Smart treasury for SMBs.
Connect your bank accounts safely and keep close track of your cash flow in real time.
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Your business
Dashboard
Revenue
€18.420
+12%
Invoices
142
+24
Collected
80%
+8%
Revenue · last 7 days
€18.420
Over 200,000 businesses 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.
Automate your daily treasury
Payments & collections controlled
View your invoices in an automatic visual list. Track which are pending, collected, or reconciled.
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Bank movements
- 2/1/24Services+ €238
- 8/1/24Rent+ €156
Suggested invoices
- 7/1/24Services€238
- 8/1/24Rent€156
Faster reconciliation
Save time with intelligent suggestions matching your bank movements to the invoices you've issued.
Discover bank reconciliationAutomatic synchronisation
Keep your accounts up to date effortlessly and view them all within Holded. Stop checking bank by bank.
Advanced operations
Next-level treasury management
Accelerate your treasury operations with advanced reconciliation, remittances, and centralised management tools.
Tell Holded which movements to reconcile autonomously. Create custom rules and bulk-reconcile recurring transactions.
Bank remittances
Simplify payments by consolidating them into a single order within Holded. Save time and avoid errors.
Stripe payouts → revenue
When
- Amount≥ €500
- Descriptioncontains "Stripe"
- AccountBBVA · 4521
Then
Match to revenue invoice
Auto-link with the open invoice
Add tags
payments · stripe
142 matches this month
Centralise your treasury with Holded Wallet
An integrated business account for managing payments and collections without leaving Holded. Say goodbye to external management.
Integrated payments
Pay suppliers and collect from clients directly from Holded. Everything in one platform.
No hidden fees
Full transparency on every transaction. No surprises, no fine print.
•••• •••• •••• 4875
Cardholder
Abstract Studio
Available balance
20.300,00 €
↑ +30.450 €↓ −10.150 €
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.
See it in actionPlan 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.
Go deeper
Explore our specialized treasury features in detail.
AI reconciliation
Let AI match your bank movements with invoices automatically. Smart suggestions that get better over time.
Reconciliation rules
Create custom rules to automate bank reconciliation. Set conditions and let Holded match transactions 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.
It's the process of matching your bank movements with issued and received invoices. Holded automates this with intelligent suggestions so you only need to confirm.
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.
