# Holded vs Qonto Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Qonto excels in user experience, with many praising its intuitive web interface and mobile app, which allows for quick operations. Users appreciate the application's reliability and the helpfulness of customer support, making it a strong choice for those seeking ease of use.
- **Users say** that Holded offers flexibility and is easy to set up, which is particularly beneficial for small businesses with limited resources. Recent feedback highlights its capability to scan invoices, making it a practical option for users who prioritize straightforward invoice management.
- **According to verified reviews** , Qonto stands out for its robust support system, with users noting the quick response times and availability of assistance. This level of support is crucial for businesses that may need immediate help with financial operations.
- **Reviewers mention** that Holded, while offering a good range of features, sometimes struggles to meet specific workflow needs, which can lead to configuration challenges. This aspect may be a consideration for users with more complex requirements.
- **G2 reviewers highlight** that Qonto's pricing is competitive, starting at €9.00, which many users find reasonable given the quality of service and features provided. This affordability, combined with its comprehensive offerings, makes it an attractive option for small businesses.
- **Users report** that Holded has a lower overall satisfaction score compared to Qonto, which may reflect its smaller user base and fewer recent reviews. While it has its strengths, such as invoice scanning, the limited feedback suggests that Qonto may be the more reliable choice for those seeking a well-supported and widely endorsed solution.




| | Holded | Qonto | 
|---|---|---|
| **Star Rating** | 4.1 out of 5 | 4.6 out of 5 | 
| **Total Reviews** | 28 | 171 | 
| **Largest Market Segment** | Small-Business (85.2% of reviews) | Small-Business (94.9% of reviews) | 
| **Entry Level Price** | €0.00 | €9.00 Per Month | 

---
## Top Pros & Cons

### Holded

Pros:
- Accounts Payable (1 reviews)
- Easy Upload (1 reviews)

Cons:
- Expensive (1 reviews)

### Qonto

Pros:
- Ease of Use (21 reviews)
- Customer Support (9 reviews)

Cons:
- Expensive (4 reviews)
- Implementation Issues (4 reviews)

---
## Ratings Comparison
| Rating | Holded | Qonto | 
|---|---|---|
  | **Meets Requirements** | 8.0 (20 reviews) | 8.8 (108 reviews) | 
  | **Ease of Use** | 8.3 (20 reviews) | 9.4 (109 reviews) | 
  | **Ease of Setup** | 7.9 (12 reviews) | 9.5 (96 reviews) | 
  | **Ease of Admin** | 8.0 (11 reviews) | 9.6 (38 reviews) | 
  | **Quality of Support** | 7.2 (20 reviews) | 9.0 (103 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.2 (11 reviews) | 8.6 (38 reviews) | 
  | **Product Direction (% positive)** | 8.3 (20 reviews) | 8.9 (102 reviews) | 

---
## Pricing

### Holded

#### Entry-Level Pricing

Plan: Free

Price: €0.00

Description: Get started with Holded 

Key Features:
- 30 invoices per year
- 5 free scans per year
- 1 user + accountant

[Browse all 4 editions](https://www.g2.com/products/holded/pricing)

#### Free Trial

Yes

### Qonto

#### Entry-Level Pricing

Plan: Basic

Price: €9.00 Per Month

Key Features:
- 1 x One Card Mastercard with €20,000/month payment limit
- 30 transfers or direct debits/month
- 1 account

[Browse all 6 editions](https://www.g2.com/products/qonto/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **Holded** | N/A | N/A |
| **Qonto** | 8.1/10 | 80 |

#### Expense Reports

| Feature | Holded | Qonto | 
|---|---|---|
| **Ease of Creating Expense Reports** | Not enough data | 8.2 (58 reviews) | 
| **Bank / Credit Card Integration** | Not enough data | 8.8 (56 reviews) | 
| **Smart Categorization** | Not enough data | 8.2 (56 reviews) | 
| **Digital Receipt Management** | Not enough data | 8.9 (60 reviews) | 
| **Employee Reimbursement** | Not enough data | 8.1 (43 reviews) | 
| **Currency Conversions** | Not enough data | Feature Not Available | 
| **Corporate Card** | Not enough data | Feature Not Available | 
| **Credit Card Management** | Not enough data | Not enough data | 

#### Agentic AI - Expense Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | 

#### Travel Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Ease of Booking** | Not enough data | Feature Not Available | 
| **Itinerary Management** | Not enough data | Feature Not Available | 
| **Trip Notifications** | Not enough data | Feature Not Available | 
| **Advanced Integrations** | Not enough data | Feature Not Available | 
| **Online Booking** | Not enough data | Not enough data | 
| **Credit Card Management** | Not enough data | Not enough data | 
| **Booking Management** | Not enough data | Not enough data | 
| **User Management** | Not enough data | Not enough data | 
| **Restriction Management** | Not enough data | Not enough data | 
| **Reservations Management** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Travel Management** | Not enough data | Not enough data | 
| **Promotions Management** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | Not enough data | 
| **Supplier Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Policy Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Real-Time Notifications** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Timesheet Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 
| **Real-Time Notifications** | Not enough data | Not enough data | 

