Holded vs Moneybird (2026): which should you pick?

Pick Holded if

• Fits if you're a Spanish freelancer who needs invoicing with Verifactu
• Makes sense if you want inventory and a CRM next to your books

Look elsewhere if

• Tight if you stay on the free plan: 20 invoices and 50 scanned expenses a year
• Watch out: Basic allows 2 users and Standard 4, and extra users cost €12 a month each
• Watch out: Inventory starts at €25 a month and HR is €3 per employee, both as add-ons
• Not for you if you're outside Spain, unless you've checked the tax forms for your country
• Pricey if you need full accounting: that starts at Standard, €69 a month

Pick Moneybird if

• Fits if you're a Dutch or European freelancer who wants VAT returns filed electronically
• Works for online shops that connect Shopify or bol.com

Look elsewhere if

• Tight if you're on Compact: 1 invoice a month, 5 processed bank transactions and no VAT return
• Watch out: each sales invoice over your limit costs €0.15
• Watch out: iDEAL costs €0.29 a payment and cards 1% to 5%, and bank connections add small charges
• Watch out: the pricing page doesn't say which countries it serves

Holded

• Prices are in euros, exclude VAT, and the page does not say whether the figures assume monthly or annual billing.
• Each plan caps users (2 on Basic, 4 on Standard); extra users cost €12 a month each.
• Inventory starts at €25 a month and the HR module is €3 per employee a month, both as add-on Gems.
• Tax forms and e-invoicing features listed on the page are Spanish; check coverage for other countries.

Moneybird

• Monthly invoice limits apply; beyond them each extra sales invoice costs €0.15.
• Online payments carry fees, for example €0.29 for iDEAL and 1% to 5% for cards, with a 16 cent minimum on variable fees.
• Bank connections add small charges, such as €0.03 per payment record and €1.00 to initiate a payment.
• The site is offered in English, Dutch, German and French; the pricing page does not list which countries it serves.

Holded

Invoicing and quotes

Unlimited invoices on paid plans, with quotes, proformas, recurring invoices, a client portal, multi-currency and Verifactu.

Accounting

Standard and above add automatic journal entries, analytical accounting and annual accounts that an accountant can work from.

Bank connections and Wallet

Connect bank accounts to match transactions with invoices and expenses; Holded Wallet adds supplier payments and team cards.

Expense scanner

Scans receipts and extracts their data, with a fair-use limit tied to the plan's AI usage.

Spanish tax forms

Lists VAT models 303, 347, 349, 369 and 390 and IRPF models, with corporate tax forms 200 and 202 from Standard.

Inventory, CRM and projects

Inventory and HR are paid Gems; the CRM and project profitability tracking are part of the plans.

Moneybird

Invoices and quotes

Send sales invoices and quotes, set recurring invoices and automatic reminders, and send through Peppol or collect by SEPA direct debit.

Purchase invoices and receipts

Scan receipts with the app, process UBL invoices and receive invoices through Peppol. Smart document processing is capped at 3 on Compact.

Bank connections

Link bank accounts from 1,700+ European banks and match the transactions. How many accounts and transactions depends on the plan.

Bookkeeping and VAT returns

Reports, ledger accounts and asset depreciation are included. Electronic VAT returns and ICP returns can be filed from Moneybird on Start and above.

Timesheets and online sales

Record billable hours and turn them into invoices, and take payments through a payment link or recurring subscriptions.

Holded

• Light€0

  Free invoicing with Verifactu for 1 user, limited to 20 invoices and 50 scanned expenses a year.

• Starter€19

  per month, excluding VAT

  1 user with unlimited invoices and expense scanning, 1 connected bank, VAT and income tax returns and a sales funnel.

• Basic€34

  per month, excluding VAT

  2 users, 5 connected banks, cash flow, 10 recurring invoices, recurring purchases and 1 free point-of-sale store.

• Standard€69

  per month, excluding VAT

  4 users, full accounting, unlimited banks, SEPA remittances, corporate tax forms and user roles.

• Advanced€115

  per month, excluding VAT

  7 users, custom roles and fields, payment reminders, cash flow scenarios and priority support.

• Premium€229

  per month, excluding VAT

  15 users, unlimited recurring invoices, multi-country VAT and 100,000 API calls a month.

Moneybird

• Compact€3

  per month, billed yearly (€4 billed monthly)

  1 user and 1 sales invoice a month, 5 processed bank transactions, no linked bank account or VAT return.

• Start€15

  per month, billed yearly (€18 billed monthly)

  1 user, 200 sales invoices a month, 20 processed bank transactions and electronic VAT returns.

• Growth€29

  per month, billed yearly (€35 billed monthly)

  5 users, 500 sales invoices a month, 5 linked bank accounts and 50 processed transactions.

• Complete€41

  per month, billed yearly (€49 billed monthly)

  Unlimited users, linked bank accounts and transactions, and 1,000 sales invoices a month.

Holded

• Other savings

  50% off the first 3 months

  New customers get 50% off paid plans for their first 3 months, then the regular price applies, per the pricing page.

• Other savings

  Black Friday: 70% off for 3 months

  For new customers until 30 November 2026, every paid plan is 70% off for the first 3 months, in place of the usual 50%.

Moneybird

• Annual discount

  At least 16% off with yearly billing

  The pricing page shows the yearly-billed price per month and the saving per year, from €12 on Compact to €96 on Complete.