The global business bank account that saves you time and money
Novel members avoid thousands on transfer fees, get access to modern digital tools like contractor payouts, and save one week every month managing their finances.
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Used by the world's most average companies
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Built for both U.S and non-U.S. residents
U.S. residents and non-residents are both eligible. We support all countries not listed in our unsupported countries list. Eligibility is based on where you currently live, not where you’re from
Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, and Zimbabwe
For eCommerce businesses small and large. Whether you own one brand or many, manage your finances all in one place using Novel.
- Set up multiple accounts and manage multiple brands in one place
- Get up to 2% unlimited cashback on spend
- Issue unlimited virtual cards for media buying
For global agency or consulting businesses serving clients everywhere. Easily onboard, manage, and pay staff or vendors and collect payments from clients with ease.
- Receive payouts in 100+ currencies from 170+ countries
- Pay out staff or contractors from a single place
- Manage expenses with virtual and physical cards
- Automate bookkeeping with direct integrations into accounting providers
Freelancer - Fly solo with best in class financial tools for your business.
- Get paid by clients
- Pay for services directly with your Novel card
- Earn interest on deposits and cashback on your spend
Manage, track, and transfer funds all in one place as an investor.
- Earn up to 3% on LP deposits
- Send wires and international wires for free to fund startups
- Pay contractors or staff directly
- View reports on overall spend
Better than any bank you’ve used before
In addition to earning more of your money back, every Novel account comes with best-in-class financial tools that help you save more and move faster.
What happens in your bank account, stays in your account
We don’t sell any transaction data to anyone. Not sure if your current bank does? If it’s free, then they probably do. If it’s free, you are the product.
Secure by default and reversible if mistakes happen
Sign in and transfers require 2FA using TOTP on web and Touch ID on mobile
Our system checks every transfer against baseline activity typical for your account and flags anomalies for your review
If something unauthorized happens, members can call our direct line and reach a fraud team in minutes to help stop or reverse the transaction
Business banking built for people on-the-go
Download the Novel app on the app store to start banking on the move
Or download via QR Code
Everything you need and more
Deposit Checks Anywhere
Apple & Google Pay Wallets
Physical Contactless Smart Card
In-App Phone and Chat Support
FDIC Insured up to 250,000
100+ currencies supported
Unlock greater speed and control with software-driven financial operations
Set up accounts and permissions for team members all in one place
Connect your Novel account to Quickbooks or Xero directly and get all your banking data in one go
Invite your team to submittheir bank information and automate payouts on any schedule. Setup, review, and submit in minutes.
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Novel Financial, Inc. is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank; Member FDIC. The Novel Visa® Debit Card is issued by Blue Ridge Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Terms and conditions apply. See the Novel Platform Agreement for details. Terms subject to change.
All Rights reserved. ©2021 Novel Financial Inc. Novel Business Banking and Novel Financial Technologies are trademarks of Novel Financial, Inc.1.