Bokio vs Pleo Comparison
Compare Bokio vs Pleo features, pricing, and more.
Last updated: November 2026
Bokio
5.6/10
Swedish cloud accounting service for sole traders and small limited companies, covering bookkeeping, invoicing, payroll, VAT reporting and an integrated business account.
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 | 5.6/10 | 6.8/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 5/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 5/10 | 6/10 |
| Customization | 4/10 | 6/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | SEK 319/mo Basic | £8/user/mo Start |
| Estimated cost for 10 users | SEK 319/mo Basic | £80/mo Start |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Expense Management | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Tax Compliance | Not listed | |
Bokio vs Pleo cost by team size
| Team size | Bokio | Pleo |
|---|---|---|
| 1 user | SEK 319/moBasic | £8/moStart |
| 5 users | SEK 319/moBasic | £40/moStart |
| 10 users | SEK 319/moBasic | £80/moStart |
| 25 users | SEK 319/moBasic | £200/moStart |
| 50 users | SEK 319/moBasic | £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 Bokio
- 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)
- Better fit for enterprise (4/10 vs 2/10)
Pros & Cons
Bokio
Pros
- Bank connection suggests entries and matches incoming payments automatically, which cuts manual bookkeeping for small firms.
- VAT is calculated from the books and the VAT report is generated for Skatteverket, with a choice of monthly, quarterly, or yearly periods.
- Accounting consultants invited via Bokio Byrå count as free users.
- A forum user reports a smooth connection to årsredovisningonline for annual reports.
- Bookkeeping, invoicing, payroll, and a business account with a card come from a single vendor.
Cons
- The free plan was removed in September 2023 at short notice, which angered long-time users.
- Users and a Capterra reviewer call it expensive, at roughly 500 SEK per month with two employees.
- Many functions are paid extras, including extra users, Swish, e-invoices, advanced payroll, and the annual report.
- A forum user reports, secondhand and unverified, that payroll reporting cannot handle parental leave or VAB.
- It is focused on Sweden and suits only small businesses.
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 5.6/10 for Bokio. The largest gap is in Scalability: 3/10 for Bokio and 6/10 for Pleo.
No, neither Bokio nor Pleo lists a free plan.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 2/10 for Bokio.
Bokio has General Ledger and Payroll, which Pleo lacks.
