Key takeaways
- Built in: bank feeds, credit card feeds, AP automation and receipt capture.
- Partly covered: expense claim approvals and approval workflows.
- Vergo works with any card from any bank and posts coded spend into Holded.
Where should you go next?
- Does Holded have bank and credit card feeds?
- Does Holded have AP automation built in?
- Does Holded have receipt capture or a mobile expense app?
- Does Holded have approval workflows for invoices and expenses?
- Does Holded have built-in expense management?
- What are the best expense management add-ons for Holded?
- Vergo's Holded integration
- Get started with Vergo
Holded AP and expense capabilities at a glance
| Capability | In Holded? | What the documentation shows |
|---|---|---|
| Bank feeds | Yes | Treasury > Accounts connects bank accounts through third-party aggregation providers (vendor cites 300+ banks, mainly Spanish), syncing automatically on a 12-24 hour cycle or manually within each bank's history window. |
| Credit card feeds | Yes | Credit cards can be added as card-type accounts that sync through the bank connection (American Express is in the supported list); debit cards don't sync and need a statement import. |
| AP automation (invoice capture and processing) | Yes | Expenses > Inbox takes supplier invoices by a dedicated email address, desktop upload or the mobile app, and an OCR scanner turns them into draft purchase documents for review before approval. |
| Receipt capture and mobile expenses | Yes | The Holded iOS/Android app photographs receipts into the Inbox, where the OCR scanner extracts data into a purchase or ticket (simplified invoice) document. |
| Expense claim approvals | Partly | Employee expense reports can be sent into the Inbox and converted to purchase documents that an accounting user reviews and approves, but no dedicated employee expense-claim, approver-routing or reimbursement workflow is documented (HR approval flows cover absences and time records). |
| Approval workflows (invoices, POs, payments) | Partly | Purchase documents can be held in draft and then approved (posted), with access controlled by roles: predefined roles from the Standard plan and custom roles from the Advanced plan. However, no configurable multi-step approval workflow for purchase invoices or POs is documented. |
What to budget for
- Expense claim approvals (partly): employee expense report and reimbursement app and invoice approval workflow tool.
- Approval workflows (invoices, POs, payments) (partly): invoice approval workflow tool.
Add-ons Holded teams commonly consider
- Spend management / corporate card platform
- Employee expense report and reimbursement app
- Invoice approval workflow tool
- Bank reconciliation rules add-on (vendor store)
Where Vergo fits with Holded
Vergo integrates with Holded and posts coded card spend into it; for Holded, the live integration covers expense management. It works with any card from any bank — connecting your existing cards involves no card applications, no re-issuing and no banking change. Employees send receipts by text or from their phone, and Vergo chases missing receipts itself instead of waiting for a report. 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. The proposal covers the account, project and tags, and every coding shows why it was chosen, so a reviewer confirms in seconds instead of re-coding by hand. Approval workflows are optional and fit how you already control spend: route by GL account, by amount, or by project — or skip approval flows entirely and let policy flags catch only what breaks a rule.
About Holded
Typical users: Spanish freelancers and small businesses wanting invoicing, accounting, banking, inventory, projects and HR in one cloud app. Deployment: cloud. Status: Acquired by Visma.
Frequently Asked Questions
Which Holded capabilities need an add-on?
Per Holded's documentation, expense claim approvals and approval workflows are partial or missing.
Does Vergo replace Holded?
No. Holded stays your ledger. Vergo integrates with Holded and posts coded entries into it.
Do we need new cards?
No. Vergo works with any card from any bank; connecting your existing cards involves no card applications, no re-issuing and no banking change.
How current is this?
Each answer was checked against Holded's public documentation on September 30, 2026.
