| Criterion | Trezy | Holded |
|---|---|---|
| Setup time | 5 minutes, self-service | Several days (CRM, projects, accounting) |
| 💰 Starting price | €7.50/month Starter (free plan available) | €7.50/mo Plus (1 user) · €14.50/mo Básico |
| 🎯 Product focus | Dedicated treasury with AI | All-in-one ERP (CRM, invoices, projects, HR) |
| 🏦 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 | Scenarios only in Advanced plan (€49.50/mo) |
| 🤖 Categorization | 400+ automatic AI categories | Manual rules / chart of accounts |
| Multi-entity | Included, real-time consolidation | Premium plans only |
| Treasury alerts | Yes, customizable thresholds | Not native |
| Free trial | 14 days | 14-day Holded trial |
| Commitment | No commitment | Monthly or annual |
| Free trial | 14 days | 14-day trial |
Holded is a strong all-in-one Spanish ERP. Our goal is to help SMBs decide when a dedicated treasury tool — with 2,000+ banks, 12-month AI forecast and multi-entity from €7.50/month — is the better fit.
Trezy for dedicated treasury • Holded for all-in-one ERP
Test Trezy free — from €7.50/mo, 14 days free.
Join 2,500+ businesses using Trezy. Our free plan gives you real financial visibility — upgrade anytime for advanced features like AI forecasting and multi-bank sync.
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.
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.
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.
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.
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.
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.
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.
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.
Join Spanish SMBs who picked dedicated treasury over all-in-one ERP. 14 days free, no credit card, no commitment.
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