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management, spend controls, budgeting, global payments, and integrations with tools like QuickBooks and Xero.",[3512],{"_key":3496,"_type":161,"externalUrl":3513,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus",{"_key":3515,"_type":143,"children":3516,"markDefs":3521,"style":164},"k1225",[3517],{"_key":3518,"_type":147,"marks":3519,"text":3520},"k1224",[],"If your current setup is starting to feel fragmented, it’s worth seeing whether a broader finance stack fits the way you’re building.",[],{"_key":3523,"_type":143,"children":3524,"markDefs":3528,"style":1181},"k1229",[3525],{"_key":3526,"_type":147,"marks":3527,"text":1030},"k1228",[],[],{"_key":3530,"_type":143,"children":3531,"markDefs":3536,"style":2210},"k1233",[3532],{"_key":3533,"_type":147,"marks":3534,"text":3535},"k1232",[],"1. Is Novo a bank?",[],{"_key":3538,"_type":143,"children":3539,"markDefs":3544,"style":164},"k1237",[3540],{"_key":3541,"_type":147,"marks":3542,"text":3543},"k1236",[],"No. Novo is a fintech platform, not a bank. Its banking services are provided through partner banks, so founders should check the specific bank and applicable FDIC coverage for the account they open.",[],{"_key":3546,"_type":143,"children":3547,"markDefs":3552,"style":2210},"k1241",[3548],{"_key":3549,"_type":147,"marks":3550,"text":3551},"k1240",[],"2. Is Aspire a bank?",[],{"_key":3554,"_type":143,"children":3555,"markDefs":3560,"style":164},"k1245",[3556],{"_key":3557,"_type":147,"marks":3558,"text":3559},"k1244",[],"No. Aspire is a financial technology company, not a bank. Its US business account is provided through Column N.A., Member FDIC, subject to applicable conditions.",[],{"_key":3562,"_type":143,"children":3563,"markDefs":3568,"style":2210},"k1249",[3564],{"_key":3565,"_type":147,"marks":3566,"text":3567},"k1248",[],"3. Which Novo alternative is best for international payments?",[],{"_key":3570,"_type":143,"children":3571,"markDefs":3576,"style":164},"k1253",[3572],{"_key":3573,"_type":147,"marks":3574,"text":3575},"k1252",[],"Aspire is a strong choice for international payments, with the ability to send payments in 98+ currencies across 130+ countries. It also combines payments with multi-currency accounts, cards, expenses, and accounting integrations.",[],{"_key":3578,"_type":143,"children":3579,"markDefs":3584,"style":2210},"k1257",[3580],{"_key":3581,"_type":147,"marks":3582,"text":3583},"k1256",[],"4. Which Novo alternative is best for AP automation?",[],{"_key":3586,"_type":143,"children":3587,"markDefs":3592,"style":164},"k1261",[3588],{"_key":3589,"_type":147,"marks":3590,"text":3591},"k1260",[],"Ramp and Aspire are strong choices for AP automation. Ramp focuses heavily on spend and AP automation, while Aspire combines AP workflows with business banking, corporate cards, expense management, and accounting integrations.",[],{"_key":3594,"_type":143,"children":3595,"markDefs":3600,"style":2210},"k1265",[3596],{"_key":3597,"_type":147,"marks":3598,"text":3599},"k1264",[],"5. Which Novo alternative is best for cash yield?",[],{"_key":3602,"_type":143,"children":3603,"markDefs":3608,"style":164},"k1269",[3604],{"_key":3605,"_type":147,"marks":3606,"text":3607},"k1268",[],"Bluevine is a strong option if earning interest on business cash is the priority. Its eligible checking balances can earn up to 3.0% APY, depending on the plan and applicable requirements.",[],{"_key":3610,"_type":143,"children":3611,"markDefs":3616,"style":2210},"k1273",[3612],{"_key":3613,"_type":147,"marks":3614,"text":3615},"k1272",[],"6. What is the best alternative to Novo?",[],{"_key":3618,"_type":143,"children":3619,"markDefs":3624,"style":164},"k1277",[3620],{"_key":3621,"_type":147,"marks":3622,"text":3623},"k1276",[],"The best Novo alternative depends on your needs. Aspire suits global founders needing broader finance management, while Mercury, Relay, Bluevine, Brex, Lili, Found, and Ramp each focus on different banking, cash management, spending, or finance workflows.",[],{"_key":3626,"_type":143,"children":3627,"markDefs":3632,"style":2210},"k1281",[3628],{"_key":3629,"_type":147,"marks":3630,"text":3631},"k1280",[],"7. Is Aspire a good alternative to