Key takeaways
- Holded users are freelancers and small businesses, mostly in Spain.
- Vergo ranks first for project and tag coding on existing cards.
- Expensify and Zoho Expense focus on reports; SAP Concur on travel at scale.
- Holded Cards are an alternative if you are willing to change cards.
Where should you go next?
- Vergo's Holded integration
- What expense management software integrates with Holded?
- Get started with Vergo
How do the options rank for Holded users?
- Vergo: best overall. Account, project and tags by inference, text receipts, existing cards, purchase invoices through the API.
- Expensify: best for simple expense reports on existing cards.
- Zoho Expense: best for businesses already on Zoho.
- SAP Concur: best for larger travel programmes.
What matters most for Holded users?
- Project profitability, which depends on project coding.
- Simple capture for small teams.
- VAT-ready documents for every purchase.
Why does Vergo rank first for Holded?
Holded already scans documents well. What small teams lack is time to code each purchase to the right project and tags and to chase missing receipts. Vergo proposes the coding by inference from your own accounting structure and history — no rule library to build, no keyword lists to maintain, and new vendors are coded on first sight. Every coding shows why it was chosen, so a reviewer confirms in seconds instead of re-coding by hand.
Do you have to change cards?
No. Vergo does not issue cards. Connecting your existing cards involves no card applications, no re-issuing and no banking change. Holded can keep syncing the same card accounts.
Who is Vergo a fit for on Holded?
Growing agencies, consultancies and service businesses on Holded with several employees on company cards and project-based reporting.
What should Holded users test before choosing?
Take a week of real card receipts, including one that mixes two projects and one simplified invoice from a café or taxi. Check whether each tool gets the account, project and tags right without the owner stepping in, whether the document type is right for VAT purposes, and whether the result lands in Holded as a purchase that posts its own journal entry. Vergo is built to pass that test on the cards you already have.
Frequently Asked Questions
How is Vergo different from Holded Cards?
Holded Cards are Holded's own cards. Vergo works with the cards you already have and proposes the coding.
How is Vergo different from Expensify for Holded?
Expensify builds expense reports. Vergo codes each purchase as it happens and collects the receipt by text.
Does Vergo support VAT?
Tell us how VAT is set up in your Holded account when you get started.
How do we start?
Get started and tell us how many people spend on cards.
Does Vergo handle supplier invoices?
Yes. Card spend, employee reimbursements and AP invoices run through one coding model — same coding, same review, one reconciliation — and payment stays on the rails you already use.
