Accounting that thinks for you
Holded uses artificial intelligence to categorise transactions, detect anomalies and automate your day-to-day accounting, so you can focus on strategy.
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Trusted by 200,000+ businesses
How AI accounting works
Three steps to hands-free bookkeeping
Upload or connect
Connect your bank, scan receipts or import invoices. Holded's AI reads every document automatically.
AI categorises and matches
Machine learning assigns the right account, VAT rate and analytical tags, learning from your corrections over time.
Review and approve
You stay in control. Review AI suggestions, approve in bulk and let your books close themselves.
Smart categorisation
Transactions classified instantly
Holded's AI analyses each transaction and assigns the correct account, cost centre and VAT rate. The more you use it, the smarter it gets.
Self-learning engine
The AI learns from every correction you make. After a few weeks it categorises with over 95% accuracy.
Rule-based overrides
Create custom rules for specific suppliers or transaction types. AI and rules work together seamlessly.
Solar Tech S.A
Avenida Diagonal, 105
09011 Barcelona, ES
Invoice
Number
ST0012323
Client
Project Volta S.L
08027 Barcelona
Total
123€
Item 1
Book design
Item 2
Drilled holes
Subtotal · 102 €
IVA (21%) · 21 €
Total · 123 €
AI expense scanner
Snap a photo, get a journal entry
Take a picture of any receipt or invoice. Holded's OCR and AI extract the data, categorise the expense and create the accounting entry in seconds.
OCR data extraction
Automatically reads supplier name, date, amount, VAT and line items from any document format.
Instant journal entries
Extracted data is mapped to your chart of accounts and posted automatically. No manual typing.
Mercadona
C/ Diagonal 240, Barcelona
- Office supplies12.40 €
- Coffee 1 kg8.90 €
- Cleaning21.00 €
Journal entry
AI that works while you sleep
Powerful intelligence across every corner of your accounting
Anomaly detection
AI flags unusual transactions, duplicate entries and amounts that deviate from your patterns, before they become problems.
Cash flow predictions
Machine learning analyses your historical data to forecast upcoming cash flows and flag potential shortfalls weeks in advance.
Recurring automation
AI identifies repetitive transactions and suggests automation rules so the same entries never need manual input twice.
Smart reconciliation
Bank matching powered by AI
Holded's AI matches bank transactions to invoices and expenses with intelligent suggestions that improve over time.
Confidence scoring
Each match comes with a confidence score. High-confidence matches are auto-approved; lower ones are flagged for review.
Bulk reconciliation
Approve hundreds of AI-suggested matches in one click. Reconcile a full month in minutes, not hours.
Bank movements
- 2/1/24Services+ €238
- 8/1/24Rent+ €156
Suggested invoices
- 7/1/24Services€238
- 8/1/24Rent€156
AI-powered results
95%
Auto-categorisation accuracy
10×
Faster reconciliation
80%
Less manual data entry
Everything AI does for your accounting
Small automations that save big time
Continuous learning
The AI model improves with every transaction you process. Your accounting gets smarter every month.
Duplicate detection
AI identifies potential duplicate invoices or entries before they pollute your books.
Tax category suggestions
Automatically suggests the correct tax treatment for each transaction based on supplier, amount and category.
Financial insights
AI surfaces trends, seasonal patterns and spending anomalies in easy-to-read dashboards.
Frequently asked questions about AI accounting
After an initial learning period of about two weeks, Holded's AI typically achieves over 95% accuracy when categorising transactions. It learns from your corrections and gets better over time.
Not at all. AI makes suggestions that you can approve, edit or reject. You can set thresholds for auto-approval or choose to review every entry manually. You always have the final say.
Yes. Holded's AI adapts to your specific chart of accounts, cost centres and analytical tags. It does not impose a predefined structure.
Absolutely. All data processing happens within Holded's secure infrastructure. Your financial data is encrypted at rest and in transit, and is never shared with third parties.
Yes. The AI correctly identifies the currency, applies the appropriate exchange rate and categorises multi-currency transactions just like domestic ones.