Pleo
Pleo is a business expense cards + spend management (mastercard) issued on Mastercard, rated 7.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Pleo is the strongest fit for ad spend and streaming, and asks for business KYC at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Pleo · Business expense cards + spend management (Mastercard) |
| Official site | https://pleo.io |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 7.7/10 (4.0★, 868 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (physical & virtual cards included in plan) |
| Monthly / annual fee | Starter from £9.50/mo; Essential £39-45/mo… ··· |
| Top-up (deposit) fee | 0% (prepaid wallet, no credit) |
| FX / conversion fee | 1.49%-2.49% above interbank ··· |
Verification and risk
| KYC required | Yes (business; FCA-authorised EMI FRN 1020730) |
| Risk level | Low |
| AVS check | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (prepaid wallet top-up) |
| Alipay / WeChat Pay | No |
| Cards per account | Physical & virtual Mastercard per member; up… ··· |
Billing
| Billing address | Business (EU/UK) |
| Billing country | 14 European countries (EU/EEA/UK) |
Platform compatibility
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes (ad platforms accepted) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 530558 | Mastercard | EEA (Europe) | Prepaid | 152 | 109 | 71.7% |
We logged 109 cleared charges out of 152 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Pleo cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is Starter from £9.50/mo; Essential £39-45/mo; Advanced £99/mo; Beyond £199/mo (3 users included); top-ups cost 0% (prepaid wallet, no credit); conversion is priced at 1.49%-2.49% above interbank (2.49% Starter; 1.99% Essential/Advanced; 1.49% Beyond). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Pleo?
Pleo asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business; FCA-authorised EMI FRN 1020730)
How can I fund Pleo?
You can fund it with bank transfer (prepaid wallet top-up). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Pleo need?
Setting it up: the billing address type is Business (EU/UK); cards are issued against 14 European countries (EU/EEA/UK); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Pleo work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How many cards can I open with Pleo?
The issuer allows Physical & virtual Mastercard per member; up to 200 virtual/member on higher tiers. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.