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Pleo vs Card One Money: Which Is The Better Company Expense Card?


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

Pleo and Card One 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.

Pleo HomepageCard One Money Homepage
 

Pleo vs Card One Money Reviews

PleoCard One Money
Trustpilot Review Rating 3.84.6
Number of Trustpilot Reviews523749
iPhone App Rating3.12.7
Number of iPhone App Reviews7460
Android App Rating3.43.8
Number of Android App Reviews336194
Note these figures we’re taken from each company’s website and may have changed since publication

Pleo vs Card One Money Key Details

PleoCard One Money
WebsiteClick Here to Visit Pleo WebsiteClick Here to Visit Card One Money Website
Card TypeMastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesNo
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesNo

Pleo vs Card One Money Cost

Pleo PricingCard One Money Pricing
PleoCard One Money
Free Plan?NoNo
Free Trial?YesNo
Cheapest Plan Price Per Month£39.00£12.50
Mid Plan Price Per Month£45.00Not Applicable
Top Plan Price Per Month£89.00Custom pricing
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Pleo vs Card One Money Features

Pleo FeaturesCard One Money Features

Pleo Features

Starter

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay

Essential

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay
  • 0.5 % cashback (for eligible customers)
  • Spending limits per user or purchase
  • Spend analytics dashboard
  • Review spend per team
  • Reimburse employees with or without Pleo cards
  • Reimburse cash expenses and mileage
  • Track subscriptions and other recurring payments
  • Live chat support

Advanced

  • Pleo employee cards (plastic/virtual)
  • Real-time expense tracking
  • Automated expense reports
  • Manage & pay invoices
  • Xero and more accounting system integrations
  • Apple Pay & Google Pay
  • 1 % cashback (for eligible customers)
  • Spending limits per user or purchase
  • Spend analytics dashboard
  • Review spend per team
  • Reimburse employees with or without Pleo cards
  • Reimburse cash expenses and mileage
  • Track subscriptions and other recurring payments
  • Live chat support
  • Control recurring payments with Vendor cards
  • Open API access
  • Single sign-on with SAML
  • Chat, email and phone support
  • Assisted onboarding session
  • Dedicated Customer Success Manager

Pleo Accounting Software Integrations

  • Xero
  • QuickBooks
  • Sage

Card One Money Features

Business

  • No credit checks
  • Four additional cards for business use
  • Online and mobile account with 24/7 access
  • Manage Direct Debits and standing orders
  • Instant domestic payments
  • Manage and pay bills, invoices, wages and more
  • International payments in a range of currencies
  • Full control over permissions, balances and cards
  • Export statements for your accounting software
  • Receive free text alerts whenever bills are paid
  • Load cards directly online or through the app
  • View statements and monitor business spending
  • Use fast balance to quickly check your account
  • Pay cheques in at any Barclays branch

No Mid-Tier Plan

Not Applicable

Corporate

  • No credit checks
  • Four additional cards for business use
  • Online and mobile account with 24/7 access
  • Manage Direct Debits and standing orders
  • Instant domestic payments
  • Manage and pay bills, invoices, wages and more
  • International payments in a range of currencies
  • Full control over permissions, balances and cards
  • Export statements for your accounting software
  • Receive free text alerts whenever bills are paid
  • Load cards directly online or through the app
  • View statements and monitor business spending
  • Use fast balance to quickly check your account
  • Pay cheques in at any Barclays branch
  • Prepaid cards that can pull from your balance
  • Your own dedicated account manager
  • Send payments in bulk
  • Set up multi-level approvals for payments
  • Open banking API integration
  • Multi-account view for all your brands

Card One Money Accounting Software Integrations

  • Wave
  • Xero
  • Sage
  • FreeAgent

Pleo vs Card One Money Features Comparison

PleoCard One Money
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsYesNo
Expense ReimbursementsYesNo
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsNoNo
Approval Process ControlYesYes
Budget ControlYesNo
Expense CategorisationYesNo
Compliance ManagementYesNo
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesNo
Mobile Receipt UploadYesNo
Real Time Notifications & ReportingYesNo
Receipt ManagementYesNo
Spend ControlYesYes
Travel Management YesNo

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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