Holdings vs Silicon Valley Bank
SVB 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 SVB
| What you get | Holdings | SVB |
|---|---|---|
| 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 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 workspace
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 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 for $0.
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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 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 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 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*