Best Banks for SaaS Companies: Top Picks for 2025

Best Banks for SaaS Companies: Top Picks for 2025

SaaS companies have their own set of financial hurdles—think recurring revenue, global payments, and the need to scale fast without getting bogged down by fees or clunky systems. Picking the right banking partner isn’t just about where your money sits; it’s about finding a platform that works as hard as your software does.

Here’s a fresh look at the top banking options for SaaS in 2025, with some exciting updates on how Holdings is leading the way, plus new partnerships and milestones that make the future even brighter for founders.

1. Holdings: The Best Digital Banking Solution for SaaS Companies

Why SaaS Founders Love Holdings:

  • Flexible Account Structures: Unlimited subaccounts to track recurring revenue, payroll, and expenses with zero hassle.

  • Global Payment Capabilities: Multi-currency accounts, competitive exchange rates, and no hidden fees.

  • Cost Savings: $0 account fees and no minimum balances—so you keep more of your hard-earned subscription revenue.

  • Integration-Friendly: Seamless connections with Stripe, QuickBooks, and other SaaS essentials.

  • Growth-Ready: Automated invoicing, bill pay, and advanced analytics designed for scaling SaaS companies.

New for 2025:
Holdings recently secured seed funding to accelerate its mission of building a truly integrated financial platform for businesses—combining high-yield banking, accounting, and cash management in one place. Read about our funding milestone and what it means for SaaS founders.

Community Partnerships:
Through Startup Grind x Holdings, SaaS startups can unlock exclusive perks—like $500 cashback for new accounts, no fees, and up to 3% APY. It’s another way Holdings rewards founders for building the future.

Streamlined Financial Solutions:
Holdings also partners with Pilot to deliver best-in-class bookkeeping and financial automation, so SaaS teams can focus on growth, not spreadsheets.

2. Mercury: Best for Tech-Focused Startups

  • Free USD wires, ACH payments, and checks.

  • Integrations with QuickBooks and Zapier.

  • Expense management features built for startups.

Mercury simplifies financial workflows but doesn’t offer the same multi-currency flexibility or deep integration as Holdings.

3. Bluevine: Best for Smaller SaaS Teams

  • 1.5% APY on checking balances, no minimums.

  • Basic automation for accounts payable and invoice tracking.

Great for lean teams, but lacks the robust APIs and global features SaaS companies need as they scale.

4. Brex: Best for Venture-Backed SaaS Startups

  • Corporate credit cards with high limits, no personal guarantees.

  • Treasury management with FDIC insurance up to $6M.

  • Automated expense tracking.

Brex is strong on credit and treasury, but Holdings offers more comprehensive banking and integration features.

5. Arc: Best for Recurring Revenue Tracking

  • Built for SaaS with tools to track subscriptions and recurring revenue.

  • Competitive deposit interest rates and fast account approvals.

Arc is focused on revenue tracking but doesn’t match Holdings’ all-in-one approach to financial management.

Why Holdings Is the Best Choice for SaaS Companies

Holdings checks every box for SaaS founders:

  • Recurring Revenue Management: Subaccounts for precise tracking—no more manual reconciliation.

  • Global Scalability: Multi-currency support and fee-free international transfers.

  • Cost Efficiency: Zero fees, no minimums, and high-yield APY.

  • Integrated Tools: API access and partnerships (like with Pilot) streamline your entire back office.

  • Startup Community Perks: Startup Grind x Holdings offers exclusive benefits for early-stage SaaS startups.

  • Proven Momentum: Backed by recent seed funding, Holdings is building the future of business banking.

Ready to see how Holdings can help your SaaS company scale smarter and faster?
Open an account today and join the next generation of founders who expect more from their bank.

Disclaimers and footnotes

© 2023-2024 Holdings Financial Technologies Inc. All rights reserved.

Holdings is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust and i3 Bank, Members FDIC. The Holdings Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Funds deposited in your Holdings account are held by Evolve Bank & Trust and i3 Bank, Members FDIC. The standard deposit amount is $250,000 per depositor, per insured bank, for each account ownership category.

Through Evolve's Sweep Program, funds may be eligible for up to $5M in FDIC insurance. Find additional information about the Sweep Program here. Through i3 Bank's Sweep Program, funds may be eligible for up to $3M in FDIC insurance. Find additional information about the Sweep Program here

Disclaimers and footnotes

© 2023-2024 Holdings Financial Technologies Inc. All rights reserved.

Holdings is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust and i3 Bank, Members FDIC. The Holdings Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Funds deposited in your Holdings account are held by Evolve Bank & Trust and i3 Bank, Members FDIC. The standard deposit amount is $250,000 per depositor, per insured bank, for each account ownership category.

Through Evolve's Sweep Program, funds may be eligible for up to $5M in FDIC insurance. Find additional information about the Sweep Program here. Through i3 Bank's Sweep Program, funds may be eligible for up to $3M in FDIC insurance. Find additional information about the Sweep Program here

Disclaimers and footnotes

© 2023-2024 Holdings Financial Technologies Inc. All rights reserved.

Holdings is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust and i3 Bank, Members FDIC. The Holdings Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Funds deposited in your Holdings account are held by Evolve Bank & Trust and i3 Bank, Members FDIC. The standard deposit amount is $250,000 per depositor, per insured bank, for each account ownership category.

Through Evolve's Sweep Program, funds may be eligible for up to $5M in FDIC insurance. Find additional information about the Sweep Program here. Through i3 Bank's Sweep Program, funds may be eligible for up to $3M in FDIC insurance. Find additional information about the Sweep Program here