Pleo pricing 2026: plans and costs
Quick pricing summary
- Build: $14 user / month, billed yearly, 3 users minimum
- Optimise: $18 user / month, billed yearly, 3 users minimum
- Worth noting: Prices billed yearly. Reimbursement-only users priced separately (not stated). Page references Start plan and Enterprise segment but no public prices given.
Plans
Build
$14 user / month, billed yearly, 3 users minimum
- All Start features
- Reimbursements
- Mileage
- AI-powered spend guidelines
- Flexible card limits
- Approval workflows
- Recurring vendor tracking
- Cash management (for eligible customers)
Optimise
$18 user / month, billed yearly, 3 users minimum
- All Build features
- Cashback (for eligible customers)
- Budgets
- HRIS integrations
- AI-powered expense review
- Spending insights
- Advanced vendor management
What you get on each plan
| Feature | Build | Optimise |
|---|---|---|
| Minimum users | 3 | 3 |
| Physical and virtual Pleo cards | ✓ | ✓ |
| ATM withdrawals | Free | Free |
| Cashback (for eligible customers) | — | ✓ |
| Direct reimbursements | 0.90% | 0.90% |
| Mileage | ✓ | ✓ |
| Approval workflows | ✓ | ✓ |
| AI spend guidelines | ✓ | ✓ |
| Budgets | — | ✓ |
| AI expense reviews | — | 100 included per month |
| Advanced vendor insights | — | ✓ |
| Renewal management | — | ✓ |
| Spending insights | — | ✓ |
| Transfer rules | 3 | 5 |
| Auto-VAT split | — | ✓ |
| Accounting integrations | ✓ | ✓ |
| HRIS integrations | — | ✓ |
| MCP | — | ✓ |
| SAML SSO | ✓ | ✓ |
| Email support | ✓ | ✓ |
| Live chat support | — | ✓ |
| Card payments: foreign exchange fee | 1.75% | 1.49% |
| Invoice payments: foreign exchange fee | 1.75% | 1.49% |
Pleo pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Pleo | $14 per seat / mo | No | Per seat | — | |
| Ramp | Free; paid from $15 per seat / mo | Yes | Per seat | Startups and global enterprises alike; the free plan suits smaller teams that want to simplify finances. | Compare → |
| Expensify | — | — | — | Individuals organizing their own expenses, and businesses managing expenses for teams of any size | Compare → |
| BILL Spend & Expense | Free; paid from $49 per seat / mo | Yes | Per seat | Small and midsize businesses that want company cards, budgets and expense control without a per-user software fee. | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
List prices as published on www.pleo.io/us/pricing. Totals are worked examples, not quotes.