Novo?",[],{"_key":3634,"_type":143,"children":3635,"markDefs":3640,"style":164},"k1285",[3636],{"_key":3637,"_type":147,"marks":3638,"text":3639},"k1284",[],"Yes. Aspire combines business banking with corporate cards, expense management, budgets, global payments, spend controls, and accounting integrations. It’s particularly suited to founders who’ve outgrown a standalone business account.",[],{"_key":3642,"_type":143,"children":3643,"markDefs":3648,"style":2210},"k1289",[3644],{"_key":3645,"_type":147,"marks":3646,"text":3647},"k1288",[],"8. Which Novo alternatives offer expense management?",[],{"_key":3650,"_type":143,"children":3651,"markDefs":3656,"style":164},"k1293",[3652],{"_key":3653,"_type":147,"marks":3654,"text":3655},"k1292",[],"Aspire, Mercury, Relay, Bluevine, Brex, Lili, Found, and Ramp offer expense-related tools. Their capabilities vary, so compare receipt capture, reimbursements, approvals, spend controls, and accounting automation based on your workflow.",[],{"_key":3658,"_type":143,"children":3659,"markDefs":3664,"style":2210},"k1297",[3660],{"_key":3661,"_type":147,"marks":3662,"text":3663},"k1296",[],"9. Are Novo alternatives FDIC insured?",[],{"_key":3666,"_type":143,"children":3667,"markDefs":3672,"style":164},"k1301",[3668],{"_key":3669,"_type":147,"marks":3670,"text":3671},"k1300",[],"FDIC coverage varies by provider and product. Check whether the specific business account is eligible for pass-through FDIC insurance, which bank provides the deposit services, and the applicable coverage limits before opening an account.",[],{"_key":3674,"_type":143,"children":3675,"markDefs":3680,"style":2210},"k1305",[3676],{"_key":3677,"_type":147,"marks":3678,"text":3679},"k1304",[],"10. Which Novo alternatives integrate with payroll software?",[],{"_key":3682,"_type":143,"children":3683,"markDefs":3688,"style":164},"k1309",[3684],{"_key":3685,"_type":147,"marks":3686,"text":3687},"k1308",[],"Several alternatives connect with instant payroll solutions. Aspire, Mercury, Relay, and Lili support integrations with payroll or HR tools, including providers such as Gusto. Check each platform’s current integration list before choosing.",[],{"_key":3690,"_type":143,"children":3691,"markDefs":3696,"style":2210},"k1313",[3692],{"_key":3693,"_type":147,"marks":3694,"text":3695},"k1312",[],"11. Can you switch from Novo to another business account?",[],{"_key":3698,"_type":143,"children":3699,"markDefs":3704,"style":164},"k1317",[3700],{"_key":3701,"_type":147,"marks":3702,"text":3703},"k1316",[],"Yes. Before switching, founders should compare account fees, payment options, card controls, accounting integrations, international capabilities, and any workflows they rely on today. The best Novo alternative should improve the specific gaps that prompted the switch.",[],{"slug":499,"title":500},{"_type":839,"alternativeText":3707,"height":1126,"url":3708,"width":1128},"8 best Novo alternatives for business accounts in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F4efb2d1a630ec9bf1dcc4bd8823ac795\u002Fcommbank-business-account-review_cover.jpeg",[3710,3717,3725,3732,3738,3745],{"_key":1177,"_type":143,"children":3711,"level":1205,"listItem":1206,"markDefs":3716,"style":164},[3712],{"_key":3713,"_type":147,"marks":3714,"text":3715},"k1",[],"Look for a Novo alternative that brings spending, expenses, AP, accounting, and payments into the same workflow",[],{"_key":3718,"_type":143,"children":3719,"level":1205,"listItem":1206,"markDefs":3724,"style":164},"k5",[3720],{"_key":3721,"_type":147,"marks":3722,"text":3723},"k4",[],"Aspire is the strongest fit for founders managing international finances and wanting banking, cards, expenses, budgets, and global payments together",[],{"_key":3726,"_type":143,"children":3727,"level":1205,"listItem":1206,"markDefs":3731,"style":164},"k8",[3728],{"_key":1183,"_type":147,"marks":3729,"text":3730},[],"Mercury makes sense for startup-focused banking, while Relay is better suited to organising cash across multiple accounts",[],{"_key":1191,"_type":143,"children":3733,"level":1205,"listItem":1206,"markDefs":3737,"style":164},[3734],{"_key":1194,"_type":147,"marks":3735,"text":3736},[],"If earning on operating cash is the priority, look at Bluevine. But if spend and AP automation are the bigger concerns, consider Ramp or