Best Invoicing App Spain 2026: Deep Dive Comparison (Holded, Quipu, Anfix, FacturaE, Verifactu, IVA)

Spain is in the middle of a double regulatory shift: Verifactu (the new anti-fraud invoicing software certification under Royal Decree 1007/2023) lands for businesses in 2026, and the Crea y Crece B2B e-invoicing mandate will follow once the implementing regulation is published. Choosing the right invoicing app in 2026 means picking a tool that is Verifactu-certified and FacturaE-capable, not just a pretty PDF generator.

This guide compares the six dominant invoicing apps for Spanish autónomos, sociedades limitadas (SL), and small SMBs, scoring them against Verifactu, FacturaE 3.2.x, the FACe portal for B2G, OSS for cross-border B2C, and PSD2 reconciliation with the big Spanish banks (Santander, BBVA, CaixaBank, Sabadell, Bankinter, Unicaja, Ibercaja, Kutxabank, Abanca, Cajamar). We finish with a worked example for a 20-invoice-per-month autónomo and a Polish reader angle for cross-border invoicing.

TL;DR

• Winner: Holded Plus at roughly EUR 29 per month. Best Spanish UX, native FacturaE 3.2.2 output, FACe deposit, Verifactu-ready, OSS workflow, multi-currency, strong mobile app, PSD2 with all 10 major Spanish banks.
• Runner-up: Quipu Profesional at roughly EUR 24 per month. Autónomo-first ergonomics, full FacturaE and Verifactu support, slightly weaker for SL with employees than Holded.
• Best for accountant collaboration: Anfix Despachos at roughly EUR 20 per month. Asesoría-friendly, popular with Spanish gestorías.
• Best free starter: Factura Directa Free or Quipu 15-day trial.
• Compliance status:
  • Verifactu (anti-fraud invoicing software certification under RD 1007/2023): becomes effective for taxpayers other than large enterprises on 2026-07-01 (per latest published timing); large enterprises earlier per the published rollout. All invoicing software used in Spain must comply.
  • FacturaE (XML format) is mandatory for B2G via FACe since 2015 for invoices above EUR 5,000.
  • Crea y Crece B2B e-invoicing: law passed in 2022, implementing royal decree pending. Once published, mandatory for B2B with phased rollout (large taxpayers first, then SMEs, then everyone within ~24 months).
• Monthly cost band for 20-invoice autónomo: EUR 0-30.

The Spanish E-Invoicing Landscape: Verifactu, FacturaE, FACe, Crea y Crece

Five terms to know:

• FacturaE is the Spanish XML invoice standard (current version 3.2.2). Mandatory for B2G via FACe since 2015 for invoices above EUR 5,000 to public administrations.
• FACe (Punto General de Entrada de Facturas Electrónicas) is the central B2G invoice portal run by the Secretaría General de Administración Digital.
• Verifactu is the certification regime for invoicing software introduced by Real Decreto 1007/2023 and implemented through Orden HAC/1177/2024. Software must guarantee invoice integrity, traceability, and unalterability. Verifactu-certified software emits an additional verification QR code on each invoice. Effective for non-large taxpayers from 2026-07-01 (per the latest schedule).
• Crea y Crece (Ley 18/2022 Crea y Crece) introduces mandatory B2B e-invoicing for Spain. The base law is in force; the implementing real decreto is the remaining piece. Once published, the rollout is 12 months for large taxpayers (turnover above EUR 8 million) and 24 months for the rest. Format: FacturaE plus the new SII-style reporting.
• SII (Suministro Inmediato de Información) is the near-real-time VAT reporting regime for large taxpayers (above EUR 6 million annual turnover) since 2017. Not the same as e-invoicing but related.

For 2026, if you are an autónomo or a non-large SL, you must (a) use Verifactu-certified software from 2026-07-01, (b) be FacturaE-capable for B2G via FACe, (c) plan for the Crea y Crece B2B mandate once published.

