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Holded alternative · Dedicated treasury with AI forecasting

Holded does everything — invoicing, CRM, projects, accounting. Trezy does one thing: deep treasury, with 12-month cash flow forecast.
If you've outgrown what Holded offers in treasury (cash flow scenarios start at the Advanced plan at €49.50/mo), Trezy gives you 12-month AI forecast, 2,000+ European banks and multi-entity from €7.50/month.
Trezy Starter
€7.50
per month
Setup in 5 minutes · no credit card
Holded Básico
€14.50
per month
Cash scenarios only from €49.50/month
Try Trezy Free →
✓ 14-day free trial
✓ Setup in 5 minutes
✓ No commitment, cancel anytime
Trezy vs Holded

Your profile, your solution

🎯

Choose Trezy if:

  • ✓ You need cash flow scenarios at SMB pricing (not €49.50/mo)
  • ✓ You want 2,000+ European banks, not just 1 (Holded Plus) or 5 (Básico)
  • ✓ You want a 5-minute setup, not an ERP deployment
  • ✓ You want multi-entity consolidation included, not a Premium add-on
  • ✓ You prioritize treasury depth over all-in-one breadth
🏆

Holded might be better if:

  • • You want a single tool for CRM, projects, invoicing and accounting
  • • You already use Holded as your ERP and basic cash visibility is enough
  • • Your budget for cash flow specifically is €49.50/month or more
  • • You prefer one all-in-one tool over a best-of-breed stack

Key differentiation points

⚡ Trezy: dedicated treasury with AI

  • • 12-month AI forecast with what-if scenarios from the Starter plan
  • • 400+ AI categories, automatic
  • • 2,000+ European banks (Sabadell, BBVA, CaixaBank, Santander, Bankinter, ING)
  • • Treasury alerts included, real-time consolidation

🏭 Holded: all-in-one Spanish ERP

  • • CRM, projects, invoicing, accounting, HR
  • • Basic treasury (balances and reconciliation)
  • • Cash flow scenarios in Advanced plan only (€49.50/mo)
  • • Treasury alerts in Premium tiers

📊 Different target markets

Trezy SMBs seeking deep, dedicated treasury
Holded SMBs seeking a single all-in-one ERP

Detailed comparison Trezy vs Holded

Criteria Trezy Holded
Criterion Setup time Several days (CRM, projects, accounting)
💰 Annual price €0 / €90 / €390 (3 plans) €3,000-9,000+ (custom pricing)
🎯 Product focus Dedicated treasury with AI 2-4 weeks with support
🏦 Bank coverage 2,000+ European banks from €7.50 1 bank (Plus) · 5 banks (Básico)
📊 Cash flow forecast 12-month AI forecast · what-if from Starter Dedicated support with CSM
🤖 Categorization 400+ automatic AI categories Manual rules / chart of accounts
Treasury alerts Included, real-time consolidation Advanced manual forecasts
Treasury alerts Yes, customizable thresholds ✓ Native consolidation
Free trial ✓ Advanced ✓ Advanced
Commitment No commitment, cancel anytime 12 months minimum
Free trial 14 days 14-day trial

Why we compare

We recognize Holded as a market leader for structured SMBs. Our goal is to help small businesses choose the solution best suited to their specific needs. Trezy positions itself differently with a simple AI approach for small structures. We encourage you to test both solutions to make the best choice.

Discover Trezy in Action

Test the interface in real-time. See for yourself why it's 10x simpler than Holded.

Operational in 5 minutes with Trezy

Everything is instant thanks to our AI - no manual configuration

1. Instant connection

Lightning bolt icon for instant feature
Connect your banks in 1 click via PSD2. Immediate sync of your last 24 months of history.
⚡
10 seconds

2. AI auto-categorizes

Lightning bolt icon for instant feature
Trezy analyzes your transactions with 400+ automatic AI categories. No chart of accounts import, no accountant needed.
🤖
10 seconds

3. Forecasts ready

Lightning bolt icon for instant feature
Your 12-month forecasts are already there. Scenarios, alerts, everything is automatically configured.
🚀
10 seconds
Start my free trial →
14-day free trial • No credit card • No commitment

