Novo

aid: novo-bank
url: https://raw.githubusercontent.com/api-evangelist/novo-bank/refs/heads/main/apis.yml
name: Novo
kind: company
description: Novo is a U.S. business banking platform built for small businesses, freelancers, and self-employed professionals,
  offering a free business checking account, invoicing, reserves, AI-assisted bookkeeping, a business credit card, and funding.
  Banking services are provided by Middlesex Federal Savings, F.A. Novo does not publish a public self-service developer API;
  programmatic access to Novo account data is currently delivered through third-party aggregators (Plaid), and product integrations
  connect Novo accounts to tools like Stripe, Shopify, QuickBooks, Xero, Wise, and Square.
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/novo-bank.png
tags:
- Banking
- Business Banking
- Fintech
- Small Business
- Freelancers
- Payments
created: '2026-06-20'
modified: '2026-07-25'
specificationVersion: '0.19'
apis:
- aid: novo-bank:novo-accounts
  name: Novo Accounts
  tags:
  - Accounts
  - Balances
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.novo.co/business-banking
  properties:
  - url: https://www.novo.co/business-banking
    type: Documentation
  - url: https://plaid.com/institutions/novo/
    type: APIReference
  - url: openapi/novo-bank-openapi.yml
    type: OpenAPI
  description: Novo business checking account data - account identity, balances, and auth. Novo does not expose a public first-party
    Accounts API; account connectivity is provided through the Plaid aggregator (Assets, Auth, Balance products). Modeled
    here as a product surface, not a documented Novo endpoint.
- aid: novo-bank:novo-transactions
  name: Novo Transactions
  tags:
  - Transactions
  - Statements
  - Reconciliation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.novo.co/business-banking
  properties:
  - url: https://www.novo.co/business-banking
    type: Documentation
  - url: https://plaid.com/institutions/novo/
    type: APIReference
  - url: openapi/novo-bank-openapi.yml
    type: OpenAPI
  description: Novo transaction history and categorization used for bookkeeping and reconciliation. There is no documented
    public Novo Transactions API; transaction data is accessed via aggregators such as Plaid, or synced into accounting tools
    through Novo's productized integrations.
- aid: novo-bank:novo-payments
  name: Novo Payments
  tags:
  - Payments
  - ACH
  - Invoicing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.novo.co/features/invoices
  properties:
  - url: https://www.novo.co/features/invoices
    type: Documentation
  - url: openapi/novo-bank-openapi.yml
    type: OpenAPI
  description: Novo money movement - invoicing, ACH transfers, and faster payouts (Express ACH). These capabilities are delivered
    through the Novo app and partner rails; no public payments API is documented for third-party developers. Modeled as a
    product surface.
common:
- type: TrustCenter
  url: security/novo-bank-trust-center.yml
- type: DomainSecurity
  url: security/novo-bank-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/banknovo
- type: Website
  url: https://www.novo.co/
- type: Documentation
  url: https://www.novo.co/integrations
- type: Plans
  url: plans/novo-bank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/novo-bank-rate-limits.yml
- type: FinOps
  url: finops/novo-bank-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com