Pleo Cash Management brings spend and cash management into one place. Finance teams can see, move, and optimise cash without switching between tools. It provides clear, real-time visibility and reduces manual work through automation. Features include a real-time cash position overview (by connecting bank accounts), automated transfer rules, sub-accounts to ring-fence budgets, multi-currency support, and an investment or savings account where available.

Cash position is the amount of liquid cash your business has at a specific point in time. Cash flow shows how money moves in and out over time. With Pleo, you can see your cash position instantly by linking your business bank accounts through open banking. This gives you a centralised, real-time view across all accounts and currencies.

You can connect your bank accounts to Pleo for a real-time, centralised view of your cash position across banks and Pleo accounts. This reduces time spent logging into multiple portals and helps you make faster decisions. This single view is a core part of Pleo Cash Management.

Yes. Pleo supports transfer rules that automate money movement based on triggers and conditions, such as keeping key accounts funded or moving money on a schedule. This reduces manual transfers and lowers the risk of declined payments due to insufficient funds.

Transfer rules are rule-based workflows that move money between your bank and Pleo accounts, as well as between Pleo accounts (including your main account, sub-accounts, and currency accounts).

Yes. Pleo sub-accounts let you separate and manage company funds by allocating dedicated budgets for teams, projects, or cost centres. This helps control spending and makes it easier to stay on budget.
You can assign cards to a sub-account, so spending is deducted from that ring-fenced budget.

If a card is assigned to a sub-account and a payment exceeds the available balance, the transaction may be declined due to insufficient funds. This helps prevent overspending.
Admins can move funds into the sub-account manually or automate this with transfer rules (where available) to keep critical spending funded.

Pleo supports up to six currencies in the app, including EUR, GBP, DKK, USD, SEK, and NOK. This helps finance teams reduce FX friction by holding funds in the currencies they spend in and managing everything in one place.

Pleo supports global spending with a single card that automatically charges the correct currency account. This reduces manual admin and helps avoid unnecessary FX conversions.

Multi-currency lets you hold and use funds in the currencies you need, reducing FX friction compared to repeated conversions through traditional bank workflows.
When you pay with the multi-currency card or settle an invoice, Pleo detects the payment currency and automatically matches it to the corresponding currency account. This helps avoid FX fees on foreign currency payments.

Pleo offers yield on idle cash through the Investment account, powered by lemon.markets, a Berlin-based financial technology company. They are a securities institution licensed and supervised by Germany's Federal Financial Supervisory Authority (BaFin), which means they operate under the highest standards of security and compliance.

Transfer rules let you fully automate your company cash transfers.

Available types of transfers:
→ From your bank to Pleo
→ Between your Pleo main account and sub-accounts
→ Between currency accounts

Available triggers:
→ Weekly or monthly fixed amounts
→ Balance threshold (if your balance falls below a set limit)
→ Target balance (automatically replenish your account to a set balance)

Guardrails:
→ Skip transfers if the source account balance is below a chosen threshold