Use any tool. Pay only
when you need more.
35+ free business tools. No account required, no hidden fees. Need payment processing or premium features? Pay as you go. Want everything connected to your books? Go Pro.
Everything you need to run your business-no monthly fee
Banking
- Unlimited business checking accounts
- No monthly fees or minimums^
- 1.75% APY on all balances†
- Domestic ACH and wire transfers
- FDIC insured up to $3M*
Cards
- Physical and virtual debit cards
- Per-card spend controls and limits
- Real-time transaction notifications
- 55,000+ fee-free ATMs^
- Lock/unlock instantly
Accounting Software
- Transaction workspace for all accounts
- Bulk categorization tools
- P&L, balance sheet, cash flow reports
- Cash and accrual basis support
- Connect external bank accounts
Three ways to use Holdings
Start free with any tool. Pay per use when you need power features. Go Pro and connect everything to your books.
Free
$0/mo forever
No account needed
- 35+ business tools
- Professional PDF exports
- Unlimited use, no watermarks
- Free banking + accounting (with account)
- 1.75% APY on all balances
- FDIC insured up to $3M
- Physical + virtual debit cards
- 55,000+ fee-free ATMs
Best for: Anyone who needs a quick tool right now
Start Using ToolsPay As You Go
$0/mo — pay per use
Just add a card
Everything in Free, plus:
- Collect invoice payments
Card: 2.9% + $0.30 | ACH: 1%
- Unlimited receipt scanning
$0.25/scan
- AI cash flow forecasts
$4.99/report
- Contractor payments
$4.99 or 1%
- 1099 e-filing
$4.99/form
- Bill payments
$0.99/bill
- Detailed business valuation
$9.99
Best for: Businesses that need specific power features without a subscription
Add a CardPro
$19
/moOr free with $10K+ balance
30-day free trial. No credit card required.
Everything in PAYG, at lower cost:
- Processing at cost
Card: ~2.2% + $0.30 | ACH: 0.5%
- Unlimited receipt scanning
Included
- Unlimited reports
Included
- Every tool connected to your books
- Invoice → auto-recorded as revenue
- Receipt → OCR → match → categorize
- Payroll → calculated & booked
Best for: Businesses ready to automate their finances
Or get Pro free — forever
Maintain a $10,000 minimum balance in your Holdings account and Pro is included at no cost. You also earn 1.75% APY on your balance. Your money works for you, not the other way around.
See the savings
PAYG is the try-before-you-buy. Pro is where the math makes sense.
💻 Freelancer
Billing $5,000/mo in invoices
| PAYG | Pro | Savings | |
|---|---|---|---|
| Card processing (2 payments) | $319 | $244 | $75/mo |
| Receipt scanning (20/mo) | $5 | $0 | $5/mo |
| Quarterly tax report | $5 | $0 | $5/mo |
| Monthly cost | $329 | $19 + $244 = $263 | $66/mo |
💡 Keep $10K in your Holdings account → Pro is free → save $85/mo total
35+ tools work without login — no signup, no watermarks. Try them at getholdings.com/tools →
Compare what's included
| Feature | Free | Pay As You Go | Pro |
|---|---|---|---|
| 35+ business tools | |||
| Professional PDF outputs | |||
| Free business checking — no fees, no minimums | With account | ||
| 1.75% APY on all balances | With account | ||
| Accounting software (P&L, balance sheet, cash flow) | With account | ||
| Collect invoice payments (card) | 2.9% + $0.30 | ~2.2% + $0.30 | |
| Collect invoice payments (ACH) | 1% | 0.5% | |
| Receipt scanning | 5/mo | $0.25/scan | Unlimited |
| AI cash flow forecast | Basic | $4.99/report | Unlimited |
| Contractor payments | Records only | $4.99/payment | $1.99/payment |
| 1099 e-filing | $4.99/form | $2.99/form | |
| Bill payments | Track only | $0.99/bill | Included |
How Holdings compares
| Platform | Price | Free Tools | PAYG | Banking | Accounting | Connected |
|---|---|---|---|---|---|---|
| QuickBooks | $35–275/mo | Partial | ||||
| FreshBooks | $19–77/mo | Partial | ||||
| Wave | Free | Partial | ||||
| Mercury | Free | |||||
| HoneyBook | $36–129/mo | Partial | ||||
| Holdings | $0–$19/mo |
Start free. Add a card when you need more. Go Pro when the math makes sense.
Add a dedicated bookkeeper when you're ready
Pricing is based on your average monthly revenue
Catch-up bookkeeping for historical months available for an additional one-time fee.
