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Xero vs Holded: catalog facts
Xero	Holded
Paid Paid monthly plans with a free trial and introductory discounts.	Paid Paid plans with a 14-day free trial.
Web	Android, iOS, Web
Bank connections for reconciliation Invoicing, bills and payroll in one place	Invoicing, accounting, CRM and HR in one platform Mobile apps with invoice scanning
Subscription only, with no free plan Features and plans vary by country	Hosted only Oriented toward the Spanish market
Web application, Hosted service	Downloadable app, Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Needs internet
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.