Indy vs Pleo Comparison
Compare Indy vs Pleo features, pricing, and more.
Last updated: November 2026
Indy
6.2/10
French accounting app with a free business account, invoicing, and automated tax filings for freelancers, sole traders, small companies, and property holders.
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 | 6.2/10 | 6.8/10 |
| Analytics | 5/10 | 6/10 |
| Compliance | 8/10 | 7/10 |
| Cost | 9/10 | 6/10 |
| Customization | 4/10 | 6/10 |
| Ease of Use | 8/10 | 9/10 |
| Integration | 3/10 | 7/10 |
| Scalability | 3/10 | 6/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €59/mo Autonomie (SAS, SASU, SARL, EURL) | £8/user/mo Start |
| Estimated cost for 10 users | Free Essentiel | £80/mo Start |
| Features | ||
| General Ledger | ||
| Corporate Cards | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | ||
| Tax Compliance | Not listed | |
Indy vs Pleo cost by team size
| Team size | Indy | Pleo |
|---|---|---|
| 1 user | FreeEssentiel | £8/moStart |
| 5 users | FreeEssentiel | £40/moStart |
| 10 users | FreeEssentiel | £80/moStart |
| 25 users | FreeEssentiel | £200/moStart |
| 50 users | FreeEssentiel | £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 Indy
- Has a free plan (Pleo does not)
- Higher Cost score (9/10 vs 6/10)
- Higher Support score (7/10 vs 5/10)
- Includes General Ledger, which Pleo lacks
Why choose Pleo
- Higher Integration score (7/10 vs 3/10)
- Higher Scalability score (6/10 vs 3/10)
- Better fit for enterprise (4/10 vs 1/10)
- Better fit for small business (9/10 vs 7/10)
Pros & Cons
Indy
Pros
- The free plan includes unlimited invoicing, e-invoicing, bank sync, and a business account with a card.
- It pre-fills and e-files French tax returns such as VAT, 2035, CFE, and the liasse fiscale.
- Higher tiers add chartered accountant review, so you can upgrade without changing tools.
- It is rated 4.8 out of 5 on Trustpilot from more than 7,000 reviews, according to Legalstart.
Cons
- It does not run payroll or manage employees.
- It has very few third-party integrations.
- Lower tiers have no phone support; phone access starts with Sérénité.
- It is limited to French legal statuses, and complex bookkeeping such as fixed assets or provisions is poorly handled.
- The business account accepts no cash or cheque deposits.
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 6.2/10 for Indy. The largest gap is in Integration: 3/10 for Indy and 7/10 for Pleo.
Indy has a free plan; Pleo does not list one.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 1/10 for Indy.
Indy has General Ledger, which Pleo lacks.
