Manage every client's bank and books from one login
Holdings supports multiple companies per login natively — each with its own books, branding, and billing. And because Holdings is both the bank and the ledger, a client's paid invoice is already in the books. Nothing to reconcile. No Plaid lag. No CSV ritual across 30 clients. Stop chasing bank feeds.
If you manage many clients, your real job is reconciliation — and most of it is the tool's fault, not yours.
Every CPA, bookkeeper, and multi-entity owner runs the same broken stack: a bank for each client, plus a separate accounting subscription, connected by a bank feed that lags one to two days, drops duplicates, and leaves uncleared transactions you clean up at month-end. Multiply that by 30 clients and reconciliation becomes the job.
Holdings collapses that stack. It's both the bank and the ledger in one account, so a paid invoice posts itself the moment it's paid — same system, same second, nothing to reconcile. No feed to sync. No CSV to import.
Why the feed lag exists (and why Holdings doesn't have one)
The bank-feed delay your clients' books are always behind isn't a bug you can configure away — it's structural. QuickBooks and Xero are accounting software, not banks, so they pull transactions from your client's bank through a feed (Plaid or a direct connection). That pull is asynchronous: it lags, it duplicates, and it leaves things uncleared. Mercury and Relay are banks, not ledgers — they hold the money but can't keep a P&L, Balance Sheet, or General Ledger of record at all.
Holdings is both. When a client gets paid through their Holdings account, the transaction is already in their Holdings books. There is no second system to reconcile against — so there's nothing to sync, and nothing to chase.
How it works for firms
Step 1: Open your Holdings account free
Sign up at workspace.getholdings.com. Invoicing, quotes, and payment links are free. Full accounting is $25/mo per company with a 30-day free trial — you only pay for the companies where you want the books.
Step 2: Add a company for each client
Holdings supports multiple companies per login natively. Add each client as its own company — each gets its own books, its own invoice branding, and its own billing. You manage them all from one login, switching between clients without juggling separate banks and separate accounting subscriptions.
Step 3: Turn on full accounting where it's needed
Banking, unlimited invoicing, quotes, and payment links are free on every company. For the clients who need real books, switch on the Software plan at $25/mo per company (30-day free trial): full double-entry accounting, P&L, Balance Sheet, General Ledger, bank reconciliation, recurring invoices, and custom branding. You pay $25/mo only for the companies where you want the ledger.
Step 4: Get paid, and the books are already done
With accounting ($25/mo), a paid invoice is already in your books — the payment and the journal entry are the same event, so there's nothing to reconcile and no month-end close. Across a book of 30 clients, that's the difference between reconciliation being your month-end chore and it simply not existing.
Multiple companies, one login — and honest team roles
Multiple companies per login is native and live today. Each client company keeps its own books, its own branded invoices, and its own billing — so a paid invoice for Client A never touches Client B's ledger.
Team roles available today:
- •Owner / Admin: full access to manage companies, money movement, and team
- •Member: view and edit connected accounts, but can't move money or add accounts
- •Bookkeeper: view-only — ideal for staff who reconcile and report but shouldn't move money
- •Per-account scoping (limiting a teammate to specific client companies): on our roadmap, not live yet — we won't claim it as shipped.
Every action is logged with a full audit trail, which matters for firms subject to peer review or examination.
Why firms pick Holdings over QuickBooks + a separate bank
The conventional setup for managing client books is QuickBooks (or Xero) for the ledger plus a separate business bank for each client — two subscriptions, two systems, one fragile feed between them, repeated across every client you serve. Here's the honest contrast:
| QuickBooks/Xero + a bank | Holdings | |
|---|---|---|
| Is it the bank? | No — accounting only; needs a separate bank | Yes — Plaid-connected, or free Holdings checking via i3 Bank |
| Does it keep the books (P&L, Balance Sheet, GL)? | Yes (the accounting tool does) | Yes — on the $25/mo Software plan |
| Does a paid invoice auto-reconcile? | No — waits on a bank feed (lag, duplicates, CSV) | Yes — same system, no feed |
| Many clients, one login? | Separate banks per client + an accountant console | Multiple companies per login, native |
| Cost per client | Accounting subscription + bank, each client | Free banking; $25/mo per company for full books |
Competitor capabilities and pricing change often — verify current details with each provider before relying on this comparison. Mercury and Relay are business banks without a ledger of record; QuickBooks and Xero are accounting tools without a bank.