#### Client Invoicing

| Feature | Holded | Qonto | 
|---|---|---|
| **Invoice Creation and Delivery** | Not enough data | 8.0 (60 reviews) | 
| **Electronic Payments** | Not enough data | 8.3 (46 reviews) | 
| **Project Accounting / Revenue Recognition** | Not enough data | 8.1 (48 reviews) | 
| **Biometric Recognition** | Not enough data | Not enough data | 
| **Optical Character Recognition** | Not enough data | Not enough data | 

#### Generative AI - Expense Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Additional Functionality

| Feature | Holded | Qonto | 
|---|---|---|
| **Audit Trail** | Not enough data | Not enough data | 
| **Secure Data Storage** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Data Import/Export** | Not enough data | Not enough data | 
| **Duplicate Detection** | Not enough data | Not enough data | 
| **Expense Claims** | Not enough data | Not enough data | 
| **Budgeting/Forecasting** | Not enough data | Not enough data | 
| **Customizable Fields** | Not enough data | Not enough data | 
| **Spend Control** | Not enough data | Not enough data | 
| **Customizable Templates** | Not enough data | Not enough data | 
| **Access Controls/Permissions** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Automated Receipt Matching** | Not enough data | Not enough data | 
| **Mobile Receipt Upload** | Not enough data | Not enough data | 
| **Billable & Non-Billable Hours** | Not enough data | Not enough data | 
| **Financial Analysis** | Not enough data | Not enough data | 
| **Categorization/Grouping** | Not enough data | Not enough data | 
| **Single Sign On** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 

#### Mobile

| Feature | Holded | Qonto | 
|---|---|---|
| **Receipt Capture** | Not enough data | 8.8 (56 reviews) | 
| **Mileage Tracking** | Not enough data | Feature Not Available | 
| **Travel Itinerary and Flight Status Updates** | Not enough data | Feature Not Available | 
| **Expense Tracking** | Not enough data | Not enough data | 
| **Real-Time Updates** | Not enough data | Not enough data | 

#### Platform

| Feature | Holded | Qonto | 
|---|---|---|
| **Embedded AI / Machine Learning** | Not enough data | Feature Not Available | 
| **Complex Approval Workflow** | Not enough data | 7.2 (37 reviews) | 
| **Generative AI** | Not enough data | Not enough data | 

#### Administration

| Feature | Holded | Qonto | 
|---|---|---|
| **PCI Regulation Compliant** | Not enough data | 8.1 (36 reviews) | 

#### Administration

| Feature | Holded | Qonto | 
|---|---|---|
| **Business Tool Integration** | Not enough data | 7.9 (47 reviews) | 
| **Workflow** | Not enough data | 7.7 (45 reviews) | 
| **Automated Reminders** | Not enough data | 7.5 (44 reviews) | 
| **Policy Compliance Management** | Not enough data | 6.7 (38 reviews) | 
| **User, Role, and Access Management** | Not enough data | 8.1 (44 reviews) | 
| **Timesheet Management** | Not enough data | Not enough data | 
| **Payroll Management** | Not enough data | Not enough data | 
| **Employee Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Calendar Management** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Task Management** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 

#### Platform

| Feature | Holded | Qonto | 
|---|---|---|
| **Reporting** | Not enough data | 7.8 (43 reviews) | 
| **APIs / Integration** | Not enough data | 8.0 (40 reviews) | 
| **Internationalization** | Not enough data | 7.5 (38 reviews) | 
| **Performance and Reliability** | Not enough data | 9.0 (57 reviews) | 
| **Mobile User Support** | Not enough data | 8.6 (49 reviews) | 
| **Offline** | Not enough data | Feature Not Available | 
| **Accounting Integration** | Not enough data | Not enough data | 
| **QuickBooks Integration** | Not enough data | Not enough data | 
| **Real-Time Reporting** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Payroll Integration** | Not enough data | Not enough data | 
| **Accounting Integration** | Not enough data | Not enough data | 

### Accounting

| Product | Score | Reviews |
|---|---|---|
| **Holded** | 8.5/10 | 17 |
| **Qonto** | N/A | N/A |

#### General Ledger

| Feature | Holded | Qonto | 
|---|---|---|
| **Journal Entries** | 8.4 (15 reviews) | Not enough data | 
| **Tags / Dimensions** | 8.1 (15 reviews) | Not enough data | 
| **Audit Trail** | 8.3 (14 reviews) | Not enough data | 

#### AI Assistant - Accounting

| Feature | Holded | Qonto | 
|---|---|---|
| **AI Accounting Assistant** | Not enough data | Not enough data | 