The Six Apps: Comparison Table

Prices are list prices for new customers as of Q2 2026, annual billing, excluding 21 percent IVA.

Top Pick: Holded Plus

Holded is a Barcelona-built SMB ERP that became the de facto Spanish invoicing standard in the late 2010s. The 2025-2026 release closed the Verifactu gap and locked in three things that matter:

Feature walkthrough:

• FacturaE 3.2.2 generation per invoice in one click, signed with your digital certificate (FNMT or AC Camerfirma). Holded stores the cert securely so you do not handle .pfx files manually.
• FACe deposit for B2G invoices: select the public-sector customer, Holded looks up the DIR3 codes (oficina contable, órgano gestor, unidad tramitadora) and submits via FACe API.
• Verifactu compliance: invoices carry the verification QR code, chained hash, and the AEAT-required traceability fields. Verified-emission timestamp logged.
• OSS workflow: tag a B2C invoice as cross-border EU, destination VAT rate applied, quarterly OSS-MOSS report generated for AEAT.
• PSD2 bank reconciliation covers Santander, BBVA, CaixaBank, Banco Sabadell, Bankinter, Unicaja, Ibercaja, Kutxabank, Abanca, Cajamar, plus Wise Business, Revolut Business, N26 Business.
• Mobile receipt OCR: ticket de caja, IVA breakdown, ticket BAI handling for Basque Country businesses (TicketBAI is the Basque-specific regional variant separate from Verifactu).

Pricing tiers (2026):

• Holded Basic: EUR 15/month, basic invoicing and accounting.
• Holded Standard: EUR 22/month, adds CRM and projects.
• Holded Plus: EUR 29/month, adds inventory, multi-warehouse, multi-currency depth.
• Holded Premium: EUR 50+/month, custom for larger SMBs.

Free trial: 14 days, no credit card required.

Runner-up: Quipu Profesional

Quipu is the autónomo-first competitor, born in Barcelona around the same time as Holded. UX feels lighter and friendlier for a one-person operation: bigger buttons, fewer ERP-style modules, less to ignore. Full Verifactu and FacturaE compliance from 2025 update. EUR 24/month for the Profesional tier including FACe and OSS.

Choose Quipu over Holded if:

• You are a solo autónomo with no inventory and no employees.
• Your gestoría is already on Quipu Asesoría and offers you a discount.
• You prefer a simpler UI that puts invoicing front and centre.

When Anfix Wins

Anfix is the gestoría-friendly choice. If your asesor or gestor already uses Anfix Despachos (the asesoría-side product) and proposes you use Anfix on the client side, the collaboration is seamless: every invoice you raise appears in your asesor's dashboard automatically, every receipt you photograph gets categorised by them in their portal. EUR 20/month is the autónomo-side pricing.

VAT-Specific Features You Cannot Skip

Spanish solo entrepreneurs in 2026 deal with five IVA scenarios. Your app must handle all five:

1. Standard 21 percent / reduced 10 percent / super-reduced 4 percent. Every app does this. Note the special 0/5 percent on basic groceries was in force during inflation episodes; check current rates per AEAT.
2. Recargo de equivalencia. Retail B2C autónomos pay an additional 5.2 percent / 1.4 percent / 0.5 percent surcharge that the supplier collects. Your app must support recargo on customer records flagged as recargo-equivalente buyers.
3. OSS one-stop-shop B2C cross-border to EU consumers. Above EUR 10,000/year combined cross-border B2C, destination VAT applies and the quarterly OSS report (via AEAT) is required. Holded, Quipu, Anfix, Sage: yes. Zoho: manual.
4. Reverse-charge B2B intra-EU (inversión del sujeto pasivo). Zero-IVA invoice to a verified EU B2B customer with mandatory note "Inversión del sujeto pasivo - Artículo 196 Directiva 2006/112/CE." Spanish-built apps handle VIES automatically.
5. Inversión del sujeto pasivo domestic (construction, scrap metal, electronics). Some domestic B2B sectors (construction subcontracting, mobile phones above EUR 10,000) trigger inversión even within Spain.

