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Simplify your business finances

Novel is all your business financial apps in one place: banking, payouts, credit cards & more
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Novel is a financial technology company, not a bank.
Banking services provided by Blue Ridge Bank, Member FDIC.

Business banking that just works

BUSINESS CHECKING

Add money from anywhere, in minutes

From your favorite apps:
OTHER BANKS
Or the traditional banking system:
INTERNATIONAL WIRE
INTL.
WIRE
DOMESTIC WIRE
DOMESTIC ACH
DOMESTIC
ACH
NO MINIMUMS, NO FEES

Zero fees means more money for the things that matter

No minimum balance or minimum transaction requirements. Zero fees on domestic ACH, wire, and international wires.
SMART CREDIT CARD

1% Unlimited Cashback

Secured against your account balance. Issued instantly. Available to you and your team. No silly limits on how many cards you can have.

Card limits and alerts to keep you in control

Stay in control of your business finances

Intelligent insights to help you save

We help you find opportunities to save
PRIVACY & SECURITY

Your money,
your business,
your data.

We don't share your data with third-parties like other banks

Grow your money fast

Put your money to work for you with 0.50% Annual Percentage Yield (APY)*

Support with real humans

Reach real human support in minutes by phone, chat, or email.

Questions?

Am I eligible?
+
U.S. residents and non-residents are both eligible. Eligibility is based on where you currently live. We support all individuals in all countries except for the following: Belarus, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, and Zimbabwe
What do I need to apply?
+
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g. a passport or US driver’s license).
Do you provide a debit card?
+
We offer instant virtual credit cards with 1% cashback in your account. We're working hard to bring physical debit cards to our customers.
Can I connect my Novel account to payment processors like Stripe?
+
Yes! You can connect Stripe or PayPal to your Novel account. Your account and routing are listed in your account.
Are my deposits FDIC insured?
+
Yes, all deposits are FDIC insured up to $250,000. Novel works with FDIC insured banks including Blue Ridge Bank, Member FDIC, to store your deposits.

Get started in minutes

Sign up today

Fill out your application in under 5 minutes. Get approved in 24 hours.

Make a deposit

Deposit funds directly via ACH,
wire, or international wire or link
Stripe or PayPal.

Start banking!

Start spending on your card and managing your business.

Don't just take our word for it

Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller
I have been using for over a month now and I absolutely love it. The user experience is great and the service + customer support is top notch. It solved the biggest issue a startup can face - Having a virtual bank account that is fast, reliable and provides great support.
Hassan Sarwar
I am a new user of Novel banking. The process of receiving payments and sending them has been seamless so far. The team's pretty quick to respond and quite helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on using Novel more often and may come back with more feedback later on. Thanks Novel! :)
Ihsan Moore
Blazing fast, frankly frightening how convenient it is to handle all my startup accounts and budgets. Save me so much manual work that I can actually concentrate on building and running a business.
Elsa Hayden
I needed a bank account that I could open online and find Novel. Their website looks fantastic, and they didn't charge me any secret fees. I've been a client for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of Novel and spoke to real people. They followed up with the payment, contacted me back, and had it fixed.
Luella Jacobs
I highly recommend Novel, and that's why:-
Exceptional service; (the CS does a great job of resolving problems in a timely manner)-The code is easy to use (online banking)-Simply, done right (everything is straightforward, unlike the other banks that overcomplicate things by needing to call 3 different departments)A: Cons:I wish I could know about them earlier.
Marie Hill
Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller
I have been using for over a month now and I absolutely love it. The user experience is great and the service + customer support is top notch. It solved the biggest issue a startup can face - Having a virtual bank account that is fast, reliable and provides great support.
Hassan Sarwar
I am a new user of Novel banking. The process of receiving payments and sending them has been seamless so far. The team's pretty quick to respond and quite helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on using Novel more often and may come back with more feedback later on. Thanks Novel! :)
Ihsan Moore
Blazing fast, frankly frightening how convenient it is to handle all my startup accounts and budgets. Save me so much manual work that I can actually concentrate on building and running a business.
Elsa Hayden
I needed a bank account that I could open online and find Novel. Their website looks fantastic, and they didn't charge me any secret fees. I've been a client for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of Novel and spoke to real people. They followed up with the payment, contacted me back, and had it fixed.
Luella Jacobs
Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Marie Hill

Get peace of mind with top notch security

Bank Grade Encryption

All your data is encrypted with AES 256 bit bank grade encryption.

Geo-fenced

Your money is held securely in a geo-fenced account

2-Factor Auth

Secure your account with 2 Factor Auth (2FA) for added peace of mind

Fraud Protection

Get alerts on big transactions and automatic fraud monitoring
Learn more about our approach to security

Tools to help you manage your money better

Payouts

Send payouts to staff and vendors in 130+ currencies

Credit Builder

Build credit automatically while you build your business

Reconciliation

Put data into your accounting provider instantly

Invoicing

Coming soon
Send and receive invoices all in one place

Novel vs typical bank account

Scroll right to view more
Other business banks
Easy online application
Eligible to US Residents and non-residents
No minimum balance
Send free ACH & wires worldwide
Unlimited users and cards
Builds business credit
Cashback
Live support in minutes
Payouts, invoicing, direct payments, and wire transfers all in one place

Start building your online business today

Apply Now