Holdings vs Brex
Brex 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 Brex
| What you get | Holdings | Brex |
|---|---|---|
| 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 (Essentials); $12/user/mo (Premium) |
| APY (Checking) | 1.75% | 0% (checking funds don't earn interest) |
| APY (Savings/Treasury) | 1.75% | ~3.34% via money market fund (Treasury — not FDIC insured) |
| FDIC Insurance | Up to $3M | Up to $6M (Checking via ICS); Treasury is NOT FDIC insured |
| Sub-Accounts | Unlimited, free | Budget-based organization |
| Physical Debit Cards | Free | Free (corporate cards) |
| Virtual Cards | Free | Unlimited virtual cards |
| Domestic ACH | Free | Free |
| Domestic Wire | Free | Free |
Why choose Holdings over Brex
Stop juggling 5 apps — tools, accounting, and banking in one place
Brex gives you cards and expense management, but you still need QuickBooks, an invoice tool, and separate tax prep. Holdings replaces all of them — free banking + invoicing + tools, accounting $25/mo.
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 Brex might be the better choice
Brex may be a better fit if you need Corporate card infrastructure, Higher yield on large balances (with risk), or Enterprise expense management.
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 Brex to Holdings?
Yes. You can transfer funds via ACH or wire. Holdings' onboarding team can help with the transition.
Which has lower fees — Holdings or Brex?
Both have free base tiers, but Brex Premium is $12/user/month and doesn't include accounting software. Holdings banking is $0; full accounting is $25/mo (cheaper than Brex Premium).
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*