8 Best Novo Alternatives in 2026
Novo is no-fee business checking for US-based small business owners and freelancers., priced at free. If it is too expensive, too slow or simply not a fit, these are the strongest alternatives we have reviewed.
1
Online business banking for US companies, with a $0 base plan and founders accepted from most countries.
#24k web rank · ▲ 7.9k this week
8.5/10
What you get Mercury gives your company business checking and savings, domestic and USD international wires, ACH, cards, bill pay and invoicing. The base plan is $0 a month. Mercury Plus costs $29.90 a month and adds invoicing features such as recurring invoices and ACH debit invoicing; Mercury Pro costs $299 a month and adds a relationship manager. Annual billing… Read more →
Pros
- $0 base plan with free domestic and USD international wires
- Accepts non-US founders of US companies
- Large perks catalogue for customers
Cons
- US-formed company required
- 1% fee on non-USD wires and 3% on non-USD card spend
Pricing: Free plan, paid from $29.9/mo · business-banking us-company non-us-founders fintech checking
🔥 Deal: Mercury Books ($35/mo) fee waived until 31 December 2026
2
Multi-currency business account: hold, receive and pay in many currencies at low, transparent fees.
#1.1k web rank · ▲ 2 this week
8.0/10
What you get Wise Business lets your company receive money in 22 currencies (including USD, EUR and GBP), hold and convert balances, pay up to 1,000 contractors at once with batch transfers, and spend with Wise multi-currency cards. In the US there is a single one-time set-up fee of $31 for all business features; registering is free and no monthly… Read more →
Pros
- Local account details in 22 currencies
- Transparent per-transfer pricing, no monthly fee listed
- Works for companies outside the US
Cons
- One-time set-up fee ($31 in the US)
- Not a replacement for a full-service bank in most countries
Pricing: Paid from $31/mo · multi-currency international-payments contractors fx business-account
3
Ramp Freemium
Free corporate cards, expense management and business account for US companies, plus $350K+ in startup perks.
🎁 $350k · #14k web rank · ▲ 171 this week
7.5/10
What you get Ramp is a spend-management platform: corporate cards, expense management, bills (AP), invoicing (AR) and a business account. The Free plan costs $0 per user per month; Plus is $15 per user per month plus a platform fee based on team size (20% off annually, 30-day free trial); Enterprise is custom. On its startup page Ramp advertises $350K+… Read more →
Pros
- $0 plan with cards, expenses, AP and AR
- Stated $350K+ in partner perks
- Fast online application
Cons
- US corporations only, with credit approval
- Plus adds a per-user fee and a platform fee
Pricing: Free plan, paid from $15/mo · corporate-cards expense-management spend-management perks us-company
4
Brex Freemium
Corporate cards, business account and spend management for funded US startups, free on the Essentials plan.
🎁 $350k · #33k web rank · ▲ 130 this week
7.5/10
What you get Brex combines a business account (checking and treasury), corporate cards with spend controls, bill pay, reimbursements and travel booking. The Essentials plan costs $0 per user per month and is aimed at startups; Premium is $12 per user per month for mid-sized companies; Enterprise is custom. Brex's startup page advertises over $350K in discounts and credits on… Read more →
Pros
- $0 Essentials plan with cards, account and travel
- Over $350K in stated partner discounts and credits
- Credit limits based on the business, not personal credit
Cons
- Needs real US presence and, for funded startups, about $50K cash
- Less suited to bootstrapped or non-US-resident founders
Pricing: Free plan, paid from $12/mo · corporate-cards business-account spend-management vc-backed us-company
5
No-fee US business banking with up to 20 checking accounts, open to owners from over 200 countries.
#55k web rank · ▲ 1.5k this week
7.5/10
What you get Relay is online business banking built around many sub-accounts: up to 20 checking accounts with automatic transfers on each deposit, high-yield savings, Visa debit and credit cards, expense management with receipt capture, bill pay and invoicing. All plans include 50 cards, unlimited users and accounting integrations, with no minimum balance or overdraft fees. Plans: Starter $0 a… Read more →
Pros
- $0 Starter plan with no minimum balance
- Up to 20 checking accounts for profit-first budgeting
- Owners from 200+ countries accepted
Cons
- Needs a US operating presence
- Excludes crypto and several other industries
Pricing: Free plan, paid from $30/mo · business-banking sub-accounts no-fee bootstrapped us-company
🔥 Deal: Scale plan at $90/mo instead of $120/mo (limited-time offer)
6
Business banking, cards, treasury and AP for US startups with $0 subscription and no account minimums.
#247k web rank · ▲ 1.0k this week
7.5/10
What you get Rho combines business checking, corporate cards (up to 2% cashback on Rho Platinum, terms apply), expense management, accounts payable, accounting automation and treasury. Its pricing page lists $0 subscription fees, $0 checking minimum fees, $0 per-user fees and $0 same-day ACH, wires and checks (subject to the checking account terms). Foreign currency transfers carry a 1% fee,… Read more →
Pros
- No subscription, user or minimum-balance fees
- Banking, cards, AP and treasury in one place
- Incorporation and account in one flow
Cons
- Needs a US address or US-based owner
- Treasury fees of 0.15%-0.6% a year
Pricing: Free · business-banking corporate-cards treasury accounts-payable us-company
🔥 Deal: $100 when you open an account and deposit (terms apply)
7
Multi-currency business account and cards for companies registered in the UK, EEA or US.
#5.3k web rank · ▲ 5 this week
7.0/10
What you get Revolut Business offers business accounts with multi-currency balances, local and international transfers, currency exchange, corporate cards and spend tools. In the US the plans are Basic from $10 a month, Grow from $40 a month and Scale from $140 a month. Each plan includes a monthly allowance of exchange at interbank rates (0.6% above the allowance, 1%… Read more →
Pros
- Strong multi-currency and FX features
- Licensed bank in the UK and EEA
- Accepts US companies with founders in many countries
Cons
- No free plan on the US pricing page
- Eligibility lists differ between Revolut pages
Pricing: Paid from $10/mo · multi-currency uk eu business-account fx
8
Interest-earning US business checking with a $0 Standard plan and paid tiers up to 3.0% APY.
#116k web rank · ▲ 436 this week
7.0/10
What you get Bluevine Business Checking has three plans. Standard costs $0 a month and pays 1.3% APY on balances up to $250,000 if you spend $500 a month on the debit card or receive $2,500 a month in customer payments. Plus costs $30 a month (waivable) and pays 1.75% APY up to $250,000 with no activity requirement. Premier costs… Read more →
Pros
- $0 plan that still earns interest
- Premier pays interest on all balances
- FDIC coverage up to $3M via program banks
Cons
- Standard plan interest needs monthly activity
- International owners need a US legal address
Pricing: Free plan, paid from $30/mo · business-checking interest small-business us-company