No contracts. Cancel bookkeeping anytime - your free tools and accounting stay active.
What's included with bookkeeping
Dedicated bookkeeper
A named professional who learns your organization-not a rotating team.
Custom setup
Chart of accounts structured to match how you run your organization.
Automated categorization
Transactions organized automatically with human oversight.
Monthly close
P&L and balance sheet delivered within 10 days of month-end.
Tax-ready books
Year-end financials ready for your CPA.
Cash-flow visibility
See what's coming in and out for the next 4-8 weeks.
Why Holdings beats the alternatives
DIY Bookkeeping
$0
+ 5-10 hrs/month
N/A
Part-time Bookkeeper
$500-1,000
+ separate banking
Usually required
Holdings
$100-600
Banking + Books included
No contract
Most outsourced bookkeeping starts at $300-$600/month and still doesn't include your banking. Holdings combines both so you get one team, one bill, one back office.
Banking and accounting software are free whether you add bookkeeping or not.
Calculate your ROI
See exactly how much you'll save with Holdings tools, accounting, and banking
Who is Holdings for?
Built for founders and small teams who want one place for banking, accounting, and books
Freelancers & Content Creators
Keep income organized, track business expenses, and stay ready for quarterly taxes. One place for payments, spending, and books.
E-Commerce Sellers
Manage marketplace fees, inventory costs, and payment processor accounts. Clean books make it easier to get financing when you're ready to grow.
Contractors & Consultants
Separate business and personal finances, track project income and expenses, and hand off clean books to your accountant at tax time.
Small Teams & Startups
Issue cards with controls, organize cash by purpose (operating, payroll, tax reserves), and keep books current for investors or lenders.
Frequently asked questions
Straight answers about Holdings pricing
What's the difference between Free and Pay As You Go?
Free gives you 35+ business tools, banking, and accounting software at no cost. Pay As You Go adds payment collection, receipt scanning, and premium features — just add a card and pay per use. No subscription required.
Do I need a Holdings bank account for Pay As You Go?
No. You just need a card on file for per-use charges. A Holdings bank account is optional (but it's free and earns 1.75% APY, so it's worth it).
What does 'processing at cost' mean for Pro?
Pro members get payment processing at our actual cost from Stripe — no Holdings markup. That means ~2.2% + $0.30 for cards and 0.5% for ACH, compared to the standard 2.9% + $0.30 and 1% on Pay As You Go.
Can I switch between Pay As You Go and Pro anytime?
Yes, you can upgrade to Pro or cancel back to PAYG at any time, even mid-month. Your data and tools stay the same — Pro just adds lower rates and connected accounting.
What happens to my data if I cancel Pro?
Everything stays. Your tools, documents, and accounting data remain accessible. You just lose the connected features (auto-sync between tools and books) and go back to PAYG rates for processing.
Are there any hidden fees?
No hidden monthly fees. Banking and accounting are free. Processing fees are clearly listed for each tier. Some banking transactions carry pass-through fees: international wires ($25), returned ACH ($5), and expedited transfers ($10). All fees are disclosed before you sign up.
How is Holdings free?
We make money the same way every bank does - just without charging you for it.
When you use your Holdings Visa debit card, merchants pay a small interchange fee (1-2% of the transaction). That\u2019s revenue for us. We also earn interest on deposits held with our banking partner, i3 Bank, Member FDIC.
For businesses that need more — payment collection, receipt scanning, contractor payments — we offer Pay As You Go pricing with transparent per-use fees. And Pro ($19/mo) connects every tool to your books at lower processing rates. Or keep $10K+ in your account and Pro is free.
No hidden charges. No minimum balance tricks. The tools are free. Power features are pay-per-use. And Pro pays for itself in processing savings.
Ready to get started?
Start with free banking + accounting
Open your account in minutes. No credit card required. Add bookkeeping whenever you're ready.
Get StartedTalk to Our Team
Have questions about pricing, setup, or what's included? Our team can walk you through it.
Schedule a callReady to start?
Open a free account in under 5 minutes.
Most businesses are fully set up in 3–5 business days. No contracts, no minimums, no surprises.
\u201cI had a fantastic onboarding experience with Holdings. The process was smooth, and their team was incredibly helpful every step of the way. Customer service was top notch.\u201d
\u2014 Spencer Gunnell, Trustpilot Review
Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc.
Explore More
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Free Accounting Software
Automatic categorization, P&L, and balance sheets.
Dedicated Bookkeeper Plans
Professional bookkeepers manage your books monthly.
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Savings Calculator
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