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About
Product
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Enterprise
Coming soon
Over $30,000 in payroll? Contact us for a custom quote. Looking to open many
accounts for staff or vendors?→
Solutions
Banking for Freelancers
Banking for freelancers. Access all of your account information in one place.
Banking For Software Companies
Banking for software companies. Manage your business all in one place.
Banking for Agencies
Manage your agencies finances all in one place. Pay your global team.
Banking for eCommerce Companies
Instant credit cards with 1% cash back, free intl. transfers to pay suppliers,
and much more
Enterprise
Coming soon
Looking to open many accounts for staff or vendors? Learn more →
Help CenterFAQContact
Product
Business Checking
FDIC Insured up to $250,000 and no fee transfers
Smart Card
Virtual and physical cards with 0.5% cash back, limits, alerts and more
Payouts
Global payroll and compliance for your remote team
Invoicing
COMING SOON
Use Cases
eCommerce
Powerful financial tools to start, run, and grow your eCommerce company
Agency
Powerful financial tools to start, run, and grow your agency.
Software
Powerful financial tools to start, run, and grow your software company.
Freelancer
Powerful financial tools to start, run, and grow your freelance business
Pricing
Log inSign up

Product
Business Checking
Payouts
Smart Card
Invoicing
Coming soon
Use Cases
eCommerce
Software
Agency
Freelancer
Use Cases
eCommerce
Software
Pricing
About
Product

Banking for Freelancers
Banking For Software Companies
Banking for Agencies
Banking for eCommerce Companies
FAQ
FAQ
FAQ
FAQ
Banking for Freelancers
Banking For Software Companies
Banking for Agencies
Banking for eCommerce Companies
Help Center
FAQ
Contact
Log inApply Now




About
Product
No items found.
Enterprise
Coming soon
Over $30,000 in payroll? Contact us for a custom quote. Looking to open many
accounts for staff or vendors?→
Solutions
Banking for Freelancers
Banking for freelancers. Access all of your account information in one place.
Banking For Software Companies
Banking for software companies. Manage your business all in one place.
Banking for Agencies
Manage your agencies finances all in one place. Pay your global team.
Banking for eCommerce Companies
Instant credit cards with 1% cash back, free intl. transfers to pay suppliers,
and much more
Enterprise
Coming soon
Looking to open many accounts for staff or vendors? Learn more →
Help CenterFAQContact
Product
Business Checking
FDIC Insured up to $250,000 and no fee transfers
Smart Card
Virtual and physical cards with 0.5% cash back, limits, alerts and more
Payouts
Global payroll and compliance for your remote team
Invoicing
COMING SOON
Use Cases
eCommerce
Powerful financial tools to start, run, and grow your eCommerce company
Agency
Powerful financial tools to start, run, and grow your agency.
Software
Powerful financial tools to start, run, and grow your software company.
Freelancer
Powerful financial tools to start, run, and grow your freelance business
Pricing
Log inSign up

Product
Business Checking
Payouts
Smart Card
Invoicing
Coming soon
Use Cases
eCommerce
Software
Agency
Freelancer
Use Cases
eCommerce
Pricing
About
Log inApply Now




Launch me



SIMPLIFY YOUR BUSINESS FINANCES

Novel is all your business financial apps in one place: banking, payouts,
invoicing, cards & more
Apply Now

Launch me


BUSINESS BANKING THAT JUST WORKS

BUSINESS CHECKING


ADD MONEY FROM ANYWHERE, IN MINUTES

From your favorite apps:

OTHER BANKS
Or the traditional banking system:
INTERNATIONAL WIRE
INTL.
WIRE
DOMESTIC WIRE
DOMESTIC ACH
DOMESTIC
ACH
NO MINIMUMS, NO FEES


MORE MONEY FOR THE THINGS THAT MATTER

No minimum balance or minimum transaction requirements and zero fees on domestic
ACH, wire, and international wires for Novel Plus plan members.

SMART CARD


0.5% UNLIMITED CASHBACK1

Virtual cards issued instantly. Available to you and your team.



CARD LIMITS AND ALERTS TO KEEP YOU IN CONTROL

Stay in control of your business finances



INTELLIGENT INSIGHTS TO HELP YOU SAVE

We help you find opportunities to save
PHYSICAL DEBIT CARD


CONTACTLESS SMART CARD

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

PRIVACY & SECURITY


YOUR MONEY,
YOUR BUSINESS,
YOUR DATA.

