A debit card that earns its keep
A debit card that works like it should. Use the physical card for the supply run, the virtual card for an online order, and stop by the ATM for cash.
Your money on demand
Use the debit card to spend directly from your Novo account and get Mastercard rewards. No extra fees, no gotchas.
Pay with plastic or spend virtually
The virtual card handles the subscriptions, the online orders, and the new invoice. The physical card handles everything else. And peer-to-peer apps give your customers yet another choice. Same account, flexible options.
Earn rewards while you spend. Seriously.
Most rewards programs make you work for it. Ours are available instantly. Get discounts on software, travel, business tools, and more. All without hunting for them.
Minimal ATM fees, like it should be
Get reimbursed up to $7/month for ATM fees and get free access at partner banks. Because you shouldn’t have to pay to withdraw your own money.
Pay without restrictions
Your card works wherever you go. Spend locally, globally, online, or in person. All without looking over your shoulder.
Secure spending. Global access.
Spend confidently anywhere Mastercard is accepted. Rest easy knowing that we monitor potential identity theft threats, 24/7.
Get Mastercard rewards on select purchases with your Novo Business Debit Card. Score cashback with LUX Rewards, save on Slack and Dropbox subscriptions, and Avis car rentals. Win-win-win.
Managing over $3B in total debit transactions for business owners like you
No ATM fees
“Novo has helped us scale from when we hardly make any money to now when we are sending multiple invoices a week, managing a bunch of vendors.”
YOUR EXPENSES, ORGANIZED
Manage money without headaches. Because our tools were built for independent businesses, not retrofitted for them.
Simplicity, all in one place
“Novo brings simplicity and structure to my finances—a dedicated business account, built-in invoicing, and a business debit card, all in one place.”
How we compare
Traditional banks
Monthly fees
$0
Up to $20/month
Minimum balance requirement
$0
Up to $5,000
Overdraft fees
$0
Up tp $35
Free invoicing and budgeting tools
Integrations
Domestic wires*
Fraud monitoring
Auto-expense categorization
Exclusive partner discounts
FDIC insurance up to $250,000