N26 Business vs Pleo Comparison
Compare N26 Business vs Pleo features, pricing, and more.
Last updated: November 2026
N26 Business
5.2/10
A mobile-first euro business bank account from Berlin-based N26 for freelancers and sole traders in supported EU countries, with debit cards, cashback and budgeting Spaces.
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 | 5.2/10 | 6.8/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 5/10 | 7/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 6/10 |
| Ease of Use | 8/10 | 9/10 |
| Integration | 3/10 | 7/10 |
| Scalability | 2/10 | 6/10 |
| Security | 6/10 | 7/10 |
| Support | 4/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €5/mo Business Smart | £8/user/mo Start |
| Estimated cost for 10 users | Free Business Standard | £80/mo Start |
| Features | ||
| Multi-currency | ||
| Budgeting and Forecasting | ||
| Corporate Cards | ||
| Accounts Payable | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Payroll | Not listed | |
N26 Business vs Pleo cost by team size
| Team size | N26 Business | Pleo |
|---|---|---|
| 1 user | FreeBusiness Standard | £8/moStart |
| 5 users | FreeBusiness Standard | £40/moStart |
| 10 users | FreeBusiness Standard | £80/moStart |
| 25 users | FreeBusiness Standard | £200/moStart |
| 50 users | FreeBusiness Standard | £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 N26 Business
- Has a free plan (Pleo does not)
- Higher Cost score (8/10 vs 6/10)
Why choose Pleo
- Higher Integration score (7/10 vs 3/10)
- Higher Scalability score (6/10 vs 2/10)
- Better fit for small business (9/10 vs 4/10)
- Better fit for enterprise (4/10 vs 1/10)
- Includes Multi-currency, which N26 Business lacks
Pros & Cons
N26 Business
Pros
- The Standard plan has no monthly fee and includes a virtual card plus 0.1% cashback.
- Card payments in foreign currencies carry no surcharge on any plan.
- Spaces sub-accounts and budgeting rules help freelancers set aside money for tax.
- Metal pays 0.5% cashback and includes purchase and phone insurance.
Cons
- There is no invoicing, no native DATEV link, and no HBCI or EBICS support.
- The account holds euros only and has no foreign-currency transfers in the app.
- Companies such as GmbH or UG cannot open an account, and the company name cannot appear on the account or card.
- Basic-plan customers get no phone support, and Trustpilot users report account freezes and rejected applications.
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 5.2/10 for N26 Business. The largest gap is in Integration: 3/10 for N26 Business and 7/10 for Pleo.
N26 Business has a free plan; Pleo does not list one.
Pleo is the better fit for small business: we rate it 9/10 for them, against 4/10 for N26 Business.
Pleo has Multi-currency, which N26 Business lacks.
