Subly vs Cledara

Cledara is a SaaS management platform for finance and IT teams: virtual cards, approvals, onboarding, from £75 a month for 20 apps. Subly covers what most teams under 20 people need, what you pay, who owns it and what renews, from free, and adds money coming in.

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14 days of Business, no credit card. Free plan after that.

Why people pick Subly over Cledara

The differences that matter

Start today, free
Subly
Free plan, 14-day Business trial
Cledara
From £75/month, verification documents
Upload one statement and see every recurring charge in minutes. Cledara states no free plan or trial and asks for company verification documents to sign up.
A forecast for $19
Subly
13 weeks, with what-ifs, $19/month
Cledara
Forecasting on Premium, £200/month
See your balance week by week and test a cancel or a price change before you commit, on Business.
Not only software
Subly
Software, insurance, retainers
Cledara
Software spend
Domains, insurance, client retainers and Stripe revenue sit on the same list as your tools.

What you would pay

The price for your team, with renewal alerts on

Each product’s cheapest plan that fits, at list prices, Nov 2026. Subly yearly billing costs about two months less.

Monthly price for each team size
Team	Subly	Cledara
Just you, 30 tools	$5/monthPersonal	£200/monthPremium · Up to 75 apps
3 people	$5/monthPersonal	£200/monthPremium · Up to 75 apps
10 people	$19/monthBusiness · Slack app and forecast included	£200/monthPremium · Up to 75 apps

Feature by feature · checked Nov 2026

Subly and Cledara, line by line

Where a vendor’s own site doesn’t mention something, the table says so instead of guessing.

Yes:
Partly:
No:
Not stated:

Feature

Subly

Cledara

Getting your data in

Reads a bank or card statementUpload a file and it finds what repeatsPDF or CSV, no bank login. One on Free, unlimited from PersonalNot stated on its site

Bank connectionUS, Canada and Europe, read-only through Plaid. From PersonalIts own virtual cards, plus Xero and QuickBooks

Picks up receipts or invoicesForward receipts to your own Subly address. From PersonalAutomatic invoice capture on Premium

Imports revenue from StripeRecurring revenue from Stripe. Business and TeamNot stated on its site

Lifetime deals and refund windowsAppSumo import and a heads-up before each refund window closes. Every planNot stated on its site

Hearing about it in time

Renewal alerts by emailEvery plan, Free includedRenewal reminders to app owners

Alerts in SlackA Slack app with Keep, Plan to cancel and Snooze buttons. From BusinessSlack and email

Teams, Discord or TelegramMicrosoft Teams, Discord, Telegram and push. From PersonalNot stated on its site

Tells you about price rises“Notion Plus went up 20%: $10 → $12”. Every planIn the Spend Optimisation add-on, £150/month

Catches charges after you cancelledEvery planNot stated on its site

The whole picture

Money coming inClient retainers, payouts, recurring revenueRetainers, payouts and recurring revenue next to costs. Every planNot stated; manages software spend

Cash forecast13 weeks of your balance, with what-ifs. Business and TeamReporting and forecasting on Premium, £200/month

Several currencies150+, each item in its own, totals in yoursPriced in GBP; multiple entities on request

People and owners

People on the account3 on Personal, 10 on Business, 20 on Team10 members on Premium, more at £5 each

An owner on every itemRenewals go to the owner, who decides. From PersonalApp owners

AI and automation

AI assistantClaude connector (MCP) and Ask Subly. From PersonalCledara Agent add-on, £200/month

API and webhooksREST API and signed webhooks. From PersonalAPI on every plan

Price and reach

Free planUp to 20 items, with email alertsNo free plan or trial stated

Where it worksAnywhere. Statement upload needs no bankUK, EU and US

Zylo and Vertice (which announced its acquisition of Vendr in June 2026) are enterprise platforms sold through a sales team, with quotes or demos instead of self-serve plans.

Fair is fair

What Cledara does well

A virtual card per tool, so every subscription is paid on a card you control.
Approval workflows, spend limits, onboarding and offboarding, and Okta SSO on Pro.
Xero, QuickBooks and NetSuite, and an agent that collects invoices from your tools.

Pick Cledara if

You want a card per tool, purchase approvals, onboarding and offboarding, NetSuite, or you manage more than 75 apps.

Pick Subly if

You want every recurring payment found for you, in and out, with an owner who hears before it renews.

Made by Subly. What we say about Cledara comes from its own website, checked November 5, 2026. Spotted something out of date? Tell us and we will fix it.

More comparisons

Questions

Frequently asked questions

Is Cledara worth it for a small business?

It is if you need what it is built around: virtual cards per tool, approvals, onboarding and offboarding, or NetSuite. If you mainly want to know what you pay and what renews, £75 a month for 20 apps (as of November 2026) is more than that job needs.

Can Subly issue virtual cards or approve purchases?

No. Subly is read-only: it finds and tracks recurring payments and tells the right person before they renew, but it doesn’t issue cards, approve purchases or move money.

What happened to Vendr?

Vertice announced that it acquired Vendr on June 1, 2026. The Vendr pricing page now redirects to Vertice.

How is my data handled?

Your data is yours. It is encrypted in transit and at rest, never sold and never used for any other purpose. Bank connections are read-only. You can download all your data at any time, and if you ever decide to leave Subly, your data is deleted from our servers.

Try it on your own numbers.

Upload one statement and see every recurring charge Subly finds, with what renews next and what went up. Then decide.

Start free trial

Free for 14 days with the full Business plan, no credit card needed. The Free plan is yours to keep.