No, Holded is not a bank, and that is precisely one of its advantages. Holded Wallet offers users the security of an account backed by the French Deposit Guarantee Fund, which protects up to 100,000 euros per account holder.

This means that, although we are not a traditional bank, you can enjoy the functionalities of a payment account without having to deal with the bureaucracy and fees typically applied by banks.

With Holded, you have the peace of mind of knowing that your funds are safe and that you can carry out your financial transactions in an agile manner. Learn more about our guarantees here.

Swan is our specialized payment account management partner, operating under European regulations and providing a secure framework for your financial transactions. Holded Wallet uses Swan's services to offer you a seamless payment account experience.

The collaboration with Swan is essential because it ensures that all funds managed through Holded Wallet are protected and comply with current regulations. Swan handles key aspects such as identity and documentation verification, ensuring that your account is securely activated. In addition, their experience in managing payment accounts allows us to offer you a streamlined and transparent service, without the fees and bureaucracy typical of a traditional bank. Thanks to this partnership, you can be confident that your money is in good hands and that your user experience will be optimal.

Bringing money to your Holded Wallet is a simple process. You can fund your wallet from your bank using SEPA transfers. Once you have created your Wallet account, you will receive a unique Spanish IBAN that you can use to manage your account from Holded.

Simply make a transfer from your regular bank to this IBAN, and the money will be credited to your Holded Wallet account. This method allows you to keep your finances organized and centralized in a single platform, facilitating the management of your operations.

Yes, your funds are completely safe. Holded Wallet is designed to comply with all European regulations, which guarantees the protection of your data and your money. In addition, your funds are backed by the French Deposit Guarantee Fund, which insures up to 100,000 euros per holder. This means that, in case of any eventuality, your savings are protected, giving you the confidence to manage your finances without worry.

For now, you can only have one active Wallet account per Holded account. We are working to optimize the experience, and in the future we will consider offering the ability to manage multiple Wallet accounts. If this is enabled, we will let you know in a timely manner so that you can enjoy greater flexibility in your financial transactions.

When you see the 'ID pending' status, it means that we are in the process of verifying that the account actually belongs to a real person. To continue, make sure you have your ID handy and follow the instructions on the platform to complete this step. This process is essential to ensure the safety of all users and to comply with regulations.

If you receive a 'Failed ID' notice, check that the image of your face is properly framed and that the photo meets the required specifications. Sometimes lighting problems or improper angles can affect the quality of the image. We recommend that you retry the identification to make sure everything is correct.

This status indicates that we are missing information to complete the activation of your account. To move forward, simply access the corresponding section and add the requested documentation through the 'Add documentation' button. It is essential that you provide all the necessary information in order to activate your account and enjoy all the features of Holded Wallet.

If you receive a 'Documentation rejected' notice, it means that your business activity type does not allow us to continue with the account activation.

If you need clarification on the reason for the rejection, we suggest you contact our support team, who will be happy to assist you and guide you through the process.