#### Accounts Receivable

| Feature | Holded | Qonto | 
|---|---|---|
| **Invoice Customization** | 8.6 (15 reviews) | Not enough data | 
| **AR Automation** | 8.8 (15 reviews) | Not enough data | 
| **Collections Automation** | 8.7 (15 reviews) | Not enough data | 

#### Accounts Payable

| Feature | Holded | Qonto | 
|---|---|---|
| **AP Automation** | 8.7 (14 reviews) | Not enough data | 
| **Payment Processing** | 8.5 (16 reviews) | Not enough data | 
| **Purchase Orders** | 8.7 (13 reviews) | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Purchase Order Management** | Not enough data | Not enough data | 
| **ACH Payment Processing** | Not enough data | Not enough data | 
| **Electronic Payments** | Not enough data | Not enough data | 
| **Electronic Payments** | Not enough data | Not enough data | 
| **Credit Card Processing** | Not enough data | Not enough data | 

#### Other Functionality

| Feature | Holded | Qonto | 
|---|---|---|
| **Inventory Tracking / Ordering** | 8.3 (14 reviews) | Not enough data | 
| **Inventory Pricing and Costing** | 8.7 (14 reviews) | Not enough data | 
| **Inventory Reporting** | 7.5 (14 reviews) | Not enough data | 
| **Multi-Entity / Consolidation** | 7.8 (13 reviews) | Not enough data | 
| **Recognition Rules** | 8.8 (13 reviews) | Not enough data | 
| **Reconciliations** | 8.7 (14 reviews) | Not enough data | 
| **Payroll** | 8.8 (12 reviews) | Not enough data | 
| **Time and Expense** | 8.8 (11 reviews) | Not enough data | 
| **Cost Tracking** | Not enough data | Not enough data | 
| **Time Tracking** | Not enough data | Not enough data | 
| **Status Tracking** | Not enough data | Not enough data | 
| **Budget Tracking** | Not enough data | Not enough data | 

#### Reporting & Analytics

| Feature | Holded | Qonto | 
|---|---|---|
| **Financial Statements** | 8.7 (15 reviews) | Not enough data | 
| **Custom Reporting** | 8.8 (16 reviews) | Not enough data | 
| **Budgeting / Forecasting** | 8.4 (15 reviews) | Not enough data | 
| **Dashboards** | 9.1 (15 reviews) | Not enough data | 
| **Financial Reporting** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 

#### Platform

| Feature | Holded | Qonto | 
|---|---|---|
| **Customization** | 8.6 (16 reviews) | Not enough data | 
| **Workflow Capability** | 8.6 (14 reviews) | Not enough data | 
| **User, Role, and Access Management** | 8.8 (15 reviews) | Not enough data | 
| **Internationalization** | 9.0 (13 reviews) | Not enough data | 
| **Performance and Reliability** | 8.6 (16 reviews) | Not enough data | 
| **Output Document Generation** | 8.9 (15 reviews) | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 

#### Integration

| Feature | Holded | Qonto | 
|---|---|---|
| **Data Import and Export Tools** | 8.9 (14 reviews) | Not enough data | 
| **Integration APIs** | 8.3 (13 reviews) | Not enough data | 
| **Breadth of Partner Applications** | 8.8 (15 reviews) | Not enough data | 
| **Collaboration Tools** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Accounting Integration** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 

#### Cash Flow

| Feature | Holded | Qonto | 
|---|---|---|
| **Track Cash Flow** | 8.6 (12 reviews) | Not enough data | 
| **Income and Expenses** | 8.7 (13 reviews) | Not enough data | 
| **File Exports** | 8.5 (13 reviews) | Not enough data | 

#### Budgeting & Forecasting

| Feature | Holded | Qonto | 
|---|---|---|
| **Budgeting / Forecasting** | 8.4 (15 reviews) | Not enough data | 
| **Data Import** | 8.5 (13 reviews) | Not enough data | 
| **Versioning** | 7.9 (12 reviews) | Not enough data | 
| **Historical Data** | 8.2 (12 reviews) | Not enough data | 

#### Revenue

| Feature | Holded | Qonto | 
|---|---|---|
| **Revenue Types** | 8.5 (13 reviews) | Not enough data | 
| **Revenue Allocation** | 8.5 (12 reviews) | Not enough data | 
| **Scheduling** | 8.3 (12 reviews) | Not enough data | 

#### Payroll

| Feature | Holded | Qonto | 
|---|---|---|
| **Direct Deposit** | 8.5 (8 reviews) | Not enough data | 
| **Check/W-2 Printing** | 8.8 (8 reviews) | Not enough data | 
| **Tax Calculation** | 8.3 (9 reviews) | Not enough data | 
| **Reporting and Dashboards** | 8.8 (8 reviews) | Not enough data | 

