Holdings vs Brex
Brex is a great bank. Holdings is the platform that replaces your bank, your accounting software, and your spreadsheets — for free.
Feature comparison
See how Holdings stacks up against Brex
| What you get | Holdings | Brex |
|---|---|---|
| 35+ Free Business Tools | ✅ Included free | ❌ Not included |
| Built-in Accounting | ✅ Included free | ❌ Not included |
| Invoice Generator | ✅ Included free | ❌ Not included |
| Expense Tracking | ✅ Included free | ❌ Not included |
| P&L / Balance Sheet | ✅ Real-time | ❌ Requires QuickBooks |
| Tax Calculators | ✅ Included free | ❌ 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 workspace
Brex gives you cards and expense management, but you still need QuickBooks, an invoice tool, and separate tax prep. Holdings replaces all of them with one free 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 $5/mo.
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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 a bank. It's a financial workspace — 35+ free tools, built-in accounting, invoicing, expense tracking, and tax calculators. Banking is included, but the tools are what replace your QuickBooks, your spreadsheets, and your bookkeeper.
Can I use Holdings tools without switching banks?
Yes. The tools and accounting features are free for everyone. Banking is optional — you can connect your existing bank and still use Holdings as your financial workspace.
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 is $0 with accounting included.
What tools are included free with Holdings?
Holdings includes 35+ 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?
35+ free tools. Free accounting. Connected banking. Try it in 5 minutes.
1.75% APY† • Zero fees^ • FDIC insured to $3M*