Pleo Credit Card Review (UK 2025)

UK businesses need simple ways to manage their business spending, expense management and reconciliation processes. Looking for the perfect provider for your expense management? You may have heard of the Pleo card and want to know if it’s a Pleo credit card or a debit card option, and how it works.

This guide to Pleo cards covers all you need to know, including a roundup of Pleo reviews and a look at the Pleo account options and costs.

Looking for a business debit card which lets you spend globally with no foreign transaction fee? With a Wise Business account you can hold 40+ currencies and order a Wise Business debit card and Employee expenses cards for spending in 150+ countries, with no foreign transaction fee to pay.

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What is Pleo and how does it work?

Pleo was founded in Denmark in 2015, with an aim to make it easier for businesses to manage the expense process end to end. Today, Pleo is used by 37,000+ businesses and offers a range of services including expense management and reimbursement tools, ways to manage invoices, and the Pleo card to help with controlling and facilitating employee business spending.

This guide covers the key points, including whether Pleo offers a debit card or a credit card, the cost for cards and spending, and how to sign up.

Is Pleo a safe provider?

Yes. Pleo is considered to be a safe provider.

Pleo monitors all transactions for fraud and will freeze your card if there are any suspicious transactions. You will receive a push notification and can then review the transaction, and unfreeze your card once you're satisfied all is well.

Is Pleo a credit card?

The Pleo card is not a credit card. Instead Pleo offers physical and virtual debit and expense cards which draw funds from your linked Pleo account. You will need to add money to your Pleo account before you can spend.

Pleo cards review

In this Pleo cards review we will consider the features, limits, fees and customer service you can get from the provider, so you can decide if it’s the right one for you.

You can also get more Pleo card reviews from Trustpilot¹, where live customer feedback is aggregated to show an average score. At the time of research, Pleo scores 4.3 out of 5 stars on Trustpilot, for an Excellent score. There are over 1,000 reviews live - and you’ll be able to watch out as more are posted to get a more detailed and up to date view of the service Pleo offers.

Pleo cards key features

Pleo cards have lots of handy features built in - here are a few of the great options you may want to use²:

• Cards are issued on the Mastercard network which is globally available
• Physical and virtual cards available - get your first 2 Pleo cards for free
• Create, freeze or cancel cards instantly through the dashboard
• Set individual spend limits, and manage with built-in controls
• Earn variable cash back on spending depending on the account plan you pick
• Make expenses easier for employees with automated receipt capture
• Real time visibility of all company spend to manage cash flow and controls
• Get a Vendor card that can only be used with one or a group of vendors your select

It’s worth knowing that Pleo offers several different plans, which dictate some of the features you’ll get. All plans have card options, but some other features are limited to higher tier plans. Here’s a quick rundown to help you see what’s on offer³:

*Details correct at time of research - 21st March 2025

Pleo cost and fees

Pleo has several different account plans which each offer their own features and fees. We will cover the key services with each plan and some of the costs involved in this guide - but it’s worth knowing that plans have a pretty broad range of features, either inclusive or for an additional fee. To get a full picture you’ll want to scan the options on the Pleo website - here’s an overview to get you started⁴:

*Details correct at time of research - 21st March 2025

While many of the fees here depend on usage, it’s still worth considering them very carefully to make sure you pick the right package. If you transact in foreign currencies frequently, the foreign exchange fee - applied to card spending and invoices - is very important. This can push up your costs a lot if you deal frequently with overseas customers or suppliers.

If that’s the case you may want to also add in a Wise business debit card, to allow you to spend conveniently in a range of currencies, with no foreign transaction fee to pay, and to receive foreign currency payments conveniently and with low or no fees.

Get started with Wise Business 🚀

Pleo card limits

The Pleo card is a debit card. This means that before you can spend you’ll need to add money to your account.

Once you have an active account you’ll be able to view your limits within the Pleo dashboard. Limits are set according to the individual type of transaction and based on factors like account usage. They aren’t blanket limits, so if you need to change the limits on your account, you may want to reach out to Pleo customer service to discuss if this is possible for your specific account.

Pleo customer support

Pleo Starter and Essential customers can reach customer service by email and chat. Advanced and Beyond customers can also use the Pleo phone service, and the Beyond package comes with concierge support, assisted onboarding and your own customer success manager.

If you’re a Pleo Starter and Essential customer, reach Pleo in the following ways:

• Open an in app chat to be referred to the right team for your needs
• Send an email using the form on the Pleo website
• Email help.pleo.io

Advanced and Beyond customers will be notified of the phone number to call for advanced support when signing up.

How to apply for a Pleo card?

To apply for a Pleo card you’ll need to first register a Pleo account. You can start this process on the Pleo website, and you may need to talk to the sales team to get more information about your account options. Head over to the Pleo desktop site and tap Get Started to learn more about how to apply.

Pleo offers some neat end to end solutions for managing your UK business’ expense management processes. The Pleo card is an important part of this, with ways to set and manage employee controls, and automate the expense reconciliation process. However, it’s worth bearing in mind that you may need to pay a monthly fee for Pleo, and you’ll also have to pay a foreign transaction fee every time currency conversion is needed on your account.

Wise Business expense cards: international expenses made easy

If your business operates internationally and your employees are regularly spending time abroad for work, Wise Business expense cards could be the ideal solution.

These contactless international debit cards work for spending and cash withdrawals in 150+ countries worldwide, with no foreign transaction fees or subscription fees.

Whenever someone spends or withdraws cash overseas, the currency is converted at the mid-market exchange rate, with just a small conversion fee to pay.

There’s also 0.5% cashback paid on all eligible spending.

Once you have a Wise Business account, you can order unlimited expense cards for just a one-off fee of £3 a card. You can add employees to your account, with controlled access - and you get full control over spending their limits.

What’s more, it’s easy to integrate Wise with your accounting tools, and your accountant can view team spending for smarter collaboration.

Get started with Wise Business 🚀

Sources used in this article:

Sources last checked March 21, 2025