Automate reconciliation with custom rules
Define rules once and let Holded reconcile your bank movements automatically. No manual work, no errors.
Rules engine
Tell Holded what to match and let it run
Build reconciliation rules with the same logic you'd give a teammate. Combine amounts, descriptions, accounts and contacts — Holded watches every incoming movement and applies the rule the moment it fits.
Flexible conditions
Combine amount ranges, keywords, bank accounts and tags in a single rule. Cover the long tail of recurring payments without writing a line of code.
Bulk reconcile in a click
Apply a new rule retroactively to clear months of pending movements in seconds.
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
AI suggestions
Holded proposes matches before you ask
For movements no rule covers, Holded analyses patterns from your historical data and proposes the best match with a confidence score. Approve the obvious ones in bulk and review the rest.
Confidence scoring
Every suggestion shows how sure Holded is. Auto-approve anything above a threshold you control.
Learns from every fix
Every time you correct a match, the next batch of suggestions gets sharper.
AI suggestions
Last 24h
12/04 · BBVA
Stripe payout · April batch
+ €1,240
#F-2024-114
April revenue · 2024
98%·Auto11/04 · BBVA
Card · office rent
− €850
#R-2024-04
April rent · landlord
94%·Auto10/04 · BBVA
SEPA · payroll batch
− €2,310
#P-2024-04
April salaries
72%·Review
Auto-approve · matches above 90%
Rules that work for you
Set conditions based on amounts, descriptions or contacts, Holded does the rest.
Custom rules
Create rules based on amount ranges, keywords in descriptions, or specific contacts and categories.
Automatic matching
When a bank movement matches a rule, Holded reconciles it automatically, no intervention needed.
Exception management
Movements that do not match any rule are flagged for review. Nothing slips through the cracks.
Hours saved weekly
Businesses with recurring transactions save 5+ hours per week with automated reconciliation rules.
Frequently asked questions
Both, in that order. Rules cover the recurring transactions you can describe exactly — rent, payroll, subscription payouts. AI suggestions catch everything else, including one-off payments where a rule would be overkill.
Holded syncs with 200+ banks across Europe through PSD2 connections. Rules and AI suggestions run on whatever movements your bank feed brings in — Spanish, EU and international accounts all work the same way.
Yes. Pause, edit or delete any rule from a single screen. Changes apply to new movements immediately; past matches stay intact unless you choose to re-run the rule.
Existing rules can target one or many accounts. When you connect a new bank, you can scope each rule to include it or keep it isolated — useful when you operate several companies in one Holded workspace.
Every reconciliation is timestamped and labelled by origin (rule, AI suggestion or manual confirmation). Auditors get a clean trail; you keep the control.