#### AI

| Feature | Holded | Qonto | 
|---|---|---|
| **Data Extraction** | Not enough data | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Expense Management** | Not enough data | Not enough data | 
| **Fraud Detection** | Not enough data | Not enough data | 
| **Tax Compliance** | Not enough data | Not enough data | 
| **Support Chatbots** | Not enough data | Not enough data | 
| **Bank Reconciliations** | Not enough data | Not enough data | 
| **Report Generation** | Not enough data | Not enough data | 
| **Customizable Alerts** | Not enough data | Not enough data | 
| **Predictive Analytics** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Payroll Management** | Not enough data | Not enough data | 
| **Sales Tax Management** | Not enough data | Not enough data | 
| **Audit Management** | Not enough data | Not enough data | 
| **Tax Management** | Not enough data | Not enough data | 
| **Fixed Asset Management** | Not enough data | Not enough data | 
| **Reporting/Analytics** | Not enough data | Not enough data | 
| **Order Management** | Not enough data | Not enough data | 
| **Sales Order Management** | Not enough data | Not enough data | 
| **Cash Flow Management** | Not enough data | Not enough data | 
| **Cash Management** | Not enough data | Not enough data | 
| **Real-Time Data** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Credit Card Processing** | Not enough data | Not enough data | 
| **Financial Consolidation & Close Management** | Not enough data | Not enough data | 
| **Transaction Management** | Not enough data | Not enough data | 

#### Mobile Applications - Accounting

| Feature | Holded | Qonto | 
|---|---|---|
| **Cloud Integration** | Not enough data | Not enough data | 
| **Notifications** | Not enough data | Not enough data | 
| **UI** | Not enough data | Not enough data | 
| **Offline** | Not enough data | Not enough data | 
| **Expense Tracking** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Inventory Tracking** | Not enough data | Not enough data | 
| **Inventory Management** | Not enough data | Not enough data | 
| **Financial Management** | Not enough data | Not enough data | 
| **Activity Tracking** | Not enough data | Not enough data | 
| **Document Management** | Not enough data | Not enough data | 
| **Compliance Tracking** | Not enough data | Not enough data | 
| **Notes Management** | Not enough data | Not enough data | 

#### Agentic AI - Accounting

| Feature | Holded | Qonto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

#### Additional Functionality

| Feature | Holded | Qonto | 
|---|---|---|
| **Multi-Location** | Not enough data | Not enough data | 
| **Generative AI** | Not enough data | Not enough data | 
| **Accounts Payable** | Not enough data | Not enough data | 
| **Fund Accounting** | Not enough data | Not enough data | 
| **Quotes/Estimates** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Chart of Accounts** | Not enough data | Not enough data | 
| **Project Accounting** | Not enough data | Not enough data | 
| **Encryption** | Not enough data | Not enough data | 
| **Accounts Receivable** | Not enough data | Not enough data | 
| **Recurring/Subscription Billing** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 
| **Reminders** | Not enough data | Not enough data | 
| **Multi-Currency** | Not enough data | Not enough data | 
| **Access Controls/Permissions** | Not enough data | Not enough data | 
| **Income & Balance Sheet** | Not enough data | Not enough data | 
| **Data Security** | Not enough data | Not enough data | 
| **General Ledger** | Not enough data | Not enough data | 
| **Currency Conversion** | Not enough data | Not enough data | 
| **Customizable Templates** | Not enough data | Not enough data | 
| **Accounting** | Not enough data | Not enough data | 
| **Estimating** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Financial Analysis** | Not enough data | Not enough data | 
| **Transaction History** | Not enough data | Not enough data | 
| **Expense Claims** | Not enough data | Not enough data | 
| **Document Storage** | Not enough data | Not enough data | 
| **SSL Security** | Not enough data | Not enough data | 
| **Categorization/Grouping** | Not enough data | Not enough data | 
| **Automatic Billing** | Not enough data | Not enough data | 
| **Purchasing & Receiving** | Not enough data | Not enough data | 
| **Customer Database** | Not enough data | Not enough data | 
| **For Distributors** | Not enough data | Not enough data | 
| **Bills of Material** | Not enough data | Not enough data | 
| **Financial Data Protection** | Not enough data | Not enough data | 
| **Inventory Control** | Not enough data | Not enough data | 
| **AI/Machine Learning** | Not enough data | Not enough data | 
| **Mobile App** | Not enough data | Not enough data | 
| **Client Portal** | Not enough data | Not enough data | 
| **For CPA Firms** | Not enough data | Not enough data | 
| **Remote Access/Control** | Not enough data | Not enough data | 
| **Cash Flow Analysis** | Not enough data | Not enough data | 
| **Performance Metrics** | Not enough data | Not enough data | 
| **Multi-Company** | Not enough data | Not enough data | 
| **For Small Businesses** | Not enough data | Not enough data | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Holded** | N/A | N/A |
| **Qonto** | N/A | N/A |