The point isn't that Holdings does more boxes — it's that being one system removes the feed entirely. Competitors are structurally one half or the other: Mercury and Relay can bank your clients but can't keep their books; QuickBooks and Xero can keep the books but can't be the bank. Only Holdings is both.
What's free, what's $25, said plainly
- •Free on every company: unlimited invoicing, quotes, payment links (card payments via Stripe, roughly 3% + $0.30), 62 free web tools, plus free Holdings business checking (1.75% APY, FDIC to $3M via i3 Bank).
- •$25/mo per company (30-day free trial): full accounting — P&L, Balance Sheet, General Ledger, bank reconciliation, recurring invoices, and custom branding.
We're deliberate about this line: accounting is the paid plan, never free. You decide which clients need the ledger and pay $25/mo only for those.
Bring your clients — talk to us
If you manage many companies as a CPA, bookkeeper, or multi-entity owner, we'd like to hear from you. We'll work through what managing your clients on Holdings looks like for your practice.
Reach us at info@getholdings.com.
Email us about your clientsFrequently Asked Questions
Can I manage multiple clients or companies from one login?
Yes. Holdings supports multiple companies per login natively — this is live today, not a roadmap item. Each company has its own books, its own invoice branding, and its own billing. You switch between them from a single account, so you don't juggle separate logins, separate banks, and separate accounting subscriptions for every client.
Is the accounting free?
No — and we won't pretend otherwise. Unlimited invoicing, quotes, and payment links are free. Full accounting — P&L, Balance Sheet, General Ledger, bank reconciliation, recurring invoices, and custom branding — is the Software plan at $25/mo per company, with a 30-day free trial. You only pay $25/mo for the companies where you actually want the books.
Does Holdings connect to my clients' existing banks?
Yes. Connect any client's bank via Plaid and Holdings pulls transactions, categorizes them, and keeps the P&L, Balance Sheet, and General Ledger current. Nothing forces a bank switch. Holdings also includes free business banking via i3 Bank (Member FDIC, coverage to $3M, 1.75% APY) for clients who want the whole stack in one place — deposits from Holdings banking auto-reconcile to the books the moment they clear, no Plaid pull needed.
What team roles are available for my staff?
Holdings supports Owner, Admin, Member, and Bookkeeper (view-only) roles, each with a complete audit trail of who did what. Per-account scoping — limiting a specific teammate to specific client companies — is on our roadmap, not live yet, so we won't claim it as shipped. Today, multiple companies per login and the role tiers above are live.
Do you have a referral or partner program for accountants?
If you manage clients and want to bring them onto Holdings, talk to us — we'd like to hear from firms and bookkeepers managing many companies. Reach out at info@getholdings.com and we'll work through what makes sense for your practice. We won't quote specific referral terms or payouts here until they're something you can rely on.
What reports does Holdings generate?
On the Software plan ($25/mo per company), Holdings generates a Profit & Loss statement, a Balance Sheet, and a General Ledger, plus bank reconciliation. These are the financial statements most firms reach for first. We're precise about scope: a standalone cash-flow report is not one of the statements Holdings generates today.
Can I move my clients over without disrupting their existing setup?
Yes. Opening a Holdings account is free with no minimum deposit, so a client can run Holdings alongside their current bank while you migrate at your own pace. Set up each company, turn on the $25/mo Software plan for the ones that need full books, and move balances via ACH (free) or wire. Most transitions happen over a few weeks in parallel — no hard cutover required.
One login for every client's money and math
Free unlimited invoicing on every company. Multiple companies per login. Full books from $25/mo per company. Free Holdings business checking via i3 Bank underneath.
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