Holdings vs Silicon Valley Bank
SVB 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 SVB
| What you get | Holdings | SVB |
|---|---|---|
| 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 for first 3 years (startup program) |
| APY (Checking) | 1.75% | 0% (standard business checking) |
| FDIC Insurance | Up to $3M | $250K standard (First Citizens Bank, N.A.) |
| Sub-Accounts | Unlimited, free | Available (treasury structure) |
| Physical Debit Cards | Free | Free |
| Virtual Cards | Free | Available |
| Domestic ACH | Free | Free (startup tier) |
| Domestic Wire | Free | Free (startup tier, first 3 years) |
Why choose Holdings over SVB
Stop juggling 5 apps — tools, accounting, and banking in one place
SVB is a bank. You still need QuickBooks, Xero, or NetSuite for accounting, plus separate tools for invoicing and expense tracking. 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 SVB might be the better choice
SVB may be a better fit if you need VC ecosystem integration, Venture debt and credit facilities, or Dedicated relationship managers.
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 SVB to Holdings?
Yes, though it's uncommon. If you're a startup that's pivoted to a nonprofit or social enterprise model, Holdings may be a better long-term fit.
Is SVB safe after the 2023 collapse?
SVB was acquired by First Citizens Bank in March 2023. It now operates as a division of First Citizens Bank, N.A., one of the top 20 US banks. Deposits are FDIC insured through First Citizens.
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*