FreeAgent vs Holded: Complete Comparison 2026
An in-depth comparison of features, pricing, and user experience to help you make the right choice.
FreeAgent
8.0(2,800 reviews)
UK cloud accounting built for freelancers and micro-businesses. Free for NatWest/RBS business account holders.
Holded
Spanish cloud ERP combining accounting, invoicing, CRM, projects, and HR in one platform built for Spain and Latin America.
Quick Comparison
| Aspect | FreeAgent | Holded |
|---|---|---|
| Best For | UK freelancers and sole traders | Spanish SMBs needing SII compliance built-in |
| Pricing Model | Subscription | Subscription |
| Starting Price | $19/mo | $10/mo |
| Deployment | cloud | cloud |
| Platforms | WEB, IOS, ANDROID | WEB, IOS, ANDROID |
| Rating | 8.0/10 | 7.8/10 |
Pros & Cons
FreeAgent
Pros
- UK tax compliance is exceptional - Self Assessment, VAT, Corporation Tax all handled
- Free for NatWest, RBS, and Ulster Bank business customers
- Built-in time tracking that connects directly to invoicing
- Multi-currency support handles international client billing well
- Interface is genuinely easy to learn for non-accountants
Cons
- You'll outgrow it if your team passes 10 people
- No purchase order or inventory management system
- Reporting is basic compared to Xero or QuickBooks
- Limited usefulness outside the UK due to tax specificity
- No payroll for employees beyond director payroll
Holded
Pros
- Native SII tax compliance saves hours for Spanish businesses
- All-in-one ERP at a fraction of the cost of separate tools
- Clean, modern interface that non-accountants can figure out
- Strong bank connections with major Spanish banks
- Multi-company management from one dashboard
Cons
- Multi-currency handling is basic compared to Xero
- Mobile app lags behind the web version in features
- Individual modules lack depth of specialized tools
- Limited value outside Spain and LATAM markets
- Customer support response times can be slow
Pricing Comparison
| Product | Pricing Model | Starting Price |
|---|---|---|
| FreeAgent | subscription | $19/mo |
| Holded | subscription | $10/mo |
Our Verdict
Choose FreeAgent if...
UK freelancers and sole traders
Choose Holded if...
Spanish SMBs needing SII compliance built-in
Still Not Sure?
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