Your banks connected. Your cash under control.
Automatic reconciliation, forecasts, payments and collections.
Over 900,000 users already trust Holded
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Bank connection
Connect your bank in minutes
Link your bank accounts securely and view all your transactions in one place. No spreadsheets, no manual errors.
Automatic sync
Your bank transactions update automatically every day. Your accounts stay up to date on their own.
Multi-bank
Connect all your bank accounts in a single view. Stop checking bank by bank.
Bank reconciliation
Bring your bank statement into your accounting
Every bank transaction is reflected in your books, whether or not there is a document behind it. Holded proposes how to book it and you just confirm.
The AI links invoices when they exist and classifies advances, payments on account or fees when they do not. It learns from your choices.
Decide once how to treat recurring transactions (subscriptions, payroll, fees) and Holded reconciles them on its own every month.
Plan for the future
Advanced cash flow
Anticipate your liquidity needs, project budgets, and simulate hypothetical scenarios to make better decisions.
Liquidity forecasting
Plan your financial goals and calculate your cash needs for team expansion or handling contingencies.
Budget projection
Create a budget based on income and expense targets, connected to your cash flow. Track your progress in real time.
Scenario simulation
Simulate different budgets to calculate their impact on your cash position. Make data-driven decisions.
Payments
Get paid and pay faster, without leaving Holded
Move money from the same place you invoice: payment links on your invoices, batch payments to your bank and your own Holded Wallet account.
Get paid online from the invoice
Add a payment link with Stripe, PayPal or Square and get paid by card or ACH. The payment reconciles itself.
Batch bank payments
Group supplier payments and ACH collections into a single order for your bank. No errors, no retyping.
Holded Wallet and cards
A business account inside Holded to pay, get paid and issue team cards, with everything booked the moment it happens.
Stripe
PayPal
GoCardless
SquareEvery transaction tracked. Every bank connected. Every dollar accounted for.
Go deeper
Explore our specialized treasury features in detail.
Frequently asked questions
Holded connects with your banks through secure open banking connections. The connection is encrypted and updates automatically.
Reconciling means reflecting your bank transactions in your accounting so that your accounting and bank balances match. A document is not required: an advance or a payment on account is reconciled too. Holded automates it with smart suggestions and, when there is an invoice, links it for you.
Yes, Holded projects your cash flow based on pending invoices, recurring expenses, and budgets. You can simulate different scenarios to plan better.
Batch payments let you group multiple payments or collections into a single order to send to your bank. Holded generates the file automatically in the format your bank needs.
Absolutely. Holded uses encrypted open banking connections to ensure the security of your banking data. We never store your credentials.
You can try Holded's treasury software free for 14 days, no card required. After that, plans start at $15 per month and you can cancel anytime.
Yes. Connect your account, reconcile transactions and keep your cash under control even as a one-person business.
No fine print
- No lock-inCancel whenever you want, no penalties.
- Free data migrationImport contacts, products and invoices. We help you.
- Support in your languageChat and help in English or Spanish.
- Your accountant includedFree access for your accountant or CPA on every plan.
