Novo Bank Plans Pricing
Novo business checking is free - no monthly fees, no minimum balance, and no minimum opening deposit. Revenue comes from paid add-on products rather than account fees or API metering. There is no public developer API and therefore no API pricing tier; the entries below describe Novo's banking product plan and its optional paid add-ons (Novo Funding cash advances, the Novo Business Mastercard, and faster Express ACH payouts). Standard fee schedule items (e.g. outgoing wires, insufficient-funds, foreign-transaction handling) apply per Novo's published fee schedule.
Novo Bank Plans Pricing is the machine-readable pricing-plan profile for Novo on the APIs.io network, conforming to the API Commons Plans specification.
It defines 4 plans, covering free and usage tiers, with named plans including Novo Business Checking, Express ACH, Novo Funding, Novo Business Mastercard.
Tagged areas include Banking, Business Banking, Fintech, Small Business, and Freelancers.
Plans
Free business checking account for small businesses and freelancers with no monthly fees, no minimum balance, and no minimum opening deposit. Includes invoicing, reserves, bookkeeping/categorization, and prebuilt integrations.
- Business Checking
- Invoicing
- Reserves
- Bookkeeping
- Integrations
Optional faster ACH payout that accelerates settlement for an added fee. Pricing is set by Novo and varies; confirm on the fee schedule.
- Faster Payouts
Merchant cash advance / funding product for eligible Novo customers. Cost is expressed as a fixed fee/factor on the advanced amount rather than a traditional APR; eligibility and terms are determined per applicant.
- Working Capital
Business debit/charge card with expense tracking and rewards/perks. Issued with the checking account; no annual card fee.
- Business Card
- Expense Tracking
Sources
Work with this as data
Every plan here is available over the APIs.io API and to AI agents over MCP.