Holded Wallet: the business account that goes with everything.
An integrated payment solution that eliminates manual reconciliation. Pay, collect and keep your accounting up to date, all from Holded.
Wallet in action
See everything you can do with Wallet
We show you how to collect, pay and reconcile without leaving Holded, and how your business account keeps your accounting up to date for you.
- Get paid and pay from Holded
- Automatic reconciliation with your invoices
- Accounting up to date, every day
Fully integrated
Do everything through Holded
Pay expenses with physical or virtual cards, collect payments from clients, and see your accounting update automatically. No manual reconciliation needed.
Integrated payments and collections
Pay suppliers and collect from clients directly from Holded. Everything in one platform.
Automatic accounting
Every transaction is automatically recorded in your accounting. No manual entries, no errors.
Cards
Create unlimited cards
Create unlimited virtual or physical cards with configurable spending limits and real-time control over every transaction.
Virtual and physical cards
Issue cards instantly for your team. Virtual cards for online purchases, physical for in-person spending.
Configurable limits
Set spending limits per card, per user or per period. Stay in control of every expense.
Holded Wallet
Add Wallet to your plan and forget about the bank
Get paid, pay and reconcile without leaving Holded. Activate it as a Gem on any plan for one flat monthly fee. No hidden charges, no surprises.
- Spanish IBAN in your name
- Unlimited transfers
- Unlimited virtual & physical cards
- Automatic reconciliation with your invoices
- Everything inside Holded
- No lock-in, no setup fees
Wallet Gem
One flat price, whatever happens. Transfers, cards and reconciliation included.
Try free 14 daysAvailable on all plans. Cancel anytime.
Everything in one account
Your business account, frictionless
Get paid, pay out and reconcile in the same place where you invoice. No jumping to the bank app, no statement exports, no re-typing data.
Card or transfer
Choose how you pay, card or bank transfer. Process bulk payments in one go.
Automatic reconciliation
Every payment and collection is automatically matched with its invoice. Zero manual work.
Operations without friction
Payment data is auto-populated from your invoices. No duplicates, no re-entry.
Real-time control
See every transaction as it happens. Full visibility over your business spending.
Scheduled supplier payments
Schedule payments and remittances days in advance. Holded executes them on the exact date, no reminders, no missed deadlines.
AI cash-flow insights
Holded analyzes your cash flow, flags unusual spend and forecasts your liquidity for the weeks ahead.
“In one click I leave invoices paid and reconciled, that's the way it should be”.
Sergio Mosquera
CFO, Vranded House
Security
Your money, under control
Spanish IBAN in your name
Your own IBAN registered in Spain. Receive transfers, set up direct debits and operate normally.
Full fund protection
Your funds are segregated and protected under European electronic money regulations.
Verified account in under 72h
Quick verification process so you can start operating as soon as possible.
Discover how Holded Wallet can simplify your payments
Frequently asked questions
No, Holded is not a bank. Holded Wallet is a regulated payment account that operates under an electronic money institution licence.
You can transfer funds from any bank account to your Holded Wallet IBAN. You can also receive payments from clients directly.
Yes, your funds are protected under European electronic money regulations. They are segregated and insured.
Currently you can have one Holded Wallet account per company.
There is no cap on the number of payments: you can pay as many invoices as you need, as long as the account has enough balance. On cards, you set the spending limit for each one (daily, weekly or monthly) and change it whenever you want from the Cards section of Holded Wallet.
The account costs 10€/month. SEPA transfers and card payments have competitive rates you can check on the website.
Yes, you need an active Holded subscription to use Holded Wallet, as it's integrated with the rest of the modules.