We don't share your data with third-parties like other banks
Learn more about our approach to security →


NO CREDIT CHECKS

We don't need to know your your credit history. We think it's more important to
focus on your future–not the past.


SUPPORT WITH REAL HUMANS

Reach real human support in minutes by phone, chat, or email.

MOBILE DEPOSIT


DEPOSIT CHECKS ANYWHERE

Scan and deposit checks from your mobile device, wherever you are.

DIGITAL WALLET SUPPORT


APPLE & GOOGLE PAY WALLETS

Add your Novel Smart Card to your preferred digital wallet for secure mobile
payments.



BILL PAY

COMING SOON
Pay 20,000 different vendors directly from your Novel account

FREQUENTLY ASKED QUESTIONS

Am I eligible?
+

U.S. residents and non-residents are both eligible. Eligibility is based on
where you currently live. We support all individuals in all countries except for
the following: Belarus, Burundi, Central African Republic, Cuba, Democratic
Republic of the Congo, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea,
Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, and Zimbabwe
What do I need to apply?
+

You’ll need a U.S. company with a federal EIN, your company’s official formation
documents, and a picture of your government ID (e.g. a passport or US driver’s
license).
Do you provide a debit card?
+

Yes, we do. Your physical card is free on the Plus plan and $6 on the Standard
plan. All cards under the Novel Plus plan come with 0.5% cash back on all spend.
What does Novel cost?
+

Novel costs from $9.99/mo to $49.99/mo depending on the plan. Check out our
pricing page for more details.
Can I connect my Novel account to payment processors like Stripe?
+

Yes! You can connect Stripe or PayPal to your Novel account. Your account and
routing are listed in your account.

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.




DON'T JUST TAKE OUR WORD FOR IT

Great bank to start up. In the early days, I wasn't meant to use this bank, but
we're a hemp business with an international maker. We couldn't come to the
United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're
the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller

I have been using for over a month now and I absolutely love it. The user
experience is great and the service + customer support is top notch. It solved
the biggest issue a startup can face - Having a virtual bank account that is
fast, reliable and provides great support.
Hassan Sarwar

I am a new user of Novel banking. The process of receiving payments and sending
them has been seamless so far. The team's pretty quick to respond and quite
helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on
using Novel more often and may come back with more feedback later on. Thanks
Novel! :)
Ihsan Moore

Blazing fast, frankly frightening how convenient it is to handle all my startup
accounts and budgets. Save me so much manual work that I can actually
concentrate on building and running a business.
Elsa Hayden

I needed a bank account that I could open online and find Novel. Their website
looks fantastic, and they didn't charge me any secret fees. I've been a client
for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of
Novel and spoke to real people. They followed up with the payment, contacted me
back, and had it fixed.
Luella Jacobs

I highly recommend Novel, and that's why:-
Exceptional service; (the CS does a great job of resolving problems in a timely
manner)-The code is easy to use (online banking)-Simply, done right (everything
is straightforward, unlike the other banks that overcomplicate things by needing
to call 3 different departments)A: Cons:I wish I could know about them earlier.
Marie Hill

Great bank to start up. In the early days, I wasn't meant to use this bank, but
we're a hemp business with an international maker. We couldn't come to the
United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're
the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller

I have been using for over a month now and I absolutely love it. The user
experience is great and the service + customer support is top notch. It solved
the biggest issue a startup can face - Having a virtual bank account that is
fast, reliable and provides great support.
Hassan Sarwar

I am a new user of Novel banking. The process of receiving payments and sending
them has been seamless so far. The team's pretty quick to respond and quite
helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on
using Novel more often and may come back with more feedback later on. Thanks
Novel! :)
Ihsan Moore

Blazing fast, frankly frightening how convenient it is to handle all my startup
accounts and budgets. Save me so much manual work that I can actually
concentrate on building and running a business.
Elsa Hayden

I needed a bank account that I could open online and find Novel. Their website
looks fantastic, and they didn't charge me any secret fees. I've been a client
for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of
Novel and spoke to real people. They followed up with the payment, contacted me
back, and had it fixed.
Luella Jacobs

