Novo vs Brex: Integrated banking for SMBs

Compare banking, spend management, rewards, and integrations to choose a solution that fits how your business runs day to day and grows with you.

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Novo dashboard

Customer since 2025

Less tools, more money in

"I was using personal accounts, sending invoices in Google Docs, and getting paid through PayPal. It felt messy and unprofessional. Now I have a dedicated account, seamless invoicing, and I just download my reports come tax season."

Rebecca Suby-LongPage St. StudioDesign Studio

Features

Brex

Monthly fees

$0

Paid plans from ~$10/month

Built for

Small businesses

Startups & scaling teams

Integrations

Built-in Invoicing

Automated Budget Allocation

Faster Payments

Automatic Expense Categorization

Business Credit Card Rewards

2% cashback (eligibility-based)

Points-based rewards

ATM Access & Fees

Most networks + up to $7/month reimbursed

See what's coming in, what's going out, and what needs your attention without digging through spreadsheets.

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What other independent business owners are saying

Customer since 2021

No delays, no friction, no headaches

Novo has completely simplified how I manage my business finances. I can track cash flow in real time, organize expenses, and move money fast. No delays, no friction. It keeps me focused on clients instead of fighting with outdated banking.

Adam FernandezA. Fernandez & Co., LLCHR Consulting

Novo includes key tools like invoicing, expense tracking, integrations, and cashback rewards with no monthly maintenance fee. Brex offers a free plan, with additional features and controls depending on plan level.

Yes. Novo offers a business credit card with 2% cashback on purchases.

Novo is designed to be simple and easy to use, so you can manage your finances without extra steps.


Brex is built for multi-user spend management and financial controls, which can add complexity.

Yes. Novo includes built-in invoicing, so you can send invoices and get paid without needing additional tools.

Brex focuses more on spend management and accounts payable workflows.

Novo helps you stay organized with expense categorization, integrations like QuickBooks, and clear transaction tracking.

Brex offers expense management and financial tools geared toward team-based spending.