We're flipping banking on it's head and returning all the fees a bank would earn back to you.
Earn 3% on idle cash every month with no maximum. Directly from the Federal Reserve to your bank account.
Get 1.25% cashback on your debit card spend with no limits. Cashback deposited monthly. Traditional banks have never shared this revenue - called interchange - with customers until now.
Send money with ACH or Wires in the U.S. for free and globally to 170+ countries in 140+ currencies. FX rates are wholesale for members and typically 3x cheaper than leading providers like TransferWise or Remitly.
Issue and manage virtual cards from your account. Order physical cards for your team and set limits to control spend.
Deposit checks digitally and get funds cleared within one day - faster than any other bank.
Consolidate and manage all your bills in one place. See reports and more.
Novel makes it easy to connect to the apps your business uses on the daily. Automate your business by linking to Stripe, Paypal, Amazon, and more!
Track business spend with Novel virtual and physical cards. Built with intelligent insights to help you save, card limits to keep you in control, and reports to keep you organized.
Hear it from real Novel customers.
Emery Tran, Trustpilot Review
I'm a big fan of what Novel is doing to disrupt the old-guard of bloated banks. This is a very business friendly solution for anyone that might be interested.
Joseph Pray, Trustpilot Review
Our business made over $1,000 over our old bank in our first month with Novel. Will be recommend to my partners who will need bank accounts
Thomas W. Sweeten, Trustpilot Review
As a founder, I'm always looking for ways to maximize efficiency and streamline processes, banking is no execption. Novel has been great for this, eliminating the hassle of traditional banking.
Fill out your application in under 5 minutes. Get approved in 24 hours.
Deposit funds directly via ACH, wire, or international wire or link Stripe or Paypal.
Start spending on your card and managing your business.