Holdings vs Aplos
If you need dedicated nonprofit fund accounting software with donor management, online giving tools, and customizable financial reports — and you're okay paying $79–$229/month for it — Aplos is the mo
Feature comparison
See how Holdings stacks up against Aplos
| Feature | Holdings | Aplos |
|---|---|---|
| Monthly Fee | $0 | $79/mo (Lite); $99/mo (Core); $229+/mo (Advanced) |
| Min. Balance | $0 | N/A |
| APY (Checking) | 1.75% | N/A (not a bank — partners with banks) |
| APY (Savings) | 1.75% | N/A |
| FDIC Insurance | Up to $3M | Depends on partner bank |
| Free Transactions | Unlimited | N/A |
| Sub-Accounts | Unlimited, free | Fund-based accounting (unlimited funds) |
| Built-in Accounting | Yes, free | Yes (core product — fund accounting) |
| Auto-Categorization | Yes | Manual categorization |
| Nonprofit Features | Yes | Yes (purpose-built) |
| Donor Management | Limited | Yes (built-in CRM) |
| Online Giving/Donations | Contact for details | Yes (integrated giving pages) |
| Physical Debit Cards | Free | N/A (not a bank) |
| Virtual Cards | Free | N/A |
Why choose Holdings over Aplos
Banking + accounting for $0 vs. $948–$2,748/year
Holdings includes both banking and accounting at zero cost. Aplos charges $79–$229/month for accounting alone — you still need a separate bank account on top of that.
1.75% APY on all deposits
Aplos isn't a bank. Whatever bank you pair with Aplos likely pays 0% or near-zero on business checking. Holdings pays 1.75% on everything.
Truly integrated experience
With Holdings, your bank transactions flow directly into your accounting — no imports, no syncing, no reconciliation headaches. Aplos requires you to connect an external bank account and manually or automatically import transactions.
Free domestic wires, ACH, and debit cards
Since Aplos isn't a bank, these features depend entirely on your separate banking provider.
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When Aplos might be the better choice
Aplos may be a better fit if you need More mature fund accounting, Built-in donor management CRM, or Online giving and donation pages.
Frequently asked questions
Is Holdings or Aplos better for nonprofits?
It depends on complexity. Holdings is better for the majority of nonprofits that need solid fund accounting + banking at zero cost. Aplos is better for organizations that need advanced donor CRM, online giving pages, and highly customizable financial reporting.
Can I switch from Aplos to Holdings?
Yes. You'll need to migrate your chart of accounts and historical data. Holdings' onboarding can help with the transition.
Does Aplos include banking?
No. Aplos is accounting software only. You need a separate bank account, which means separate monthly fees, separate logins, and manual transaction imports.
Which has better fund accounting — Holdings or Aplos?
Aplos currently has more mature fund accounting with deeper customization. Holdings' fund accounting covers the core needs of most nonprofits but is newer and evolving.
How much does Aplos cost per year?
Aplos Lite: $948/year. Aplos Core: $1,188/year. Aplos Advanced: $2,748+/year. Plus you need a separate bank account.
Ready to switch?
Open your Holdings account in minutes. Keep your current bank during the transition — move at your own pace.
1.75% APY† • Zero fees^ • FDIC insured to $3M*