Graphite
PVD-coated 304 stainless with a satin, fingerprint-resistant brush. Quietly serious — the card you forget is metal until it lands on the table.
Novo Metal · Now shipping to 38 countries
The metal card
for modern money.
18 grams of brushed stainless steel, wired to an account that earns 4.1% AER, spends in 150+ currencies at the real rate and invests from $1. One card. Zero drama.
- Savings rate
- 4.1% AER
- FX markup
- 0.00%
- Members
- 2.4M
Scroll to flip the card
How it works
From sign-up to first tap in under eight minutes.
-
01
Download & verify
Scan your ID and take a three-second selfie. Our checks clear 94% of applicants instantly — no branch, no paperwork, no hold music.
-
02
Pick your finish
Graphite, Titanium or Lime. Your virtual card goes live the moment you're approved — add it to Apple Pay or Google Pay and start spending.
-
03
Tap anywhere
Your metal card ships free by express courier in 3–5 working days, laser-engraved with your name and nothing else on the front.
Three finishes · One slab of steel
Choose the weight
you carry.
Titanium
Bead-blasted and hand-finished, with an iridescent bloom that shifts from champagne to ice-blue in daylight. No two catch the light the same way.
Lime
Anodised electric lime over a mirror-polished core. For people who would rather be seen paying than be seen waiting.
- Weight
- 18 g
- Thickness
- 0.8 mm
- Edge
- Lime core
Features
Everything your bank does.
Minus everything it gets wrong.
Five tools, one account, no fine print hiding behind an asterisk.
USD → EUR0.9237
GBP → JPY192.41
EUR → MXN19.874
Markup0.00%
01 · Instant FX
The real exchange rate. Even on Sundays.
Hold, convert and spend 150+ currencies at the mid-market rate, 24/7. No weekend markups, no "dynamic" conversion at the till.
4.1% AER
02 · Vaults
4.1% AER, paid daily. Withdraw any time.
Park up to $100,000 in Vaults and watch interest land every morning. $10,000 grows to $10,418 in a year — no lock-in, no minimums.
S&P 500 tracker+1.84%
Global tech ETF+2.37%
Clean energy basket−0.42%
03 · Investing
Stocks and ETFs from $1.
2,800+ US and European securities with fractional shares. Ten commission-free trades a month on Plus, unlimited on Metal.
- Dining 72%
- Travel 40%
04 · Budgets
Budgets that actually say no.
Smart categories, round-ups into Vaults and hard spending caps that decline the card when you hit them — not an email three days later.
•• 0417Streaming
•• 9932Single use
•• 2048Travel
05 · Virtual cards
Twenty cards. Zero exposure.
Spin up disposable or merchant-locked cards in a tap. Single-use numbers regenerate after every purchase, so a leaked number is worth nothing.
Engineered · Security
Five layers.
Zero weak points.
Biometric approval
Face or fingerprint for every transfer over $500 and every new device.
Freeze in one tap
Lost it in a taxi? Freeze, unfreeze or cancel instantly from the lock screen widget.
Rotating card numbers
Online payments use tokenised numbers, so your physical card number never touches a checkout.
Protected deposits
Balances held at partner banks and insured up to $250,000 per member.
- Encryption
- 256-bit
- Fraud team
- 24/7
- Card layers
- 5
The app
Your money,
at a glance.
- 01
One balance, 32 currencies
See every pocket in real time, converted live to whichever currency you think in.
- 02
Insights that sort themselves
Every tap is categorised, mapped and compared to last month before your receipt prints.
- 03
Split with anyone
Share a link and friends pay you back by card — even if they've never heard of Novo.
Go global
Spend in 150+ currencies.
Land, tap, done. Novo converts at the mid-market rate the instant you pay — in Lisbon, Lagos or Lima — and tells you exactly what it cost in your home currency.
- Currencies
- 150+
- FX markup
- 0%
- Free ATM / month
- $800
- Countries shipped
- 38
Pricing
Pick a plan. Cancel in two taps.
Standard
$0/month
Everything you need to bank better.
- Recycled-plastic card
- Fee-free FX up to $1,000/month
- 2.6% AER Vaults
- $200/month free ATM abroad
- 3 virtual cards
Plus
$9.99/month
For people who travel more than twice a year.
- Brushed-steel effect card
- Unlimited fee-free FX
- 3.4% AER Vaults
- $400/month free ATM abroad
- 10 commission-free trades
- 10 virtual cards
Metal
$19.99/month
The 18 g card, the best rate, the full toolkit.
- 18 g stainless card in 3 finishes
- Unlimited fee-free FX
- 4.1% AER Vaults
- $800/month free ATM abroad
- Unlimited commission-free trades
- 20 virtual cards + lounge passes
| Feature | Standard | Plus | Metal |
|---|---|---|---|
| Savings rate (AER) | 2.6% | 3.4% | 4.1% |
| Fee-free FX | $1,000/mo | Unlimited | Unlimited |
| Free ATM abroad | $200/mo | $400/mo | $800/mo |
| Commission-free trades | 1/mo | 10/mo | Unlimited |
| Virtual cards | 3 | 10 | 20 |
| Travel insurance | — | Medical | Medical + delays |
| Airport lounge passes | — | — | 6 per year |
| Card | Recycled plastic | Steel-effect | 18 g stainless |
Ledger & Co.◆NORTHBEAM DAILY◆Capital/Week◆THE TALLY◆Orbit Tech Review◆
Members & press
2.4 million people stopped tolerating their bank.
"The first fintech card that feels engineered rather than printed. The app is somehow even better."
"I moved to Lisbon and didn't open a local account for eight months. Novo just handled euros like it was home."
"Payroll for my team in three countries, one balance, real rates. My accountant asked what I'd changed."
"The 4.1% Vault paid for my lounge passes. The Lime card started three conversations at the airport."
FAQ
Straight answers.
Still curious? Our support team replies in-app in under two minutes, around the clock.
Novo is a financial technology company. Your account and card are provided by our licensed partner bank, and eligible deposits are insured up to $250,000 per member.
18 grams — about three times a plastic card. It's 0.8 mm thick, fits every wallet and ATM slot, and works contactless everywhere a plastic card does.
Interest is calculated daily on your Vault balance and paid every morning. The rate is variable, applies to balances up to $100,000 on Metal, and there is no notice period to withdraw.
No. Plus and Metal convert at the mid-market rate with no limit, including weekends. Standard is fee-free up to $1,000 a month, then 0.5% after that. You always see the exact cost before you confirm.
Yes — one free finish swap per year on Metal. We collect your old card by courier and recycle the steel.
Cancel from the app any time. Paid plans run until the end of the billing period, then drop to Standard — your account, Vaults and history stay exactly where they are.
Get started
Hold the future of money.
Open an account in three minutes. Your virtual card is ready the moment you're approved; your metal one follows by courier.
- No credit check to open
- Free metal card on Metal plan
- Cancel any time