Choosing the right banking partner is a pivotal decision for any business—especially if you’re aiming for growth, efficiency, and a financial platform that scales with you. Holdings and Silicon Valley Bank (SVB) are both standout options, but they serve different business needs and stages. Here’s a side-by-side look at what each offers, who they’re best for, and how Holdings stacks up against other top business banking competitors.
Quick Comparison Table
Feature | Holdings | Silicon Valley Bank (SVB) |
|---|---|---|
Interest/APY | Tiered: up to 3.0% APY for large balances | Up to 4.23% APY on qualifying savings |
Monthly Fees | None | Varies: Free (Edge), $50 (ScaleUp), ECR (Analyzed) |
Account Types | Integrated banking + accounting platform | Edge (startups), ScaleUp (venture-funded), Analyzed (scaling/corporate) |
Target Customer | SMBs, growing businesses, digital-first teams | Startups, VC-backed, scaling tech companies |
Accounting Integration | Built-in, automated, plus QuickBooks integration | Connects to QuickBooks, Xero, Expensify |
Bookkeeping | Optional full-service bookkeeping | Not included |
Wire/ACH Fees | Unlimited free wires and ACH | Unlimited incoming/outgoing wires (Edge); fees on some accounts |
ATM Access | Fee-free at Allpoint, cash deposit options | Debit cards, mobile wallet, no cash deposits |
Additional Services | Invoicing, bill pay, multi-account management | Corporate cards, global banking, FX, VC connections |
What Makes Holdings Stand Out?
Truly Fee-Free: No monthly fees, no transaction fees, no wire/ACH fees, and no minimum balance requirements—ever.
High-Yield APY: Earn up to 3.0% APY on large balances, so your cash works harder for you.
All-in-One Platform: Banking, accounting, invoicing, bill pay, and even optional full-service bookkeeping—no more juggling disconnected tools.
Automation for Busy Owners: Automated reporting, reconciliation, and financial management built right in.
Cash-Friendly: Deposit cash at supported locations, with no extra hoops or hidden fees.
Scales with Your Business: Whether you’re a solo entrepreneur or a growing SMB, Holdings adapts to your needs.
Where Silicon Valley Bank Shines
Tailored for Startups & Tech: SVB is the go-to for venture-backed startups, offering specialized accounts for every growth stage.
High-Yield Savings: Up to 4.23% APY on qualifying balances for startups (Edge account).
Global Banking & FX: Access to international banking, foreign exchange, and corporate cards.
VC & Tech Ecosystem: Deep connections in the innovation economy, with resources for fundraising and scaling.
Flexible Account Options: Choose from Edge (startups), ScaleUp (venture-funded), or Analyzed (complex/corporate) to match your business stage.
Who Should Choose Which?
Holdings is best for:
SMBs and digital-first businesses seeking a truly fee-free, all-in-one banking and accounting solution
Companies that want to maximize interest on their deposits with tiered rates up to 3% APY
Owners who value automation, integrated invoicing, and bill pay
Businesses that need to deposit cash or want unlimited free wires and ACH
Teams that want to streamline financial operations and bookkeeping
Silicon Valley Bank is best for:
Startups and tech companies, especially those seeking venture capital or planning to scale rapidly
Businesses that want high-yield savings and access to global banking services
Companies with complex banking needs, including international payments and corporate cards
Entrepreneurs looking for a bank with deep connections in the innovation and VC ecosystem
What About Fees and Limits?
Holdings: No monthly fees, no transaction fees, no wire/ACH fees, unlimited free money movement, and no minimum balance requirements.
SVB: Edge account is free for three years (for startups), ScaleUp has a $50 monthly fee (waivable), and Analyzed Checking uses an earnings credit to offset fees. Some wire and service fees may apply depending on account type.
Compare Holdings to Other Top Business Banks
Curious how Holdings stacks up against other leading business banking solutions? Explore these in-depth comparisons:
The Bottom Line
Both Holdings and Silicon Valley Bank offer powerful business banking solutions—but they serve different needs. Holdings is ideal for SMBs and digital-first businesses that want a truly fee-free, all-in-one platform with high-yield APY and integrated accounting. SVB is a top choice for startups and tech companies seeking specialized support, high-yield savings, and global banking capabilities.
Ready to see how Holdings can help your business grow? Explore our full suite of comparisons above, or get started today