Replacement Guide

How to Build Your Own Novo

Replace Novo with a custom build. Smarter banking for marketing advisors web developers brand designers property managers photographers online retailers

Few Days
23 features2 integrations3-5 days

Estimated Timeline

Based on 23 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.

1
Architecture & setup
Half day
2
Core features
2-3 days
3
Testing & polish
1 day

Recommended Tech Stack

Next.js 14

Full-stack React framework with API routes and server components

Supabase

PostgreSQL database, auth, and real-time subscriptions

Tailwind CSS

Utility-first styling for rapid UI development

Key Features to Replicate

Top features across 8 categories. See all 23 features

Banking(3 features)

ATM Fee Reimbursement

Get reimbursed up to $7/month for ATM fees

Free Checking Account

Online business checking account with no monthly fees, no minimum balance, and no overdraft fees

Global Fund Access

Access funds globally anytime on desktop or mobile

Invoicing(3 features)

Automated Invoice Reminders

Automated reminders to ensure invoices are paid on time

Customizable Invoices

Customize invoices with company branding and logo

Easy Invoicing

Invoice smarter with customizable invoices and automated reminders to get paid faster

Payments(3 features)

Domestic Wire Transfers

Send domestic wires immediately and securely (available in beta)

Free ACH Transfers

Free ACH transfers with low-cost express availability options

Free Incoming Wires

Accept incoming wire transfers for free

Security(3 features)

Bank-Level Encryption

Industry-leading encryption to keep data safe

FDIC Insurance

Deposits insured for up to $250,000 through partner bank Middlesex Federal Savings

Real-Time Fraud Alerts

Track purchases and freeze card with just a few taps for fraud monitoring

Budgeting(2 features)

Intuitive Budgeting

Allocate money and manage finances with budgeting tools

Reserves (Auto-Savings)

Automatically contribute to savings goals with automated budgeting

Cards(2 features)

Novo Business Credit Card

Business credit card designed to earn rewards as you grow

Virtual and Physical Debit Cards

Secure virtual and physical business debit cards for tracking finances and spending safely online and abroad

Discounts & Rewards(2 features)

Cashback Rewards

Earn and redeem cashback directly into Novo account

Exclusive Partner Discounts

Discounts on popular business tools like Slack and Dropbox

Lending(2 features)

Hassle-Free Funding

Fast and flexible cash access when needed for business growth

Novo Funding

Get capital needed to scale your business

Cost Calculator

Pricing data not available for Novo. Check their website for current pricing.

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