Holded vs Pleo Comparison
Compare Holded vs Pleo features, pricing, and more.
Last updated: November 2026
Holded
6.1/10
Cloud business management suite from Barcelona that combines invoicing, accounting, Spanish tax filing, CRM, projects and HR for small and mid-sized Spanish businesses.
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.8/10 |
| Scalability | 5/10 | 6/10 |
| Analytics | 6/10 | 6/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 5/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 6/10 | 6/10 |
| Customization | 6/10 | 6/10 |
| Ease of Use | 7/10 | 9/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €15/mo Plus | £8/user/mo Start |
| Estimated cost for 10 users | €199/mo Premium | £80/mo Start |
| Features | ||
| General Ledger | ||
| Payroll | ||
| Expense Management | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Tax Compliance | Not listed | |
Holded vs Pleo cost by team size
| Team size | Holded | Pleo |
|---|---|---|
| 1 user | €15/moPlus | £8/moStart |
| 5 users | €99/moAvanzado | £40/moStart |
| 10 users | €199/moPremium | £80/moStart |
| 25 users | €15/moPlus | £200/moStart |
| 50 users | €15/moPlus | £400/moStart |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Holded
- Higher Compliance score (8/10 vs 7/10)
- Includes General Ledger, which Pleo lacks
- Includes Payroll, which Pleo lacks
Why choose Pleo
- Higher Security score (7/10 vs 5/10)
- Higher Ease of Use score (9/10 vs 7/10)
- Better fit for enterprise (4/10 vs 2/10)
Pros & Cons
Holded
Pros
- Generates Spanish VAT and income tax forms automatically from invoice and expense data, with VeriFactu included on every plan.
- Puts invoicing, accounting, CRM, projects and HR in one product, so a small Spanish company can replace several tools.
- Partner accounting firms get their own profile without using up a user seat.
- Native Shopify, WooCommerce and Amazon sync sends sales straight into the books.
- A 14-day free trial with no card required, plus 50 percent off for the first three months.
Cons
- Full double-entry accounting only begins at the 59 euro Estándar plan.
- Inventory, payroll, POS and SII are paid Gems that push the real cost above the listed price.
- Paying annually gives no discount, and each plan caps the number of invoices per calendar year.
- Automated tax filing only works for businesses based in Spain.
- Reviewers say support is slow at tax deadlines and the mobile app does less than the web version.
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.1/10 for Holded. The largest gap is in Ease of Use: 7/10 for Holded and 9/10 for Pleo.
No, neither Holded nor Pleo lists a free plan.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 2/10 for Holded.
Holded has General Ledger and Payroll, which Pleo lacks.
