Reconcile your bank in minutes, not hours
Holded automatically matches bank transactions with your invoices and expenses. Connect your bank and let smart reconciliation do the heavy lifting.
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Trusted by 200,000+ businesses
How bank reconciliation works
From bank connection to reconciled books in three steps
Connect your bank
Link your bank accounts securely. Transactions are imported automatically every day.
Smart matching
Holded suggests matches between bank movements and your invoices, expenses and payments.
Approve and done
Review suggestions, approve in bulk and your books are balanced. Unmatched items are flagged for review.
Automatic matching
Transactions matched to invoices instantly
Holded analyses amounts, dates and references to match bank movements with the right invoices and expenses, automatically.
Intelligent suggestions
The matching engine learns from your history to suggest increasingly accurate matches over time.
Partial and split matching
Handle partial payments or multiple invoices paid together. Holded splits and matches them correctly.
- 4/1Taxes-457.00Matching
- 4/1Transfer-457.00Pending
- 4/1Services-22.00Pending
- 4/1Rent-22.00Pending
- 5/1Rent-22.00Pending
- 6/1Services-238.00Pending
- 7/1Taxes-112.00Pending
- 8/1Rent-457.00Pending
- 8/1Rent-457.00
- 9/1Services-22.00
- 9/1Taxes-112.00
- 10/1Transfer-457.00
Bank reconciliation with artificial intelligence
Holded analyses your bank movements and suggests the best match — you just confirm. 10x faster than doing it by hand.
Smart matching
AI analyses amounts, dates, descriptions and historical patterns to find the right match every time.
10x faster
What used to take hours now takes minutes. Reconcile hundreds of transactions in a single sitting.
Near-zero errors
AI suggestions are validated against your existing data. Fewer mistakes, cleaner books.
Learns over time
The more you use it, the better the suggestions. Holded learns from every correction you make.
Bank connections
All your bank accounts in one place
Securely connect multiple bank accounts from different institutions. All movements are imported and centralised for reconciliation.
200+ banks supported
Compatible with major banks across Spain and Europe. PSD2-compliant secure connections.
Daily auto-sync
Transactions are imported automatically every day. No manual uploads or CSV files needed.
Connected banks
BBVA Account
B€8,203
€1,210 this week
Holded Wallet
€1,840 spent this week
Powerful reconciliation features
Everything you need to keep your books balanced
Custom matching rules
Create rules for recurring transactions. Subscriptions, rent and regular payments are matched automatically every month.
Multi-account support
Reconcile across multiple bank accounts and currencies from a single dashboard.
Full audit trail
Every match is logged with timestamps. View the complete reconciliation history for any transaction.
Want to automate recurring transactions? Discover reconciliation rules →
Bulk operations
Reconcile a full month in minutes
Select multiple transactions, approve suggested matches in bulk and clear your backlog fast.
Bulk approval
Approve dozens of high-confidence matches at once. One click to reconcile an entire page of transactions.
Filters and search
Filter by date range, amount, status or account. Find unreconciled items instantly.
Reports
Sales
Sales by account- E-commerce8006788342331,4001,000
- Web3,0006789239,0001,9002,000
- Store Bcn3,5007,6782,9009,5621202,000
Reconciliation results
90%
Auto-matched transactions
15 min
Average monthly reconciliation time
0
Manual CSV uploads needed
Everything for effortless reconciliation
Features that make bank reconciliation a breeze
Multi-currency reconciliation
Reconcile accounts in different currencies with automatic exchange rate conversion.
Unmatched alerts
Get notified when transactions remain unmatched for too long so nothing slips through.
Export reconciliation reports
Download detailed reconciliation reports in PDF or Excel for your accountant or auditor.
Bank-grade security
All bank connections use PSD2-compliant encryption. Your credentials never pass through Holded.
Frequently asked questions about bank reconciliation
Holded supports 200+ banks across Spain and Europe through PSD2-compliant open banking connections. Most major banks are supported, including Santander, BBVA, CaixaBank, Sabadell and many more.
Holded uses PSD2-compliant open banking protocols. Your bank credentials are never stored or transmitted through Holded, the connection goes directly through your bank's API.
Yes. Holded handles multi-currency reconciliation automatically, applying the exchange rate at the transaction date.
Unmatched transactions are highlighted for manual review. You can create a new expense or journal entry directly from the unmatched item, or mark it for follow-up.
Bank transactions are synced automatically once per day. You can also trigger a manual sync at any time to get the latest movements.