Billy vs Pleo Comparison
Compare Billy vs Pleo features, pricing, and more.
Last updated: November 2026
Billy
6.1/10
Danish online accounting software for sole traders and small businesses, covering bookkeeping, invoicing, bank reconciliation and VAT filing.
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.8/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 8/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 4/10 | 6/10 |
| Ease of Use | 7/10 | 9/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | DKK 160/mo Basic | £8/user/mo Start |
| Estimated cost for 10 users | Free Free | £80/mo Start |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Tax Compliance | Not listed | |
Billy vs Pleo cost by team size
| Team size | Billy | Pleo |
|---|---|---|
| 1 user | FreeFree | £8/moStart |
| 5 users | FreeFree | £40/moStart |
| 10 users | FreeFree | £80/moStart |
| 25 users | FreeFree | £200/moStart |
| 50 users | FreeFree | £400/moStart |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Billy
- Has a free plan (Pleo does not)
- Higher Support score (8/10 vs 5/10)
- Higher Cost score (8/10 vs 6/10)
- Includes General Ledger, which Pleo lacks
- Includes Payroll, which Pleo lacks
Why choose Pleo
- Higher Scalability score (6/10 vs 3/10)
- Higher Analytics score (6/10 vs 4/10)
Pros & Cons
Billy
Pros
- The free plan includes full bookkeeping and VAT filing, which suits very small businesses.
- Phone, email and chat support runs every day from 7:00 to 22:00, and Trustpilot reviewers often praise it.
- Bank reconciliation works through a bank connection or a CSV upload on every plan.
- Expense data from Pleo goes straight into Billy journals, with VAT codes kept.
Cons
- The free plan is capped at 3 invoices and 10 expense vouchers a month.
- Integrations, reminders, quotes, subscription invoicing and payroll need Plus or higher.
- It is built for Danish compliance, and some guidance is only in Danish.
- Some users report duplicate accounts after reconnecting their bank.
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.1/10 for Billy. The largest gap is in Scalability: 3/10 for Billy and 6/10 for Pleo.
Billy has a free plan; Pleo does not list one.
Billy has General Ledger and Payroll, which Pleo lacks.