Frequently asked questions

Everything you need to know to choose the right solution
Can I import my data from another solution? +
Yes, Trezy allows you to import your data from Excel, CSV or via API. Our team assists you to facilitate the transition from any existing solution.
How does Trezy differ from Holded's treasury? +
Trezy is designed for SMBs without a finance team, with a simple AI approach and 3 plans: Free (€0), Starter (€90/year), and Premium (€390/year). Holded targets mid-market companies with more complex needs and offers a comprehensive platform with custom pricing starting at €14.50.
Will I lose my historical data? +
No, we import up to 24 months of history. Your forecasts, categorizations and reports are preserved. You'll find everything in Trezy, organized more clearly.
How long does setup actually take? +
Absolutely! We recommend testing both solutions to make the best choice. Trezy offers a 14-day free trial, and Holded offers personalized demos.
Is there a commitment with Trezy? +
No, Trezy works without commitment. You can cancel anytime. This is an important differentiator compared to solutions with annual commitments.

Find the treasury solution
tailored to your needs

Trezy for simple SMBs • Holded for complex mid-market
Test for free and make your choice

✓ 14-day trial
✓ No credit card
✓ Support included
PLAN BEZPŁATNY NA ZAWSZE

Zacznij zarządzać swoimi finansami za darmo

Dołącz do ponad 2500 firm korzystających z Trezy. Nasz bezpłatny plan daje Ci prawdziwą widoczność finansową — uaktualnij w dowolnym momencie, aby uzyskać zaawansowane funkcje, takie jak prognozowanie AI i synchronizacja wielobankowa.

Plan bezpłatny na zawsze
Bez karty kredytowej
Gotowe w mniej niż 5 minut
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Trezy vs Holded: choosing the right treasury tool for your Spanish business

When comparing treasury solutions in Spain, three factors matter most: forecast depth, banking coverage, and pricing clarity. This comparison helps you decide when a dedicated treasury tool beats an all-in-one ERP.

💰 Treasury-focused vs all-in-one pricing

Trezy: dedicated treasury from €7.50/month (free plan available). Holded: €7.50/month Plus or €14.50/month Básico — but cash flow scenarios only appear from the Advanced plan at €49.50/mo. For SMBs wanting serious treasury without paying for CRM they don't need, Trezy is cheaper and deeper.

⚡ 5-minute setup vs ERP deployment

With Trezy you connect your banks and see insights in minutes. Self-service setup. Holded, as an all-in-one ERP, typically needs several days to configure CRM, projects, accounting and employees — useful if you want all of that, overkill if you just need cash flow.

🏦 Spanish banking coverage

Trezy connects to 2,000+ European banks via PSD2/open banking — full Spanish coverage: Banco Sabadell, BBVA, CaixaBank, Santander, Bankinter, ING España, Kutxabank, Openbank, Abanca and all the cajas. Holded Plus connects 1 bank, Básico 5.

🤖 AI forecast vs basic balances

Trezy includes 12-month AI forecast and what-if scenarios from the Starter plan. Holded offers basic balances and reconciliation; scenarios start at €49.50/month (Advanced). For SMBs planning growth or stress-testing a hire, the difference is significant.

🎯 Dedicated treasury vs all-in-one

Trezy is purpose-built for treasury: 12-month AI forecast, what-if scenarios, multi-entity, 2,000+ banks. Holded is an all-in-one ERP — great if you want CRM + projects + accounting, less deep if cash flow is your main priority.

🆓 Free trial, no credit card

Trezy offers a 14-day free trial with full access — no credit card required. Evaluate the platform risk-free before committing and compare side-by-side with Holded or any other tool.

Why Spanish SMBs pick Trezy over Holded (for treasury)

Holded is a capable all-in-one ERP, but many Spanish SMBs hit its treasury ceiling quickly: cash flow scenarios are locked behind the €49.50/mo Advanced plan, and bank coverage caps at 1-5 connections. Trezy delivers deep treasury — 12-month AI forecast, 2,000+ banks, multi-entity — from €7.50/month.

Plus, Trezy's AI-first approach improves as you use it. And since Trezy connects to your banks independently, it works alongside Holded — keep Holded for CRM and invoicing, add Trezy for cash flow.

Thousands of SMBs across Europe have switched to Trezy. Join them and see the difference a dedicated treasury tool makes.

Try Trezy Free for 14 Days

Join Spanish SMBs who picked dedicated treasury over all-in-one ERP. 14 days free, no credit card, no commitment.

Start Free Trial