A smart card to simplify your business finances

Get 0.5% unlimited cashback, configurable alerts, and intelligent insights with Novel Smart Card. Both virtual & physical cards included.1
Apply now
PHYSICAL DEBIT CARD

Contactless Smart Card

Visa Business debit card
ATM access included
Use everywhere Visa is accepted
Global shipping available

0.5% Unlimited Cashback1

Help improve your business' bottom line with 0.5% cash back on all transactions. Track and monitor your earnings directly in your account.

Stay on top of business expenses

Get notified about big transactions via email or Slack. Configure alerts for balance or specific merchants.
Business expenses

Intelligent insights to help you save

Minimize wasted spend on subscriptions, duplicate charges, or optimize savings by converting to annual plans where it makes sense.
Notification

Physical cards for every employee

Get physical cards issued for yourself and staff. Ship and use globally! Metal cards coming soon!

Explore more features

Business Checking

Fee-free ACH and International transfers, secure funds, no minimum balance and no hidden fees
Learn more →

Payouts

Pay contractors in 130+
countries instantly

Invoicing

Coming soon
Generate, receive, pay, and send invoices from your Novel account
Explore more features
Business Checking
Fee-free ACH and International transfers, secure funds, no minimum balance and no hidden fees
Payouts
Pay contractors in 130+ countries instantly
Invoicing
Coming soon
Generate, receive, pay, and send invoices from your Novel account
Invoice

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.

Novel vs typical bank account

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Other business banks
Easy online application
Eligible to US Residents and non-residents
No minimum balance
Send free ACH & International 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

Simplify your business finances

Apply now