#### Setup

| Feature | Holded | Qonto | 
|---|---|---|
| **Data** | Not enough data | Not enough data | 
| **Approvals** | Not enough data | Not enough data | 
| **Alignment** | Not enough data | Not enough data | 
| **Real-Time Data** | Not enough data | Not enough data | 

#### Performance

| Feature | Holded | Qonto | 
|---|---|---|
| **KPIs** | Not enough data | Not enough data | 
| **Benchmarks** | Not enough data | Not enough data | 
| **Forecasting** | Not enough data | Not enough data | 
| **Savings** | Not enough data | Not enough data | 

#### Payment Cards

| Feature | Holded | Qonto | 
|---|---|---|
| **One-time Virtual** | Not enough data | Not enough data | 
| **Recurring Virtual** | Not enough data | Not enough data | 
| **Physical** | Not enough data | Not enough data | 

#### Reporting

| Feature | Holded | Qonto | 
|---|---|---|
| **Real-Time Monitoring** | Not enough data | Not enough data | 
| **Multiple Views** | Not enough data | Not enough data | 
| **Data Import/Export** | Not enough data | Not enough data | 
| **Budgets** | Not enough data | Not enough data | 
| **Real-Time Updates** | Not enough data | Not enough data | 
| **Real-Time Reporting** | Not enough data | Not enough data | 
| **Real-Time Analytics** | Not enough data | Not enough data | 

#### Payments

| Feature | Holded | Qonto | 
|---|---|---|
| **Vendor** | Not enough data | Not enough data | 
| **Recurring** | Not enough data | Not enough data | 
| **Employee Reimbursements** | Not enough data | Not enough data | 
| **ACH** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 

#### Fraud & Risk Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Notifications** | Not enough data | Not enough data | 
| **Unique Cards** | Not enough data | Not enough data | 
| **Controls** | Not enough data | Not enough data | 
| **Budget Control** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Spend Control** | Not enough data | Not enough data | 
| **Prepaid Cards** | Not enough data | Not enough data | 

#### Agentic AI - Spend Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Proactive Assistance** | Not enough data | Not enough data | 

#### Additional Functionality

| Feature | Holded | Qonto | 
|---|---|---|
| **Reminders** | Not enough data | Not enough data | 
| **Activity Tracking** | Not enough data | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Accounting Integration** | Not enough data | Not enough data | 
| **Categorization/Grouping** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Configurable Workflow** | Not enough data | Not enough data | 
| **Spend Analysis** | Not enough data | Not enough data | 
| **Expense Tracking** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Accounting** | Not enough data | Not enough data | 
| **Audit Management** | Not enough data | Not enough data | 
| **Approval Workflow** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Supplier Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 
| **Transaction History** | Not enough data | Not enough data | 
| **Purchase Order Management** | Not enough data | Not enough data | 
| **Audit Trail** | Not enough data | Not enough data | 
| **Generative AI** | Not enough data | Not enough data | 
| **Expense Claims** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Time & Expense Tracking** | Not enough data | Not enough data | 
| **Multi-Currency** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Procurement Management** | Not enough data | Not enough data | 
| **Credit Card Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Requisition Management** | Not enough data | Not enough data | 
| **Customizable Reports** | Not enough data | Not enough data | 
| **Ad hoc Reporting** | Not enough data | Not enough data | 
| **Financial Management** | Not enough data | Not enough data | 
| **API** | Not enough data | Not enough data | 
| **Rules-Based Workflow** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 
| **Purchasing & Receiving** | Not enough data | Not enough data | 

### Procurement Spend Analysis

| Product | Score | Reviews |
|---|---|---|
| **Holded** | N/A | N/A |
| **Qonto** | N/A | N/A |

#### Data Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Consolidation** | Not enough data | Not enough data | 
| **Classification** | Not enough data | Not enough data | 
| **External Sources** | Not enough data | Not enough data | 
| **Integration** | Not enough data | Not enough data | 
| **Cleaning** | Not enough data | Not enough data | 

#### Agentic AI -  Accounts Payable (AP) and Spend Analysis

| Feature | Holded | Qonto | 
|---|---|---|
| **Decision Making** | Not enough data | Not enough data | 

#### Analytics

| Feature | Holded | Qonto | 
|---|---|---|
| **Benchmarking** | Not enough data | Not enough data | 
| **KPIs** | Not enough data | Not enough data | 
| **Compliance** | Not enough data | Not enough data | 
| **Errors** | Not enough data | Not enough data | 

#### Recovery

| Feature | Holded | Qonto | 
|---|---|---|
| **Historical payments** | Not enough data | Not enough data | 
| **Overpayments** | Not enough data | Not enough data | 

