KashFlow vs Pleo Comparison
Compare KashFlow vs Pleo features, pricing, and more.
Last updated: November 2026
KashFlow
5.3/10
KashFlow is a UK cloud accounting package from IRIS for sole traders and small businesses. It covers invoicing, bank feeds, VAT filing, and basic payroll.
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 | 5.3/10 | 6.8/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 5/10 | 6/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 5/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 3/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 6/10 |
| Ease of Use | 6/10 | 9/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £14/mo Starter | £8/user/mo Start |
| Estimated cost for 10 users | £28/mo Business | £80/mo Start |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Expense Management | ||
| Multi-currency | ||
| 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 | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
KashFlow vs Pleo cost by team size
Pleo costs less at 1 user; KashFlow costs less from 5 users.
| Team size | KashFlow | Pleo |
|---|---|---|
| 1 user | £14/moStarter | £8/moStart |
| 5 users | £28/moBusiness | £40/moStart |
| 10 users | £28/moBusiness | £80/moStart |
| 25 users | £28/moBusiness | £200/moStart |
| 50 users | £28/moBusiness | £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 KashFlow
- Lower estimated cost for 10 users: £28/mo vs £80/mo
- 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 Customization score (6/10 vs 3/10)
- Better fit for mid-market (7/10 vs 2/10)
Pros & Cons
KashFlow
Pros
- Low entry price, with steep introductory discounts for new customers
- Payroll for up to five employees is included rather than sold separately
- VAT management and online submission are built into both plans
- Stock control and multi-currency are included even on the cheapest plan
- Accountants can use KashFlow Connect at no charge
Cons
- The Starter plan caps invoices at 10 and bank reconciliation at 25 transactions, and allows only one user
- Reviewers call it too basic for medium-sized businesses and difficult to customise
- Very low Trustpilot rating (1.4) and app store ratings, with complaints about customer service
- The API is SOAP-based, and some reviewers say it integrates less well than rivals
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 5.3/10 for KashFlow. The largest gap is in Customization: 3/10 for KashFlow and 6/10 for Pleo.
KashFlow costs less for 10 users: about £28/mo on its Business plan, against about £80/mo on its Start plan for Pleo, billed monthly.
No, neither KashFlow nor Pleo lists a free plan.
Pleo is the better fit for mid-market: we rate it 7/10 for them, against 2/10 for KashFlow.
KashFlow has General Ledger and Payroll, which Pleo lacks.
