Freelancer Banking

Get paid. Track it. File it. Move on.

Free banking, instant invoicing, automatic expense tracking, and quarterly tax estimates — so you can spend time on the work, not the paperwork.

Open a Free Account See How It Works

Join 1,000+ freelancers who've simplified their finances

No credit card required · Set up in under 5 minutes · FDIC insured up to $3M

Holdings Dashboard

Total Balance

$24,831.47

↑ 12.3% from last month

Sub-Accounts

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Operating

$16,240.22

🏛️

Tax Reserve (30%)

$6,891.25

🎯

Emergency Fund

$1,700.00

You handle the clients. We handle the money side.

Banking and accounting designed for how freelancers actually work

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Invoice a client → get paid → see it in your books

Open a dedicated business checking account in minutes. Keep your freelance income, expenses, and taxes cleanly separated — no LLC required.

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Every expense, auto-categorized. Schedule C ready.

Every transaction is automatically categorized for tax time. Set rules for recurring clients and subscriptions so your books stay current.

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Tax-Ready Accounting

Generate P&L statements, track quarterly estimated taxes, and export everything your CPA needs — built in, not bolted on.

How it works

Get set up in minutes, not weeks

Step 1

Open your freelancer account

Account Setup

Business name

SSN or EIN

Identity verification

✓ Account approved — ready in 2 minutes

Step 2

Create sub-accounts for taxes and savings

Set aside money for quarterly taxes, emergency reserves, and project-specific expenses in separate sub-accounts.

Sub-Accounts

💰

Operating

$16,240.22

🏛️

Tax Reserve (30%)

$6,891.25

🎯

Emergency Fund

$1,700.00

Step 3

Get paid and auto-categorize

Share your account details with clients. Incoming payments are automatically categorized and your books update in real time.

Recent Transactions

Acme Corp — Invoice #1042+$4,500

Client Revenue

Adobe Creative Cloud-$54.99

Software

WeWork — Desk Booking-$350.00

Workspace

Step 4

Run reports at tax time

Pull tax-ready P&L reports in seconds. Export to your CPA or connect directly to QuickBooks or Xero.

Profit & Loss — Q1 2026

Revenue$42,300.00

Expenses-$8,420.50

Net Income$33,879.50

Export PDFSend to CPA

What you get

Banking and accounting in one platform

Banking

Zero-fee accounts that earn interest

FDIC insured up to $3M through program bank network
Unlimited sub-accounts for taxes, savings, and projects
Earn 1.75% APY on every dollar
Free domestic wires and ACH transfers
Physical and virtual debit cards with spend controls
No minimum balance, no monthly fees

Accounting

Bookkeeping that runs itself

Auto-categorize every transaction by client or expense type
Profit & Loss, Balance Sheet, and Cash Flow reports
Track quarterly estimated tax obligations
Connect external bank accounts for a complete picture
Export to QuickBooks, Xero, or CSV for your CPA
Upgrade to a dedicated bookkeeper for $100/mo when ready

Trusted by freelancers everywhere

1,000+

Freelancers on Holdings

Monthly fees, forever

4.1★

Trustpilot rating

“Application and banking interface is easy to use. Allows you to get on with your day.”

Smith

Verified Trustpilot Review

Read about the invisible cost of cheap software → Issue No. 3

Free Download

Get the Freelancer Tax Prep Checklist

Everything you need organized before tax season: deductions, quarterly estimates, business vs personal separation. Save hours and money.

We'll send the freelancer tax prep checklist and nothing else. No spam, unsubscribe anytime.

Frequently asked questions

Do I need an LLC to open a Holdings account?+

No. Sole proprietors can open a Holdings business account with just their SSN. If you form an LLC later, you can update your account details without opening a new one.

How does Holdings help with quarterly taxes?+

You can create a dedicated sub-account for estimated taxes. Holdings tracks your income automatically so you always know how much to set aside, and your P&L report makes filing straightforward.

Can I accept client payments directly?+

Yes. Share your account and routing numbers for ACH transfers, or receive wire transfers — both free on Holdings. Payments are automatically categorized when they arrive.

Is the accounting software really included for free?+

Yes. Auto-categorization, P&L reports, Balance Sheets, and Cash Flow statements are all included with every Holdings account at no additional cost.

Can I connect my other bank accounts?+

Yes. Holdings accounting syncs with all your bank and credit card accounts so you get a complete picture of your freelance finances in one place.

How is my money protected?+

Deposits are FDIC insured up to $3,000,000 through our program bank network. Holdings also uses AES-256 encryption and maintains SOC 1 Type II certification.

What if I grow beyond freelancing?+

Holdings scales with you. Add team members with role-based permissions, issue employee cards with spend controls, and manage multiple entities from one dashboard.

Explore Holdings for Freelancers

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