Smart treasury for SMBs.
Connect your bank accounts safely and keep close track of your cash flow in real time.
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Over 900,000 users already trust Holded
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. Keep your accounts up to date effortlessly.
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, remittances to your bank and your own Holded Wallet account.
Get paid online from the invoice
Add a payment link with Stripe, PayPal, GoCardless or Square and get paid by card or direct debit. The payment reconciles itself.
Bank remittances
Group supplier payments and direct-debit collections into a single order for your bank. No errors, no retyping.
A business account inside Holded to pay, get paid and issue team cards, with everything booked the moment it happens.
Stripe
PayPal
GoCardless
SquareCentralise your treasury with Holded Wallet
With Holded Wallet you pay suppliers, get paid by clients and reconcile automatically, all without leaving Holded.
Pay bills without switching tabs
Holded takes the IBAN and amount from the bill and sends the payment for you.
Every payment reconciles itself
As soon as you pay, Holded reconciles the bill automatically.
Get paid and notify without leaving Holded
Receive payments in your account and notify the right person instantly.
Cards and international payments for your team
Issue cards with full control and send money abroad.
Physical and virtual cards for your team
Issue corporate cards linked to your Holded Wallet account. Control spending limits per employee and automate the accounting of every purchase.
Instant virtual cards
Create virtual cards in seconds for online purchases, subscriptions, or one-off expenses. Cancel them anytime.
Full expense control
Set limits per card, block spending categories, and receive real-time notifications for every transaction.
Every transaction tracked. Every bank connected. Every euro accounted for.
Go deeper
Explore our specialized treasury features in detail.
AI reconciliation
The AI proposes how to book each bank transaction and links invoices when they exist. Smart suggestions that improve over time.
Reconciliation rules
Create custom rules to reconcile recurring transactions automatically. Set the conditions and Holded books them for you.
Bank sync
Connect your bank accounts and import transactions automatically. PSD2-compliant and secure.
Cash flow forecast
Visualise your future cash position based on pending invoices, scheduled payments and recurring expenses.
Frequently asked questions
Holded connects with major Spanish and European banks through the PSD2 regulation. The connection is secure 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.
Remittances let you group multiple payments or collections into a single order to send to your bank. Holded generates the file automatically in SEPA format.
Absolutely. Holded uses European PSD2 regulation and encrypted connections to ensure the security of your banking data. We never store your credentials.
Holded Wallet is available for Spanish businesses. It's an integrated business account that lets you manage payments and collections without leaving the platform.
