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GoSolo vs 3S Money: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

GoSolo and 3S Money are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

GoSolo Homepage3S Money Homepage
 

GoSolo vs 3S Money Reviews

GoSolo3S Money
Trustpilot Review Rating 2.74.8
Number of Trustpilot Reviews72655
iPhone App Rating4.6No Rating
Number of iPhone App Reviews83No Reviews
Android App Rating3.6No Rating
Number of Android App Reviews58No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

GoSolo vs 3S Money Key Details

GoSolo3S Money
WebsiteClick Here to Visit GoSolo WebsiteClick Here to Visit 3S Money Website
Card TypeMastercardNo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?NoNo
Cashback Plans?NoNo
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoNo

GoSolo vs 3S Money Cost

GoSolo Pricing3S Money Pricing
GoSolo3S Money
Free Plan?YesNo
Free Trial?NoNo
Cheapest Plan Price Per MonthFree£244.78
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per Month£199.00Bespoke
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

GoSolo vs 3S Money Features

GoSolo Features3S Money Features

GoSolo Features

Business Account

  • GBP Business Account (Sort Code & Account Number)
  • Physical MasterCard Debit Card
  • Payments in and out in GBP
  • Multi Business – Add multiple companies
  • Multi User – Add users with read only access
  • 24/7 Access via Web & Mobile apps
  • Model Articles of Association
  • Model Shareholders Agreement
  • UK issued proof of personal address (Utility Bill, Bank Account Statement, Council Tax)

No Mid-Tier Plan

Not Applicable

All-Inclusive Package

  • GBP Business Account (Sort Code & Account Number)
  • Physical MasterCard Debit Card
  • Payments in and out in GBP
  • Multi Business – Add multiple companies
  • Multi User – Add users with read only access
  • 24/7 Access via Web & Mobile apps
  • Model Articles of Association
  • Model Shareholders Agreement
  • UK Registered Company Address (for official use)
  • UK Virtual office location – for trade and business post
  • Mail Scanning
  • Online portal to manage mail and address
  • Partner Perks and Offers worth over £ 20 000
  • Invoicing
  • 1 on 1 Personalised Advice
  • UK issued proof of personal address (Utility Bill, Bank Account Statement, Council Tax)

GoSolo Accounting Software Integrations

  • Xero

3S Money Features

Standard International

  • Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses

No Mid-Tier Plan

Not Applicable

Bespoke International

  • Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds

3S Money Accounting Software Integrations

  • Xero

GoSolo vs 3S Money Features Comparison

GoSolo3S Money
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsNoNo
Expense ReimbursementsNoNo
APINoYes
Access Controls/PermissionsYesNo
ReconciliationsNoNo
Approval Process ControlNoNo
Budget ControlNoNo
Expense CategorisationNoNo
Compliance ManagementNoYes
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsNoYes
Mileage TrackingNoNo
Mobile Receipt UploadNoNo
Real Time Notifications & ReportingYesYes
Receipt ManagementYesNo
Spend ControlYesNo
Travel Management NoNo

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