Holdings vs Axos Bank
Axos is a great bank. Holdings replaces your bank (free), your spreadsheets, and your accounting software ($25/mo — your invoices and payments are already in your books).
Feature comparison
See how Holdings stacks up against Axos
| What you get | Holdings | Axos |
|---|---|---|
| 62 Free Tools | ✅ $25/mo | ❌ Not included |
| Built-in Accounting | ✅ $25/mo | ❌ Not included |
| Invoice Generator | ✅ $25/mo | ❌ Not included |
| Expense Tracking | ✅ $25/mo | ❌ Not included |
| P&L / Balance Sheet | ✅ Real-time | ❌ Requires QuickBooks |
| Tax Calculators | ✅ $25/mo | ❌ Not included |
| Monthly Fee | $0 | $0 |
| APY (Checking) | 1.75% | 0% (Basic); 0.20% (Interest Checking) |
| APY (Savings) | 1.75% | 3.60% (Business Premium Savings) |
| FDIC Insurance | Up to $3M | $250K standard; up to $200M+ via ICS |
| Sub-Accounts | Unlimited, free | Limited |
| Physical Debit Cards | Free | Free |
| Virtual Cards | Free | Not standard |
| Domestic ACH | Free | Free |
| Domestic Wire | Free | $15 outgoing; $0 incoming |
Why choose Holdings over Axos
Stop juggling 5 apps — tools, accounting, and banking in one place
Axos is a bank with no app integrations at all. You can't even sync with QuickBooks. Holdings replaces your bank (free), your accounting software ($25/mo), and your spreadsheets — one platform.
Your invoices auto-update your books
Send an invoice in Holdings and it automatically flows into your P&L, updates your balance sheet, and categorizes the income. No manual entry, no reconciliation.
Tax time takes 10 minutes, not 10 hours
Holdings auto-categorizes every transaction, generates real-time P&L and balance sheets, and includes tax calculators. Your books are always tax-ready.
Replace $100+/mo in software with a free platform
QuickBooks ($30-80/mo) + invoicing tool ($15-30/mo) + expense tracker ($10-20/mo) = $55-130/mo. Holdings includes all of it from $0/mo.
Get the Platform Switch Checklist
Thinking about switching? This step-by-step checklist covers everything: migrating accounts, setting up your tools, and getting your books connected automatically.
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When Axos might be the better choice
Axos may be a better fit if you need 3.60% APY on savings, Unlimited ATM fee refunds, or Free cash deposits at ATMs.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just banking. It's 62 free tools, built-in accounting, invoicing, expense tracking, and tax calculators. Banking, invoicing, and the tools are free; full accounting ($25/mo) replaces your QuickBooks, your spreadsheets, and your bookkeeper — so your books are already done. Nothing to reconcile.
Can I use Holdings tools without switching banks?
Yes. The free tools are free for everyone; full accounting is $25/mo. Banking is optional — you can connect your existing bank and still use Holdings as your financial platform.
Can I switch from Axos to Holdings?
Yes. Open a Holdings account and transfer via ACH. Note that Axos savings withdrawals are limited to 20/month.
Which has higher interest — Holdings or Axos?
Depends on the account. Axos Premium Savings (3.60%) beats Holdings' 1.75%. But Axos checking earns 0%, while Holdings checking earns 1.75%. Total value depends on how you split your funds.
What tools are included free with Holdings?
Holdings includes 62 free tools: invoice generator, expense tracking, P&L and balance sheets, tax calculators, receipt capture, cash flow forecasting, and more. All free, all connected to your accounts automatically.
Ready to run your business from one place?
62 free tools. Free banking. Free invoicing. Accounting from $25/mo.
1.75% APY† • Zero fees^ • FDIC insured to $3M*