Does Holded have built-in expense management?

Key takeaways

• Yes: Holded's Expenses section covers purchase invoices, simplified invoices, corrective and recurring invoices, with an OCR scanner.
• The Inbox collects files from email, the mobile app and desktop.
• Holded Cards are Holded's own cards; external cards can be connected as bank accounts that sync every 24 hours.
• Vergo adds proposed coding and text-message receipts for businesses keeping their current cards.

Where should you go next?

• Vergo's Holded integration
• What expense management software integrates with Holded?
• Get started with Vergo

What does Holded include for expenses?

• Expenses section with four document types, each posting a journal entry.
• Scanner included on every plan.
• Inbox for receipts and employee expense reports.
• Holded Cards, virtual and physical, with limits per employee.
• Bank reconciliation rules as an add-on from the Holded Store.

How does card spend reach Holded?

With Holded Cards, payments land in Treasury automatically. With a bank's cards, the card account is connected as a bank gateway that syncs daily, or kept offline for manual entry, and each purchase is matched to a document in Expenses.

Where does that leave work?

• Coding account, project and tags on every purchase.
• Getting receipts from employees into the Inbox.
• Approval, which Holded's help centre does not describe as a formal workflow.

When is a separate tool worth it?

When you want to keep your bank's cards and several people spend. 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. Vergo records coded purchase invoices through the Holded API, so Holded's journal entries follow automatically.

How Vergo works alongside Holded

Holded stays your ERP. Employees handle everything by text message — no app to download, no portal login — and Vergo chases missing receipts itself instead of waiting for a report. Every coding shows why it was chosen, so a reviewer confirms in seconds instead of re-coding by hand.

Which Holded plan includes the expense tools?

Holded lists the scanner as unlimited on every paid plan, from Plus to Premium, and there is no free plan. The plans differ mainly in users and connected banks: Plus includes one bank, Basic five, and Standard and above unlimited. A business that wants every employee card account connected as a bank gateway will usually need Standard or higher. Vergo does not depend on how many banks your plan connects, because it takes transactions from the cards directly.