#### AP Data Processing

| Feature | Holded | Qonto | 
|---|---|---|
| **Workflows** | Not enough data | Not enough data | 
| **Transparency** | Not enough data | Not enough data | 
| **Controls** | Not enough data | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Holded** | 7.9/10 | 11 |
| **Qonto** | 8.5/10 | 28 |

#### Invoice Generation

| Feature | Holded | Qonto | 
|---|---|---|
| **Templates** | 7.4 (11 reviews) | 8.1 (21 reviews) | 
| **Digital Invoices** | 8.0 (9 reviews) | 8.8 (21 reviews) | 
| **Recurring Invoices** | 8.1 (9 reviews) | 8.1 (18 reviews) | 

#### Invoice Processing

| Feature | Holded | Qonto | 
|---|---|---|
| **Approvals** | 8.5 (8 reviews) | 7.4 (15 reviews) | 
| **Batch Processing** | 8.0 (9 reviews) | 7.7 (14 reviews) | 
| **Consolidation** | 8.0 (10 reviews) | 8.6 (13 reviews) | 
| **Match Invoices** | 7.5 (10 reviews) | 8.9 (19 reviews) | 

#### Analytics

| Feature | Holded | Qonto | 
|---|---|---|
| **Due Dates** | 7.9 (11 reviews) | 8.4 (15 reviews) | 
| **Cashflow** | 7.8 (9 reviews) | 8.7 (15 reviews) | 
| **KPIs** | 8.7 (9 reviews) | 7.6 (15 reviews) | 
| **Payment Tracking** | 7.8 (10 reviews) | 8.2 (15 reviews) | 

#### Integration

| Feature | Holded | Qonto | 
|---|---|---|
| **Accounting** | 7.5 (10 reviews) | 9.2 (20 reviews) | 
| **Payments** | 7.7 (11 reviews) | 9.4 (20 reviews) | 
| **ERP** | 7.4 (11 reviews) | 8.2 (14 reviews) | 
| **Account Sync** | 7.8 (10 reviews) | 9.5 (17 reviews) | 

#### Agentic AI - Invoice Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Cross-system Integration** | Not enough data | Not enough data | 
| **Adaptive Learning** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 

### Cash Flow Management

| Product | Score | Reviews |
|---|---|---|
| **Holded** | N/A | N/A |
| **Qonto** | 8.3/10 | 39 |

#### Cash Flow Management

| Feature | Holded | Qonto | 
|---|---|---|
| **File Exports** | Not enough data | 8.9 (29 reviews) | 
| **Income and Expenses** | Not enough data | 9.1 (33 reviews) | 
| **Track Cash Flow** | Not enough data | 9.1 (30 reviews) | 

#### Cash Flow Forecasting

| Feature | Holded | Qonto | 
|---|---|---|
| **Historical Data** | Not enough data | 8.7 (31 reviews) | 
| **Reforecast** | Not enough data | 7.9 (26 reviews) | 
| **Forecast Types** | Not enough data | 7.8 (24 reviews) | 
| **Rolling Forecasts** | Not enough data | 7.6 (25 reviews) | 
| **AI** | Not enough data | 7.7 (25 reviews) | 

#### Analytics

| Feature | Holded | Qonto | 
|---|---|---|
| **Variance Analysis** | Not enough data | 8.1 (26 reviews) | 
| **Reports** | Not enough data | 8.2 (26 reviews) | 
| **Forecast Comparison** | Not enough data | 8.2 (25 reviews) | 
| **Forward Looking** | Not enough data | 8.1 (24 reviews) | 

#### Financial Data Transfer

| Feature | Holded | Qonto | 
|---|---|---|
| **Data Transfer** | Not enough data | 8.3 (27 reviews) | 
| **Data Exchange** | Not enough data | 8.2 (26 reviews) | 
| **Reporting** | Not enough data | 8.1 (26 reviews) | 
| **Access** | Not enough data | 8.4 (28 reviews) | 
| **Integration** | Not enough data | 8.5 (24 reviews) | 

#### Agentic AI -  Cash Flow Management

| Feature | Holded | Qonto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Billing

| Product | Score | Reviews |
|---|---|---|
| **Holded** | 8.9/10 | 8 |
| **Qonto** | N/A | N/A |

#### Bill Generation

| Feature | Holded | Qonto | 
|---|---|---|
| **Templates** | 8.5 (8 reviews) | Not enough data | 
| **Digital Billing** | 8.3 (8 reviews) | Not enough data | 
| **Recurring Billing** | 9.0 (7 reviews) | Not enough data | 
| **Hourly Billing** | Not enough data | Not enough data | 
| **Contingency Billing** | Not enough data | Not enough data | 
| **Project Billing** | Not enough data | Not enough data | 
| **Multi-Period Recurring Billing** | Not enough data | Not enough data | 
| **Recurring/Subscription Billing** | Not enough data | Not enough data | 
| **Deferred Billing** | Not enough data | Not enough data | 

