Banking, reimagined
Your money. Connected.
Checking, savings, cards, and payments in one secure account, built to show you exactly where every dollar goes.
No minimum balance · Open in minutes · Available on every device
How it works
Up and running in three steps
- 01Open your account in minutesCreate your login, confirm your email, and add your details. Checking is ready as soon as you finish.
- 02Add money in secondsFund your account instantly with a debit card. Payments are processed securely by Stripe.
- 03Spend, send and track every dollarTransfer between accounts, send to NOVARA members, and follow every transaction from pending to posted.
Accounts & transfers
Every dollar, accounted for
Checking and savings with balances built from a real double-entry ledger. Follow each transaction from authorized to posted, with exact times and a reference.
Cards you control
Freeze it in one tap
Virtual cards are ready instantly. Set limits, turn online or ATM use on and off, and freeze a card the moment you misplace it.
Insights
See where it goes
Spending by category, money in versus money out, and your top merchants, calculated from your actual transactions.
Payments
Move money with a clear timeline
Transfer between your accounts instantly, send to other NOVARA members, schedule recurring transfers, and see exactly when an external transfer will arrive.
Security
Security built into every step.
- Passkeys and two-factorSign in with Face ID, Touch ID, or Windows Hello, and add an authenticator app for a second step.
- Step-up verificationRevealing card details, changing your password, and other sensitive actions ask you to confirm it's you.
- Instant card freezeFreeze a card from the app in one tap. Purchases are declined until you unfreeze it.
- A full audit trailEvery change to your account is recorded, and every balance is built from journal entries that can't be edited.
Availability
What works today
Here's exactly what you can do with NOVARA today, and what's on the way.
| Feature | Status | Details |
|---|---|---|
| Checking and savings accountsNo minimum balance. Interest on savings, paid monthly. | Available | No minimum balance. Interest on savings, paid monthly. |
| Virtual and physical debit cardsFreeze, spending limits, and channel controls. | Available | Freeze, spending limits, and channel controls. |
| Instant transfers and member paymentsPosted immediately, with a full record of every movement. | Available | Posted immediately, with a full record of every movement. |
| Transfers to other banksCompleted in 1–2 business days. | Available | Completed in 1–2 business days. |
| Add money with a debit cardProcessed securely by Stripe. | Available | Processed securely by Stripe. |
| Secure sign-in with passkeys and two-step verificationFace ID, Touch ID, Windows Hello, and authenticator apps. | Available | Face ID, Touch ID, Windows Hello, and authenticator apps. |
| Real-time notificationsAlerts on iPhone, Android, and desktop. | Available | Alerts on iPhone, Android, and desktop. |
| Monthly statements and spending insightsDownloadable PDF statements and category insights. | Available | Downloadable PDF statements and category insights. |
| Card disputesReport a problem from any card transaction. | Available | Report a problem from any card transaction. |
| Digital asset market pricesFor your information only. | Available | For your information only. |
| Buying and holding digital assetsWe'll let you know when it's available. | Coming soon | We'll let you know when it's available. |
| Linking accounts at other banksWe'll let you know when it's available. | Coming soon | We'll let you know when it's available. |
Get the app
Install NOVARA from your browser
No app store needed. NOVARA opens from your Home Screen with notifications and app lock.
- 1Tap Share in the toolbar.
- 2Choose Add to Home Screen.
- 3Tap Add. NOVARA opens from your Home Screen like any app.
FAQ
Questions, answered plainly
Be among the first to use NOVARA.
Open your account in a few minutes. All you need is an email address.
Open an account