Compliance Gotchas Auditors Actually Find

• Non-Verifactu software after 2026-07-01. Using non-certified software for invoicing after Verifactu effective date is a sanctionable offence. Verify your app vendor's published Verifactu certification.
• TicketBAI confusion (Basque Country). TicketBAI is the regional anti-fraud system in Bizkaia, Gipuzkoa, and Araba; mandatory since 2022-2024 depending on the foral diputación. Different from Verifactu. If you operate from any of the three Basque historical territories, you need TicketBAI-compliant software regardless of Verifactu status.
• FacturaE rejected by FACe. Missing DIR3 codes (oficina contable, órgano gestor, unidad tramitadora) or wrong signature certificate causes rejection. Apps with a built-in DIR3 directory (Holded, Quipu) prevent this.
• Recargo de equivalencia missed. Failing to apply recargo on a B2C autónomo retail buyer can trigger a back-charge audit. Always confirm customer regime on creation.
• Missing mandatory invoice fields under RD 1619/2012. Numbered series, date, names and tax IDs (NIF), description, taxable base, IVA breakdown, retentions if applicable (IRPF retention for professional services).

Integration: Gestoría Software, Banks, Marketplaces

Gestoría/asesoría software: Sage Despachos Connected, Anfix Despachos, A3ASESOR (Wolters Kluwer), Contasol (Sage), Holded for Advisors. Holded and Quipu both have asesoría portals; Anfix is asesoría-first.

PSD2 bank reconciliation (top 10 Spanish banks): Santander, BBVA, CaixaBank, Banco Sabadell, Bankinter, Unicaja, Ibercaja, Kutxabank, Abanca, Cajamar. Plus the neobanks: Wise Business, Revolut Business, N26 Business, Bnext Business.

E-commerce marketplaces: Amazon.es, El Corte Inglés Marketplace, AliExpress Plaza, PcComponentes Marketplace, ManoMano ES, Shopify, WooCommerce, PrestaShop (Spanish standard). Holded has the cleanest WooCommerce and Shopify connectors.

Worked Example: 20 Invoices Per Month Autónomo

Profile: Valencia-based freelance graphic designer, autónomo régimen general, 18 B2B invoices/month to Spanish agencies plus 2 B2C cross-border to Portuguese consumers for templates. Annual revenue EUR 60,000.

Total cost first year on Quipu Profesional:

• Subscription: 12 × EUR 24 = EUR 288
• FacturaE digital certificate (FNMT): EUR 24 every 2 years
• FACe deposit: included (rare for this profile)
• OSS quarterly report: included
• PSD2 reconciliation (BBVA pro account + Wise Business): included
• Total: EUR 300 (subscription + half cert year)

Time saved per week vs free Word + Excel:

• Invoice creation: 12 min → 2 min. Saving: 200 min/month ≈ 50 min/week.
• IVA quarterly Modelo 303 prep: 4 hours → 30 min. Saving: 3.5 hours / 13 weeks ≈ 16 min/week.
• IRPF retention summary Modelo 130: 2 hours/quarter → 15 min. Saving: 1h45 / 13 weeks ≈ 8 min/week.
• Bank reconciliation: 80 min/week → 15 min/week. Saving: 65 min/week.
• OSS quarterly: 90 min → 15 min. Saving: 75 min / 13 weeks ≈ 6 min/week.
• Total weekly time saved: ~2.4 hours.

At a designer rate of EUR 50/hour, EUR 300/year subscription pays for itself in three weeks.

Polish Reader Angle: Dual-Country Invoicing for a Polish Freelancer in Spain

If you are Polish and an autónomo in Spain (or run JDG in Poland while serving Spanish clients), 2026 is the year your stack must cover both mandates:

• Poland: KSeF mandatory B2B from 2026-02-01 (large) then 2026-04-01 (others), format FA(2).
• Spain: Verifactu mandatory for non-large taxpayers from 2026-07-01. Crea y Crece B2B e-invoicing pending implementing regulation, phased rollout once published.

