Best Novo alternatives in 2026

Looking for an alternative to Novo? Whether you've outgrown it, find the pricing steep, or just want to weigh your options, these are the strongest business banking alternatives in 2026 — ranked on pricing, features, and who each one fits best. Novo itself has a free tier, so we've flagged where each option is cheaper, simpler, or more specialized.

1
Relay
Best for: small-business
Business banking for small business. A popular business banking alternative to Novo with a genuinely usable free tier — free – $30/mo. Particularly strong for small-business.
4.5Free – $30/moVisit
2
Found
Best for: freelancers
If Novo feels like overkill or over-budget, Found is a leaner option with a genuinely usable free tier. Banking for the self-employed. Pricing: free – $19.99/mo.
4.4Free – $19.99/moVisit
3
Bluevine
Best for: small-business
Bluevine goes head-to-head with Novo on features with a genuinely usable free tier. Business banking and lending. Best suited to small-business. Free.
4.2FreeVisit
4
Lili
Best for: freelancers
A well-rated business banking pick. Banking for freelancers. Lili offers a free plan and starts at free – $9/mo, making it a credible Novo replacement.
4.2Free – $9/moVisit
5
Rho
Best for: startups
Banking and spend for companies. A popular business banking alternative to Novo with a genuinely usable free tier — free. Particularly strong for startups.
4.5FreeVisit
6
Moniepoint
Best for: african-smb
If Novo feels like overkill or over-budget, Moniepoint is a leaner option with a genuinely usable free tier. Business banking for Africa. Pricing: free.
4.4FreeVisit
7
Airwallex
Best for: global-business
Airwallex goes head-to-head with Novo on features with a genuinely usable free tier. Global business accounts and payments. Best suited to global-business. Free.
4.3FreeVisit

Still considering Novo itself? Read our Novo review →

Frequently asked questions

What is the best Novo alternative?

Relay is our top-rated Novo alternative for 2026. Business banking for small business. Free – $30/mo.

Is there a free Novo alternative?

Yes — Relay, Found, Bluevine all offer a free tier you can start on without a credit card.

Why switch from Novo?

Common reasons are price, a simpler feature set, better fit for a specific use case, or platform support. Each tool above notes where it has an edge over Novo.