Great bank to start up. In the early days, I wasn't meant to use this bank, but
we're a hemp business with an international maker. We couldn't come to the
United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're
the best, the easiest bank out there. No BS and top-notch customer service
Marie Hill



DON'T JUST TAKE OUR WORD FOR IT

I needed a bank account that I could open online and find Novel. Their website
looks fantastic, and they didn't charge me any secret fees. I've been a client
for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of
Novel and spoke to real people. They followed up with the payment, contacted me
back, and had it fixed.
Luella Jacobs

I have been using for over a month now and I absolutely love it. The user
experience is great and the service + customer support is top notch. It solved
the biggest issue a startup can face - Having a virtual bank account that is
fast, reliable and provides great support.
Hassan Sarwar

I am a new user of Novel banking. The process of receiving payments and sending
them has been seamless so far. The team's pretty quick to respond and quite
helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on
using Novel more often and may come back with more feedback later on. Thanks
Novel! :)
Ihsan Moore

Blazing fast, frankly frightening how convenient it is to handle all my startup
accounts and budgets. Save me so much manual work that I can actually
concentrate on building and running a business.
Elsa Hayden

Great bank to start up. In the early days, I wasn't meant to use this bank, but
we're a hemp business with an international maker. We couldn't come to the
United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're
the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller

I highly recommend Novel, and that's why:-
Exceptional service; (the CS does a great job of resolving problems in a timely
manner)-The code is easy to use (online banking)-Simply, done right (everything
is straightforward, unlike the other banks that overcomplicate things by needing
to call 3 different departments)A: Cons:I wish I could know about them earlier.
Marie Hill







GET PEACE OF MIND WITH TOP NOTCH SECURITY


DATA ENCRYPTION

All your data is encrypted with AES 256 bit encryption.


GEO-FENCED

Your money is held securely in a geo-fenced account


2-FACTOR AUTH

Secure your account with 2 Factor Auth (2FA) for added peace of mind


FRAUD PROTECTION

Get alerts on big transactions and automatic fraud monitoring
Learn more about our approach to security →


TOOLS TO HELP YOU MANAGE YOUR MONEY BETTER


PAYOUTS

Send payouts to staff and vendors in 130+ currencies




CREDIT BUILDER

Coming soon
Build credit automatically while you build your business


RECONCILIATION

Put data into your accounting provider instantly


INVOICING

Coming soon
Send and receive invoices all in one place


TOOLS TO HELP YOU MANAGE YOUR MONEY BETTER


PAYOUTS

Send payouts to staff and vendors in 130+ currencies


CREDIT BUILDER

Coming soon
Build credit automatically while you build your business


RECONCILIATION

Put data into your accounting provider instantly


INVOICING

Coming soon
Generate, receive, pay, and send invoices from your Novel account





NOVEL VS TYPICAL BANK ACCOUNT

Scroll right to view more
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 TODAY

Apply Now
Company
AboutPricingHelp CenterAffiliate ProgramContactBlogPerksSecurity & Policy
Product
Business CheckingSmart CardPayouts
Invoicing
Coming Soon
PayoutsInvoicing
Use Cases
eCommerceAgencySoftwareFreelancerSoftwareAgencyFreelancer
Banking services provided by Blue Ridge Bank; Member FDIC



Banking services provided by Blue Ridge Bank; Member FDIC








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. Novel Debit Card cashback is 0.5% as of September 16, 2021 and subject to
change. Novel Debit Card cashback is for eligible Plus Plan members only. Plus
Plan members can earn 0.5% Cash Back on debit card purchases. Cash back earned
each month will be credited to your Novel Financial Inc. account by the next
month’s statement cycle. ATM transactions are not qualifying transactions.
Qualifying transactions are categorized as any non-ATM or cash advance debit
card transaction on your account. Both in-person and online purchases are
eligible for cash back. There is no minimum opening deposit and no minimum
balance requirements. Cash back offer terms and conditions are subject to change
without notice.
2. Novel is not a bank. Novel partners with FDIC-insured banks to offer its
products and services.



Privacy PolicyTerms & ConditionsSecurity & PolicyDeposit AgreementCardholder
AgreementCash Back ProgramElectronic Disclosure