Practical setup:

• If you closed your Polish JDG and are now a Spanish autónomo: Holded or Quipu only, Verifactu-certified.
• If you keep your Polish JDG and invoice Spanish B2B clients: Polish FA(2) into KSeF, FacturaE (or PDF for now until Crea y Crece kicks in) sent to the Spanish client. JPK_FA filing on the Polish side, no Spanish filing if you are not Spanish-registered.
• If you run both a Polish JDG and a Spanish autónomo: two stacks. Quipu on the Spanish side, Fakturownia or wFirma on the Polish side.

This is exactly the dual-country complexity where Freenance's Financial Freedom Runway view earns its keep: it lets you split your personal financial runway from each business's cash flow. Financial Freedom Runway is computed as months of personal burn coverable from current liquid net worth, with business reserves shown separately for each entity.

FAQ

Q: From when must I use Verifactu-certified software? A: For non-large taxpayers (most autónomos and small SL), from 2026-07-01 per the latest published schedule. Large taxpayers had earlier dates. Confirm the current effective date in BOE notices and the AEAT site as the rollout has been postponed once.

Q: Is FacturaE the same as Verifactu? A: No. FacturaE is the XML invoice format used primarily for B2G via FACe (and required for Crea y Crece B2B once that mandate is published). Verifactu is the certification of the invoicing software that emits invoices in any format (PDF or FacturaE). They are related but distinct compliance obligations.

Q: What is the difference between Verifactu and TicketBAI? A: TicketBAI is the regional anti-fraud system in the three Basque historical territories (Bizkaia, Gipuzkoa, Araba), mandatory since 2022-2024 depending on diputación. Verifactu is the rest-of-Spain national equivalent under RD 1007/2023. If you operate in the Basque Country, TicketBAI applies; everywhere else, Verifactu applies.

Q: When will Crea y Crece B2B e-invoicing be mandatory? A: The Ley 18/2022 is in force, but the implementing real decreto is still pending. Once published, rollout is 12 months for large taxpayers (above EUR 8M turnover) and 24 months for the rest. Plan for late 2026 or 2027 effective dates as the most likely scenario; check BOE for the implementing regulation.

Q: Do I need a digital certificate to send FacturaE? A: Yes. The Spanish standard is a digital certificate from FNMT (Fábrica Nacional de Moneda y Timbre) or AC Camerfirma. Cost is around EUR 15-25 every 2 years for a personal autónomo certificate. Holded, Quipu, and Anfix store it securely and sign automatically.

Q: How does IRPF retention on professional service invoices work? A: Spanish professional service invoices (lawyers, designers, consultants) to Spanish B2B customers carry an IRPF retention (currently 15 percent for established professionals, 7 percent in the first 3 years). The customer pays the net amount and remits the retention via Modelo 111. Your invoice must show the retention line. All Spanish-built apps handle this.

Disclaimer

This article is general information for entrepreneurs and freelancers in Spain. It is not tax, legal, or accounting advice. IVA rules, Verifactu and Crea y Crece dates, regional TicketBAI obligations, and software pricing change frequently. Always confirm current obligations with your gestoría or the AEAT, and verify pricing on the vendor's current product page. Nothing here constitutes a financial-services recommendation under KNF or CNMV rules.

Sources

• AEAT (Agencia Estatal de Administración Tributaria), Verifactu and FacturaE guidance
• Secretaría General de Administración Digital, FACe portal documentation
• BOE, Real Decreto 1007/2023 and Orden HAC/1177/2024 (Verifactu)
• BOE, Ley 18/2022 (Crea y Crece)
• Diputación Foral de Bizkaia / Gipuzkoa / Araba, TicketBAI documentation
• Holded, Quipu, Anfix, Sage, Factura Directa, Zoho Corporation product pages
• EU Commission, VIES VAT number validation service