#### Bill Processing

| Feature | Holded | Qonto | 
|---|---|---|
| **Consolidation** | 9.0 (8 reviews) | Not enough data | 
| **Batch Invoicing** | 8.6 (6 reviews) | Not enough data | 
| **Management** | 9.2 (8 reviews) | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Purchase Order Management** | Not enough data | Not enough data | 
| **Document Management** | Not enough data | Not enough data | 
| **Email Management** | Not enough data | Not enough data | 
| **Client Management** | Not enough data | Not enough data | 
| **Dunning Management** | Not enough data | Not enough data | 
| **Master Data Management** | Not enough data | Not enough data | 
| **Refund Management** | Not enough data | Not enough data | 
| **Discount Management** | Not enough data | Not enough data | 
| **Sales Tax Management** | Not enough data | Not enough data | 
| **Subscription Management** | Not enough data | Not enough data | 
| **Recurring Invoicing** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 

#### Integration

| Feature | Holded | Qonto | 
|---|---|---|
| **Accounting** | 9.4 (6 reviews) | Not enough data | 
| **Payments** | 9.0 (8 reviews) | Not enough data | 
| **ERP** | 8.8 (7 reviews) | Not enough data | 
| **Mobile Payments** | Not enough data | Not enough data | 
| **CRM** | Not enough data | Not enough data | 

#### Agentic AI - Billing

| Feature | Holded | Qonto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

#### Additional Functionality

| Feature | Holded | Qonto | 
|---|---|---|
| **File Encryption** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Alerts/Notifications** | Not enough data | Not enough data | 
| **Contact Database** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **File Sharing** | Not enough data | Not enough data | 
| **Purchasing & Receiving** | Not enough data | Not enough data | 
| **Multi-Language** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 
| **Customizable Invoices** | Not enough data | Not enough data | 
| **Real-Time Reporting** | Not enough data | Not enough data | 
| **Credit Card Processing** | Not enough data | Not enough data | 
| **Quotes/Estimates** | Not enough data | Not enough data | 
| **Fraud Detection** | Not enough data | Not enough data | 
| **Real-Time Data** | Not enough data | Not enough data | 
| **Generative AI** | Not enough data | Not enough data | 
| **Dynamic Pricing** | Not enough data | Not enough data | 
| **Credit Note** | Not enough data | Not enough data | 
| **Duplicate Detection** | Not enough data | Not enough data | 
| **Invoice History** | Not enough data | Not enough data | 
| **Reminders** | Not enough data | Not enough data | 
| **Billing Portal** | Not enough data | Not enough data | 
| **Accounting Integration** | Not enough data | Not enough data | 
| **Backup and Recovery** | Not enough data | Not enough data | 
| **Customizable Branding** | Not enough data | Not enough data | 
| **Bulk Send** | Not enough data | Not enough data | 
| **Invoice Creation** | Not enough data | Not enough data | 
| **Time & Expense Tracking** | Not enough data | Not enough data | 
| **API** | Not enough data | Not enough data | 
| **Customizable Reports** | Not enough data | Not enough data | 
| **Projections** | Not enough data | Not enough data | 
| **Multi-Currency** | Not enough data | Not enough data | 
| **Event Logs** | Not enough data | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Automated Receipt Matching** | Not enough data | Not enough data | 
| **Tax Calculation** | Not enough data | Not enough data | 
| **Payment Processing** | Not enough data | Not enough data | 
| **Data Import/Export** | Not enough data | Not enough data | 
| **Real-Time Analytics** | Not enough data | Not enough data | 
| **Client Portal** | Not enough data | Not enough data | 
| **Email Reminders** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Bank Reconciliation** | Not enough data | Not enough data | 
| **Transaction History** | Not enough data | Not enough data | 
| **Customer Accounts** | Not enough data | Not enough data | 
| **Customizable Fields** | Not enough data | Not enough data | 
| **PCI Compliance** | Not enough data | Not enough data | 
| **Audit Trail** | Not enough data | Not enough data | 
| **Multiple Payment Options** | Not enough data | Not enough data | 
| **Self Service Portal** | Not enough data | Not enough data | 
| **ACH Payment Processing** | Not enough data | Not enough data | 
| **Third-Party Integration** | Not enough data | Not enough data | 
| **Payment Tracking** | Not enough data | Not enough data | 
| **Batch Processing** | Not enough data | Not enough data | 
| **Approval Workflow** | Not enough data | Not enough data | 
| **For Small Businesses** | Not enough data | Not enough data | 
| **Tax Compliance** | Not enough data | Not enough data | 
| **Workflow Automation** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Holded** | N/A | N/A |
| **Qonto** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Holded | Qonto | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Invoice Management Software](https://www.g2.com/categories/invoice-management)

**Unique to Holded (2):** [Accounting Software](https://www.g2.com/categories/accounting), [Billing Software](https://www.g2.com/categories/billing)

