Pleo Pricing (2026)

Per-seat pricing on company cards and spend management, with three progressively pricier tiers ($8, $14, $18 per user/month) that gate features rather than usage volume — so the value metric is really 'how much control and automation do you need per employee holding a card,' not transaction count.

From $8/mo 3 plans per-seat Free trial Best Pleo alternatives → Pleo's competitors →
Start
$8/mo per seat
Build
$14/mo per seat
Optimise Popular
$18/mo per seat
Verified Sep 20, 2026 Official pricing page
Screenshot of Pleo's pricing page showing its plans and prices
Their pricing page, captured Sep 20, 2026

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Start

$8/mo per seat
  • Physical and virtual cards
  • Accounts payable
  • Real-time expense tracking
  • Automated expense reports
  • Accounting system integrations
  • Email support
  • 1 vendor card
  • Credit limit up to £5,000*

Build

$14/mo per seat $12/mo per seat annual
  • Reimbursements
  • Mileage
  • AI-powered spend guidelines
  • Flexible card limits
  • Up to 15 vendor cards
  • Approval workflows
  • Recurring vendor tracking
  • Cash management
  • Credit limit up to £20,000*

Optimise

Popular
$18/mo per seat $16/mo per seat annual
  • Cashback*
  • Up to 50 vendor cards
  • Budgets
  • HRIS integrations
  • AI-powered expense review
  • Spending insights
  • Advanced vendor management
  • Credit limit up to £100,000*

Does Pleo have a free plan?

No. There's no free-forever plan. There is a free trial, and paid plans start at $8/mo.

Want free? Brex, Airwallex, and Expensify have free plans: see all Pleo alternatives →

AI Pricing Analysis

Pricing Model

Per-seat pricing on company cards and spend management, with three progressively pricier tiers ($8, $14, $18 per user/month) that gate features rather than usage volume — so the value metric is really 'how much control and automation do you need per employee holding a card,' not transaction count.

Tier Strategy

Start is built for small teams just wanting to replace expense reports with company cards; Build targets growing companies that need approval workflows and better accounting sync; Optimise is aimed at finance teams wanting deeper controls like credit limits and advanced reporting. The upgrade trigger is usually organizational complexity — once you need multi-step approvals or tighter spend controls across departments, Start stops cutting it.

Competitive Positioning

Pleo sits in the low-to-mid range for spend management platforms, undercutting heavier enterprise players like Airbase or Ramp's more built-out tiers while still charging per seat, which can sting for larger headcounts. They're clearly chasing SMBs and mid-market finance teams who want card control without enterprise complexity or enterprise pricing.

Growth Lever

The real expansion lever is seat count combined with feature-gating — credit limits and more sophisticated controls are reserved for 'eligible customers' on higher tiers, nudging finance-conscious teams upward as they scale. Annual billing appears to be an underused lever here too, since the discount option isn't prominently surfaced despite being technically available.

Want the strategist's read on the live page? Read the AI teardown of Pleo's pricing page →

Pleo Pricing FAQ

How much does Pleo cost?
Paid plans start at $8/mo, going up to $18/mo for larger teams.
Is there a free plan?
No free plan. But there is a free trial, so you can test it out before paying.
Can I try it before paying?
Yes — there's a free trial.
How does the pricing work?
Per-seat pricing on company cards and spend management, with three progressively pricier tiers ($8, $14, $18 per user/month) that gate features rather than usage volume — so the value metric is really 'how much control and automation do you need per employee holding a card,' not transaction count.
Is there a discount for annual billing?
Yes — you save up to 14% if you pay annually instead of month-to-month.
Which plan makes sense for me?
Start is built for small teams just wanting to replace expense reports with company cards; Build targets growing companies that need approval workflows and better accounting sync; Optimise is aimed at finance teams wanting deeper controls like credit limits and advanced reporting. The upgrade trigger is usually organizational complexity — once you need multi-step approvals or tighter spend controls across departments, Start stops cutting it.

More Finance pricing

All Finance pricing →

Comparing Pleo to something specific? Try Pleo vs Bill.com, Pleo vs Brex, or Pleo vs ChartMogul. Or see the best Pleo alternatives, ranked.

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