Compare
Side by side from each provider's own published terms: who can apply, what it costs, the accounts and cards, and how your money is held. Nobody pays to be listed, and Finzil doesn't rate providers.
Equals Money
Payment institution · UK business account
UK business account with a multi-currency IBAN in 37 currencies, payments out in 60, and Mastercard expense cards with spending controls.
Soldo
E-money institution · UK and EEA spending account
Prepaid Mastercard company cards and spend controls for organisations in the UK and Europe, on an e-money account in GBP, EUR and USD, with budgets, rules and expense reporting.
From the two provider profiles on Finzil, latest check 13 October 2026: each provider's own website, price list and terms.
The short answer
Side by side
A gap means the provider doesn't publish it; ask before you apply.
| The basics | Equals Money | Soldo |
|---|---|---|
| Account | UK business account | UK and EEA spending account |
| Provider type | Payment institution | E-money institution |
| Licence | Payment institution in the UK | E-money institution in the UK; also licensed in Ireland |
| Licensed company | Equals Money PLC | Soldo Financial Services Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Who can apply | Equals Money | Soldo |
|---|---|---|
| Where the company is registered | Not published | 31 countries |
| Legal forms | Companies, Sole traders and freelancers, Charities | Registered organisations |
| What it costs | Equals Money | Soldo |
|---|---|---|
| Monthly fee | Not published | from £21 |
| Plans | Business account: custom | Standard: £21 a month; Plus: £33 a month; Unlimited: custom |
| SEPA transfer out | Not published | €0.75 |
| Faster Payments out | Not published | £0.75 |
| SWIFT transfer out | Not published | £20 |
| Physical card | £10 | £5 |
| Card spending abroad | 0–1.5% | 1.5% |
| Accounts and payments | Equals Money | Soldo |
|---|---|---|
| Currencies | 37 | 3 |
| Local account details | Multi-currency IBAN | Account details in GBP and EUR |
| Payment networks | SEPA, Faster Payments, SWIFT | SEPA, SEPA Instant, Faster Payments, SWIFT |
| Cards | Virtual and physical Mastercard | Virtual and physical Mastercard |
| Opening and safety | Equals Money | Soldo |
|---|---|---|
| Opening time | 3–5 days | 3–5 days |
| Open remotely | Yes | Yes |
| How money is held | Segregated accounts | Segregated accounts |
| TrustpilotThird-party score, shown for reference. Finzil doesn't rank providers by it. | 4.5 from 444 reviews | 4.6 from 1,951 reviews |
From the profiles
Strong points
Watch out for
Strong points
Watch out for
Our view
Finzil's own opinion, kept apart from the facts above.
Equals Money works well for UK businesses that want one multi-currency IBAN and controlled expense cards for a team, and it takes sectors such as iGaming and digital assets seriously. Account and FX prices are quoted, not published, so get them in writing before you commit. It is a UK-centred product; companies from elsewhere should check eligibility first.
Soldo is a mature, well-liked tool for controlling company spending, strong where many people need cards with firm rules, such as care groups, schools and construction. It charges for almost everything in small amounts, a monthly fee, each card, each payment, so price it against Pleo for your team size. It is a spending account, not a replacement for your main bank.
It depends on how you use the account. Monthly fee: Equals Money not published, Soldo from £21. Currency exchange: Equals Money not published, Soldo not published. Transfers and cards are priced line by line in the table on this page, from each provider's own price list.
Neither is a bank. Equals Money is a payment institution, licensed in the UK. Soldo is an e-money institution, licensed in the UK. Equals Money: segregated accounts. Soldo: segregated accounts.
Equals Money: not published as a list. Soldo: 31 countries. Each provider's profile on Finzil lists the countries in full.
Keep comparing
We read the funding rules of eight spend management platforms. Five accept money only from your own company's account and send anything else back. Wallester's contract says the same, though its sales page doesn't, and two platforms publish no rule.
Read articleEbury combines multi-currency accounts, hedging and an account manager, with no published exchange margin. The best alternative for each part of that job, from forwards to published FX prices, on providers' own October 2026 terms.
Read articleWe compared 12 multi-currency business accounts on what they publish: exchange fees, local account details, plan costs and who they accept. The best one for each need, and what £20,000 a month costs to convert on each.
Read articleOne Finzil profile
The usual route is to apply to each provider you find, then spend weeks going back and forth with its compliance team. Tell Finzil about your business once and start with the providers likely to say yes.
Describe your business once
Country, industry, owners and what you need. One profile, saved, instead of a new form for every provider.
See who fits, and why
Your matches, each with the reason behind it, so you know who would turn you down before you apply.
Use the same profile to applyComing soon
Send it to the providers you choose, without starting from scratch each time.
How this page is built: every row comes from the two provider profiles on Finzil, which are taken from each provider's own website, price list and terms (latest check 13 October 2026). Prices and rules change; check them with the provider before you apply. Meeting a provider's published rules does not mean it will approve a particular application. General information, not legal or financial advice.
