Holded vs Sevdesk (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 Sevdesk if

• Fits if you're a German freelancer who must send e-invoices
• Works for small businesses that share books with a tax adviser through DATEV

Look elsewhere if

• Tight if you're on Free: 3 invoices a month
• Not for you if you're outside Germany and Austria, since it's built around German tax rules
• Pricey if you want bookkeeping and bank connection: Accounting is €25.90 a month, Accounting Pro €34.90
• Watch out: marketplace integrations may carry partner fees outside the plan price

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.

Sevdesk

• Built around German tax rules; the page says included features vary by country, with versions for Germany and Austria.
• The Free plan stops at 3 invoices or e-invoices a month.
• Prices shown are monthly-billed and exclude VAT; 12 and 24-month terms are offered at 25% and 50% off.
• Marketplace integrations may carry partner fees that are not part of the plan price.

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.

Sevdesk

E-invoices and quotes

Create invoices, quotes and delivery notes in your own layout, with ZUGFeRD and XRechnung e-invoice formats from the Free plan.

Receipt capture

Scan receipts with the mobile app or upload them; the system suggests a booking category and matches them to bank transactions.

Advance VAT returns

Prepare the advance VAT return and send it to the tax office through the ELSTER interface from the Accounting plan.

Bank connection

Connect online banking, which the page says supports more than 4,000 banks, and match payments to invoices.

Tax adviser access

A DATEV and ADDISON interface and direct account access let a tax adviser work on the data.

Reminders and dunning

Send payment reminders from the Invoicing plan and run multi-level dunning notices from the Accounting plan.

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.

Sevdesk

• Free€0.00

  Up to 3 invoices or e-invoices a month in ZUGFeRD and XRechnung formats, unlimited contacts.

• Invoicing€12.90

  per month, billed monthly, excl. VAT

  Unlimited invoices and quotes, payment reminders, DATEV interface, tax adviser access and support.

• Accounting€25.90

  per month, billed monthly, excl. VAT

  Adds bookkeeping, AI receipt capture, bank connection, advance VAT returns, EÜR and trial balance.

• Accounting Pro€34.90

  per month, billed monthly, excl. VAT

  For automating bookkeeping and watching the business in real time; extends the Accounting plan.

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%.

Sevdesk

• Annual discount

  25% off a 12-month term, 50% off 24 months

  The pricing section offers 12-month and 24-month terms marked as 25% and 50% cheaper than paying month to month.