Found and Soldo both handle business money movement but serve very different businesses: Found is a US-focused, freemium banking app built for the…
Best for Found: US-based solo founders, freelancers, or self-employed individuals who want a free Core plan ($0/month) checking account bundled with automatic bookkeeping, tax write-off tracking, and unlimited contractor payments with free 1099-NEC generation.
Best for Soldo: UK or European teams of three or more that need company cards with proactive spend limits and approval workflows, multi-entity wallet hierarchies, and FCA-regulated custody of funds, starting at £21/month + VAT.
At a Glance
Found
Soldo
Primary category
Payments
Payments
Rating
Not documented
Not documented
Pricing model
Freemium (free core account with optional paid tiers)
subscription
Starting price
Free (paid tiers from $35/month)
£21/month
Free plan
Yes
Not documented
Free trial
Yes
Yes
Platforms
Web, iOS, Android
Web
Team collaboration
Not documented
Not documented
AI features
Yes
Not documented
Public API
Not documented
Not documented
Key Differences
Target Geography
Found: Found is US business banking, with services provided through Lead Bank.
Soldo: Soldo is UK-based, an FCA-regulated Electronic Money Institution serving 25,000+ businesses across 31 European countries.
Banking regulation and currency handling differ by region, so the right tool depends on where the business is incorporated.
Pricing Model
Found: Found is freemium: Core is free ($0/month), Found Plus is $35/month, and Found Pro is $80/month.
Soldo: Soldo is paid from the start: Standard is £21/month + VAT (capped at 3 users/3 cards), Plus is £33/month + VAT.
The cost of entry differs sharply between a free-forever plan and a paid-from-day-one model.
Built-in Bookkeeping & Tax
Found: Found includes automatic bookkeeping, tax write-off tracking, tax estimates, and 1099-NEC generation in its core product.
Soldo: No bookkeeping or tax-estimate feature is documented for Soldo, which instead integrates with external accounting software.
Handling tax prep in-app versus exporting to an accountant is a meaningful workflow difference.
Contractor Payments
Found: Found offers unlimited contractor payments with no per-contractor fees and automatic W-9 collection.
Soldo: No contractor-payment feature is documented for Soldo.
Businesses paying many contractors need this built into their banking tool.
Team Size & Card Limits
Found: Found offers team cards for up to 10 physical and 20 virtual cards with spend controls, built around a single self-employed user's business.
Soldo: Soldo's Standard plan explicitly caps at 3 users/3 cards, with role-based multi-entity hierarchy available on higher tiers.
Growing teams need entity-level card structures that a single-owner banking app isn't built for.
Feature-by-Feature
Banking & Fees
Feature
Found
Soldo
Free plan available
Available
Unavailable
Monthly account fee on entry tier
Unavailable
Available
Regulatory coverage disclosed
Available
Available
Free trial
Not documented
Available
Bookkeeping, Tax & Contractors
Feature
Found
Soldo
Automatic bookkeeping
Available
Unavailable
Tax estimates & write-off tracking
Available
Unavailable
1099-NEC generation
Available
Unavailable
Unlimited contractor payments
Available
Unavailable
Cards & Spend Control
Feature
Found
Soldo
Physical & virtual cards
Available
Available
Named team card limits
Available
Not documented
Proactive spend limits & approvals
Available
Available
Multi-entity / wallet hierarchy
Not documented
Available
Accounting software integrations
Not documented
Available
Pricing Compared
Starting price reflects the lowest paid tier, not the full cost for every team size or usage level.
Found
Found (Free) — $0/month No commitment
Found Plus — $35/month or $315/year Monthly or annual (25% savings annually)
Found Pro — $80/month or $720/year Monthly or annual (25% savings annually)
Free core plan includes real bookkeeping, tax estimation, and unlimited invoicing with no monthly fee
Built-in contractor payments with 1099-NEC filing removes the need for a separate payroll tool
AI-powered Found Assistant embeds account support and task automation directly into the app
Backed by well-known investors including Sequoia Capital, Founders Fund, and Lightspeed Venture Partners
Cons
Highest interest rates and cash back are locked behind the paid Plus and Pro subscription tiers
Customer support leans more on email and self-service tools compared to some competitors' live support
As a fintech rather than a chartered bank, deposits rely on third-party partner-bank relationships
No physical branch network, which may not suit business owners who prefer in-person banking
Soldo
Pros
Combines company cards and expense software into a single platform, reducing manual expense reports
Granular spending controls help prevent budget overruns before transactions happen
Multi-currency support and OCR receipt capture are useful for international or high-volume spending teams
Backed by significant funding and an established presence in the UK and European markets
30-day free trial available on the Standard and Plus plans
Cons
Pricing is per plan plus per-card issuance fees, which can add up for larger card fleets
Unlimited plan requires a sales demo rather than transparent self-serve pricing
Primarily focused on the UK and European markets, which may limit fit for US-only companies
Some advanced integrations like SAP Concur are limited to the top-tier plan
Use Cases
Choose Found: US-based solo founders, freelancers, or self-employed individuals who want a free Core plan ($0/month) checking account bundled with automatic bookkeeping, tax write-off tracking, and unlimited contractor payments with free 1099-NEC generation.
Choose Soldo: UK or European teams of three or more that need company cards with proactive spend limits and approval workflows, multi-entity wallet hierarchies, and FCA-regulated custody of funds, starting at £21/month + VAT.
Need both: There's little realistic overlap since Found targets US solo operators while Soldo serves multi-user European teams; a business would need to be both US-based for Found's banking and tax tools and running a UK/EU entity with multiple cardholders for Soldo, a narrow edge case rather than a common pattern.
Found
Freelancer and gig worker banking — Independent contractors manage income, expenses, and tax set-asides in one account instead of juggling separate tools.
Contractor payments for small teams — Small business owners pay 1099 contractors and automatically generate year-end tax forms without a separate payroll platform.
Client invoicing and cash flow tracking — Service-based businesses send invoices and track payment status directly within their banking account.
Soldo
Departmental Budget Control — Finance teams issue cards to each department with preset budgets so spending stays within limits without manual approval chains for every purchase.
Employee Expense Cards — Businesses replace expense reports and reimbursements with prepaid cards that automatically capture receipts and categorize spend.
Project and Client Spend Tracking — Agencies and project-based businesses use separate wallets per client or project to track and bill back spend accurately.
Frequently Asked Questions
Is Found available outside the US?
Not documented. Found is a US business banking platform; Soldo serves 31 European countries.
Does Found charge a monthly fee?
The Core plan is free; Found Plus ($35/month) and Found Pro ($80/month) add features like higher APY and cash back.
Does Soldo help with bookkeeping and taxes?
Not documented. Soldo focuses on spend management and integrates with accounting software rather than performing bookkeeping itself.
Which tool is better for paying contractors?
Found, with unlimited contractor payments, no per-contractor fees, and automatic 1099-NEC generation.
Is Soldo regulated?
Yes, Soldo is regulated as an Electronic Money Institution by the UK's Financial Conduct Authority.
Does Found offer a free trial?
Not documented; Found instead offers a free-forever Core plan rather than a time-limited trial.