**Unique to Qonto (4):** [Spend Management Software](https://www.g2.com/categories/spend-management), [Cash Flow Management Software](https://www.g2.com/categories/cash-flow-management), [Expense Management Software](https://www.g2.com/categories/expense-management), [Procurement Spend Analysis](https://www.g2.com/categories/procurement-spend-analysis)


---
## Reviewer Demographics

### By Company Size

| Segment | Holded | Qonto | 
|---|---|---|
| **Small-Business** | 85.2% | 94.9% | 
| **Mid-Market** | 11.1% | 5.1% | 
| **Enterprise** | 3.7% | 0% | 

### By Industry

#### Holded

- **Marketing and Advertising:** 21.7%
- **Apparel & Fashion:** 8.7%
- **Accounting:** 4.3%
- **Civil Engineering:** 4.3%
- **Computer Networking:** 4.3%
- **Construction:** 4.3%
- **Food & Beverages:** 4.3%
- **Health, Wellness and Fitness:** 4.3%
- **Hospital & Health Care:** 4.3%
- **Information Technology and Services:** 4.3%
- **Other:** 34.8%

#### Qonto

- **Accounting:** 8.7%
- **Consulting:** 7.8%
- **Financial Services:** 6.1%
- **Computer Software:** 6.1%
- **Management Consulting:** 4.3%
- **Marketing and Advertising:** 4.3%
- **Information Technology and Services:** 4.3%
- **Professional Training & Coaching:** 3.5%
- **Arts and Crafts:** 2.6%
- **Real Estate:** 2.6%
- **Other:** 49.6%

---
## Alternatives

### Alternatives to Holded

- [Odoo ERP](https://www.g2.com/products/odoo-odoo-erp/reviews) — 4.2/5 stars (355 reviews)
- [Xero](https://www.g2.com/products/xero/reviews) — 4.4/5 stars (1833 reviews)
- [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) — 4.0/5 stars (3880 reviews)
- [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) — 4.3/5 stars (1768 reviews)
- [SAP Business One](https://www.g2.com/products/sap-business-one/reviews) — 4.3/5 stars (542 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (981 reviews)
- [Microsoft Dynamics 365 Business Central](https://www.g2.com/products/microsoft-microsoft-dynamics-365-business-central/reviews) — 4.0/5 stars (913 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (913 reviews)
- [NetSuite](https://www.g2.com/products/oracle-netsuite/reviews) — 4.1/5 stars (4948 reviews)
- [Certinia Financial Management Cloud](https://www.g2.com/products/certinia-financial-management-cloud/reviews) — 4.0/5 stars (437 reviews)

### Alternatives to Qonto

- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (421 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (913 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2516 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5670 reviews)
- [Agicap](https://www.g2.com/products/agicap/reviews) — 4.4/5 stars (373 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7184 reviews)
- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (2013 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1633 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)

---
## Top Discussions

### Holded

- Title: [I like this apk for Android Holded expands our development](https://www.g2.com/discussions/40401-i-like-this-apk-for-android-holded-expands-our-development) — 22 comments, 2 upvotes
  > **Top comment:** "Here is a suggestion for you, I think you will like this game: https://techtodown.com/choices-apk-mod-1/"
- Title: [How can I change the graphics that show my sales?](https://www.g2.com/discussions/how-can-i-change-the-graphics-that-show-my-sales) — 7 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Hey Lowin.

You can't change the graphics currently — but I'll pass this on to our Product team for sure.

You can change the views and filters of your..."
- Title: [I would like to know if there is any way I can contact technical support directly by call](https://www.g2.com/discussions/i-would-like-to-know-if-there-is-any-way-i-can-contact-technical-support-directly-by-call) — 3 comments, 1 upvote
  > **Top comment:** "Hi Jhonatan,

Here are Holded's contact details: https://www.holded.com/contact "
- Title: [Can I set up notifications to keep an eye on my sales?](https://www.g2.com/discussions/can-i-set-up-notifications-to-keep-an-eye-on-my-sales) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Hey Marcus,

We don't have notifications for Sales yet — but we do for overdue invoices. So you can keep track of bills that haven't been paid.

These..."
- Title: [Can u please tell me about this apps?](https://www.g2.com/discussions/can-u-please-tell-me-about-this-apps) — 1 comment, 1 upvote
  > **Top comment:** "If someone is blocking you on SnapChat, the first step is to check your chat history. To do this, open the Snapchat app and tap on the Chat tab. Then, scroll..."

### Qonto

- Title: [What is Qonto used for?](https://www.g2.com/discussions/what-is-qonto-used-for) — 1 comment *(includes official response)*
  > **Top comment:** "Hello, 

Thanks for reaching out with your question. Qonto is used as a financial solution tailored for small and medium-sized enterprises, startups, and..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/holded-vs-qonto)