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ERP · head to head

Comarch vs Holded

Comarch logo

Comarch

ERP

Polish IT and ERP systems adapted to company needs

From
On request
Rated
-
Full reviewWebsite
Holded logo

Holded

ERP

Spanish cloud ERP for invoicing, accounting and business management for small companies

From
€7.5/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Comarch no pricing is published anywhere on the site for any product line; the only route to cost is a Kontakt z konsultantem (Consultant Contact) request for a quote; Holded prices exclude VAT
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Comarch and Holded actually diverge.

Attributes where Comarch and Holded differ
AttributeComarchHolded
Starting priceOn request€7.5/month
Pricing modelquotesubscription

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (ERP).

What people use each for

The jobs each tool is most often brought in to do.

Comarch

  • Automating KSeF e-invoicing compliance for Polish businessesnot Holded
  • Integrating ERP with e-commerce and marketplace operationsnot Holded
  • Streamlining manufacturing with bill-of-materials controlnot Holded
  • Consolidating financial systems across multiple subsidiariesnot Holded

Holded

  • Managing bank reconciliation rules across multiple accountsnot Comarch
  • Scaling from 250 to unlimited invoices annually as business growsnot Comarch
  • Processing payroll and absences for teams of 5-50 peoplenot Comarch
  • Managing stock across multiple warehouses for distributionnot Comarch
  • Automating tax authority submissions for Spanish SMEsnot Comarch

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Comarch

  • No pricing is published anywhere on the site for any product line; the only route to cost is a Kontakt z konsultantem (Consultant Contact) request for a quote
  • The ERP line is split across three separately scaled products (Optima for SMBs, XL, Enterprise) with no published criteria distinguishing which a given company should quote

Holded

  • Prices exclude VAT
  • Annual limits reset January to December
  • Invoice limits cap usage per tier

Pricing, plan by plan

Comarch

On request

No published plan breakdown. See the Comarch review.

Holded

€7.5/month
  • Plus$7.5/month
    • 250 invoices per year
    • 1 connected bank
  • Basic$14.5/month
    • 1,000 invoices per year
    • 5 connected banks
    • 2 users plus advisory
  • Standard$29.5/month
    • 3,000 invoices per year
    • Unlimited banks
    • 4 users plus advisory
  • Advanced$49.5/month
    • 10,000 invoices per year
    • Unlimited banks
    • 7 users plus advisory

Which should you pick?

Choose Comarch if

Nothing in the data separates Comarch from Holded on the points above - pick on price and on how each one feels to use.

Comarch review

Choose Holded if

Nothing in the data separates Holded from Comarch on the points above - pick on price and on how each one feels to use.

Holded review

Questions people ask

Is Comarch or Holded better?
Neither clearly leads. Comarch starts at On request and Holded at €7.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Comarch or Holded?
Comarch starts at On request and Holded at €7.5/month.
Does Comarch or Holded run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Comarch best used for?
Comarch is most often used for automating ksef e-invoicing compliance for polish businesses, integrating erp with e-commerce and marketplace operations, streamlining manufacturing with bill-of-materials control, consolidating financial systems across multiple subsidiaries. Of those, automating ksef e-invoicing compliance for polish businesses and integrating erp with e-commerce and marketplace operations are not what Holded is typically brought in for.

Answered from the vendors’ own pages

Comarch: How much does Comarch cost?

Comarch does not publish pricing online. The company offers enterprise ERP solutions like Comarch ERP Enterprise, Comarch ERP XL, and Comarch ERP Optima. Pricing is determined through custom quotes based on organization size and specific requirements. Contact Comarch sales at (12) 646 1000 or through their consultant contact form to request a quote.

Source
Holded: Does Holded offer annual billing discounts?

Yes, Holded offers 50% discount for the first 3 months across all plans. Additionally, annual billing provides savings compared to monthly plans.

Source
Comarch: What is Comarch's pricing model?

Comarch uses a quote-based pricing model tailored to enterprise customers. The company does not offer self-serve pricing or standardized subscription tiers. Customers must request personalized pricing from the sales team based on their deployment requirements.

Source
Holded: What add-ons does Holded offer?

Holded offers optional add-on modules: Inventory (25 EUR/month), Team Pro (1.50 EUR per employee per month), Payroll (5 EUR per employee per month), and POS (25 EUR per store per month).

Source
Holded: What are the invoice limits per plan?

Invoice limits vary by plan: Plus (250/year), Basic (1,000/year), Standard (3,000/year), Advanced (10,000/year), and Premium (unlimited).

Source
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