Brex",[],{"_key":1202,"_type":143,"children":3739,"level":1205,"listItem":1206,"markDefs":3744,"style":164},[3740],{"_key":3741,"_type":147,"marks":3742,"text":3743},"k13",[],"Found and Lili are worth considering when tax and bookkeeping are central to how you manage your business finances",[],{"_key":3746,"_type":143,"children":3747,"level":1205,"listItem":1206,"markDefs":3752,"style":164},"k17",[3748],{"_key":3749,"_type":147,"marks":3750,"text":3751},"k16",[],"Before switching from Novo, identify the one workflow causing the most friction, then choose the alternative that solves that problem without adding another disconnected tool",[],[3754,3760,3766],{"_key":1177,"_type":143,"children":3755,"markDefs":3759,"style":164},[3756],{"_key":3713,"_type":147,"marks":3757,"text":3758},[],"A business account may be enough when you’re handling a few payments and keeping your finances simple.",[],{"_key":3718,"_type":143,"children":3761,"markDefs":3765,"style":164},[3762],{"_key":3721,"_type":147,"marks":3763,"text":3764},[],"But that changes as your company adds employees, vendors, subscriptions, and international transactions. Then your finance stack needs to control employee spend, automate expenses, connect with accounting software, manage bills, and keep cash organized across markets.",[],{"_key":3726,"_type":143,"children":3767,"markDefs":3771,"style":164},[3768],{"_key":1183,"_type":147,"marks":3769,"text":3770},[],"This guide compares Novo alternatives across the capabilities that matter as your financial operations become more complex.",[],"2026-09-02T02:27:47.000Z",{"_type":122,"metaDescription":3774,"metaTitle":3775},"Find the right Novo alternatives for your business, with a practical comparison of banking, cards, expenses, AP, cash management, and global payments.","8 best Novo alternatives for business accounts","best-novo-alternatives-business-account",[3778,3785,3791,3797,3803,3809,3815,3822,3828],{"_key":1177,"_type":143,"children":3779,"level":1205,"listItem":3783,"markDefs":3784,"style":164},[3780],{"_key":3713,"_type":147,"marks":3781,"text":3782},[],"1. CFO Connect’s Best CFO tools 2025: https:\u002F\u002Fwww.cfoconnect.eu\u002Fresources\u002Ffinance-insights\u002Fbest-cfo-tools-2025\u002F (10\u002F01\u002F2025)","number",[],{"_key":3718,"_type":143,"children":3786,"level":1205,"listItem":3783,"markDefs":3790,"style":164},[3787],{"_key":3721,"_type":147,"marks":3788,"text":3789},[],"2. Mercury: https:\u002F\u002Fmercury.com\u002F (08\u002F15\u002F2026)",[],{"_key":3726,"_type":143,"children":3792,"level":1205,"listItem":3783,"markDefs":3796,"style":164},[3793],{"_key":1183,"_type":147,"marks":3794,"text":3795},[],"3. Relay: https:\u002F\u002Frelayfi.com\u002F (08\u002F15\u002F2026)",[],{"_key":1191,"_type":143,"children":3798,"level":1205,"listItem":3783,"markDefs":3802,"style":164},[3799],{"_key":1194,"_type":147,"marks":3800,"text":3801},[],"4. Bluevine: https:\u002F\u002Fwww.bluevine.com\u002F (08\u002F15\u002F2026)",[],{"_key":1202,"_type":143,"children":3804,"level":1205,"listItem":3783,"markDefs":3808,"style":164},[3805],{"_key":3741,"_type":147,"marks":3806,"text":3807},[],"5. Brex: https:\u002F\u002Fwww.brex.com\u002F (08\u002F15\u002F2026)",[],{"_key":3746,"_type":143,"children":3810,"level":1205,"listItem":3783,"markDefs":3814,"style":164},[3811],{"_key":3749,"_type":147,"marks":3812,"text":3813},[],"6. Lili: https:\u002F\u002Flili.co\u002F (08\u002F15\u002F2026)",[],{"_key":3816,"_type":143,"children":3817,"level":1205,"listItem":3783,"markDefs":3821,"style":164},"k20",[3818],{"_key":1209,"_type":147,"marks":3819,"text":3820},[],"7. Found: https:\u002F\u002Ffound.com\u002F (08\u002F15\u002F2026)",[],{"_key":1217,"_type":143,"children":3823,"level":1205,"listItem":3783,"markDefs":3827,"style":164},[3824],{"_key":1220,"_type":147,"marks":3825,"text":3826},[],"8. Ramp: https:\u002F\u002Framp.com\u002F (08\u002F15\u002F2026)",[],{"_key":1228,"_type":143,"children":3829,"level":1205,"listItem":3783,"markDefs":3834,"style":164},[3830],{"_key":3831,"_type":147,"marks":3832,"text":3833},"k25",[],"9. Deloitte Q4 2025 CFO Signals survey: https:\u002F\u002Fwww.deloitte.com\u002Fus\u002Fen\u002Finsights\u002Ftopics\u002Fbusiness-strategy-growth\u002F4q-2025-cfo-signals-survey.html (01\u002F13\u002F2026)",[],1790850640767]