Pleo

Danish AI-powered spend management and smart company cards for European businesses

Dext

AI-powered bookkeeping data capture and expense management for accountants

Pleo

Excellent

22/25

Dext

Strong

18/25

Score Breakdown

DimensionPleoDext

Data Residency

Where is your data stored and processed?

Pleo: Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.

Dext: Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.

4/5

Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.

4/5

Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.

Legal Jurisdiction

Which laws govern the company and your data?

Pleo: Danish A/S incorporated and regulated by Finanstilsynet as an EU e-money institution; fully subject to GDPR.

Dext: Incorporated in England and Wales under UK law. Regulated by ICO under UK GDPR. UK jurisdiction with no CLOUD Act exposure. EU-UK adequacy decision permits data flows for EU customers.

5/5

Danish A/S incorporated and regulated by Finanstilsynet as an EU e-money institution; fully subject to GDPR.

4/5

Incorporated in England and Wales under UK law. Regulated by ICO under UK GDPR. UK jurisdiction with no CLOUD Act exposure. EU-UK adequacy decision permits data flows for EU customers.

Data Retention & Training

Is your data used for model training?

Pleo: Expense data is not used for AI model training; retention aligned with EU financial record-keeping obligations.

Dext: Financial document data may be used to improve extraction AI models—review DPA carefully for data use specifics. Configurable retention aligned with accounting regulatory requirements. GDPR DPA available.

4/5

Expense data is not used for AI model training; retention aligned with EU financial record-keeping obligations.

3/5

Financial document data may be used to improve extraction AI models—review DPA carefully for data use specifics. Configurable retention aligned with accounting regulatory requirements. GDPR DPA available.

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

Pleo: ISO 27001 and PCI DSS certified; financial services regulatory oversight adds additional compliance assurance.

Dext: Holds ISO 27001 certification. Appropriate baseline for a financial document processing platform. SOC 2 Type II and ISAE 3402 would further strengthen the posture for accounting firm procurement.

4/5

ISO 27001 and PCI DSS certified; financial services regulatory oversight adds additional compliance assurance.

3/5

Holds ISO 27001 certification. Appropriate baseline for a financial document processing platform. SOC 2 Type II and ISAE 3402 would further strengthen the posture for accounting firm procurement.

Regulatory Fit

Suitability for regulated industries and professional services

Pleo: Excellent fit for EU finance teams; regulated e-money institution with native multi-country accounting integrations.

Dext: Good fit for UK accounting practices and their SME clients. ISO 27001 and UK GDPR compliance meet common procurement thresholds for financial data processors. Suitable for FCA-regulated firms using Dext for expense and bookkeeping automation.

5/5

Excellent fit for EU finance teams; regulated e-money institution with native multi-country accounting integrations.

4/5

Good fit for UK accounting practices and their SME clients. ISO 27001 and UK GDPR compliance meet common procurement thresholds for financial data processors. Suitable for FCA-regulated firms using Dext for expense and bookkeeping automation.

Total Score

22/25

18/25

Best For

Pleo

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (ICO, FCA).

Dext

Best for EU-headquartered organisations needing maximum data sovereignty; regulated industries (Finanstilsynet, BaFin); privacy-conscious teams who need strong data retention controls; teams on a tight budget.

Detailed Comparison

Dext vs Pleo: Trust & Compliance Comparison

Dext (Dext, GB) scores 18/25 overall with a Silver (Strong) trust badge. AI-powered bookkeeping data capture and expense management for accountants. Pleo (Pleo, DK) scores 22/25 with a Gold (Excellent) trust badge. Danish AI-powered spend management and smart company cards for European businesses.

Dimension-by-Dimension Breakdown

#### Data Residency

Both score equally at 4/5.

●Dext (4/5): Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.

●Pleo (4/5): Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.

#### Legal Jurisdiction

Pleo leads with 5/5 vs 4/5.

●Dext (4/5): Incorporated in England and Wales under UK law. Regulated by ICO under UK GDPR. UK jurisdiction with no CLOUD Act exposure. EU-UK adequacy decision permits data flows for EU customers.

●Pleo (5/5): Danish A/S incorporated and regulated by Finanstilsynet as an EU e-money institution; fully subject to GDPR.

#### Data Retention & Training

Pleo leads with 4/5 vs 3/5.

●Dext (3/5): Financial document data may be used to improve extraction AI models—review DPA carefully for data use specifics. Configurable retention aligned with accounting regulatory requirements. GDPR DPA available.

●Pleo (4/5): Expense data is not used for AI model training; retention aligned with EU financial record-keeping obligations.

#### Certifications

Pleo leads with 4/5 vs 3/5.

●Dext (3/5): Holds ISO 27001 certification. Appropriate baseline for a financial document processing platform. SOC 2 Type II and ISAE 3402 would further strengthen the posture for accounting firm procurement.

●Pleo (4/5): ISO 27001 and PCI DSS certified; financial services regulatory oversight adds additional compliance assurance.

#### Regulatory Fit

Pleo leads with 5/5 vs 4/5.

●Dext (4/5): Good fit for UK accounting practices and their SME clients. ISO 27001 and UK GDPR compliance meet common procurement thresholds for financial data processors. Suitable for FCA-regulated firms using Dext for expense and bookkeeping automation.

●Pleo (5/5): Excellent fit for EU finance teams; regulated e-money institution with native multi-country accounting integrations.

Certifications at a Glance

Certification	Dext	Pleo
ISO 27001	Yes	Yes
PCI DSS	No	Yes

Overall Verdict

Pleo has a clear trust advantage, scoring 22/25 compared to Dext's 18/25. Pleo particularly excels in legal jurisdiction, data retention & training, certifications, regulatory fit.

Frequently Asked Questions

Which is better for EU compliance, Pleo or Dext?

Pleo has a TrustKit score of 22/25 while Dext scores 18/25. Pleo currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do Pleo and Dext compare on data residency?

Pleo scores 4/5 for data residency (Financial and transactional data hosted in EU cloud infrastructure under Danish financial regulation.), while Dext scores 4/5 (Data hosted in UK and EU infrastructure. UK incorporation provides strong data residency baseline for British businesses. EU adequacy decision covers UK-EU transfers. No US data processing.).

Are Pleo and Dext GDPR compliant?

Both tools are assessed across five compliance dimensions. Pleo has a regulatory fit score of 5/5 and Dext scores 4/5. Check the full comparison above for a detailed breakdown.

Explore Each Tool