense capture and fund requests
• Bank transfer access with controlled delegation
• Custom reporting and bespoke integrations via professional services

Built for Finance / Accounting Teams, Single Family Office (SFO), Multi Family Office (MFO).

Help centre, documentation, API developer references, contact form. Dedicated professional services for custom setup and integrations.

Account setup described as possible within days. Custom onboarding and configuration support available via professional services.