I’ve been with Novo for almost 2 years, and am really happy with them. They’re super responsive, have lots of integrations and are constantly improving. My only gripe is the app. It’s fine but has one pretty big flaw that’s never been fixed. It doesn’t have a real time view of your account. You have to go into activity, change the time period and then it refreshes. If you don’t change the view (eg from 1 wk to 1 mo) before pulling down to refresh, it doesn’t show new data. And this is true even if the app loads for the first time since restarting the phone. And sometimes, activity shows on the Home view but will never show in the Activity view (like it’s too new to show, but then why is it on the Home view?). The web app never has this issue. It’s not a deal breaker, but resulted in some issues with transfers where I thought something didn’t happen because it wouldn’t show, or thought my balance was one thing when it was another. No other banking app I use has this issue, so it feels like it needs addressing. And it happens on all mobile devices I’ve tested, so it’s not just my phone. Hopefully they get around to this issue, but I’m still a fan of Novo.

I had an overall good experience with the “bank” and used them for about 2 years at this point. However, I have recently notice some charges to my account that I have not recognized, so I reached out to the customer service and was told “We can’t do anything about it because it’s been over 24hours since the charge”. They give you 24 hours to report suspicious activity?!? And I reached arguable within 24 hours!! So I let that slide in June. Comes July- I have a related charge for the same amount- STILL don’t recognize it and can NOT track it (tried going over all my subscriptions, googling the merchant the way it shows up on the bank statement, etc)- they DON’T HELP you with tacking or looking into it. AGAIN I noticed it the NEXT day after it was posted and was told AGAIN ITS BEEN OVER 24 hrs!!!! The ONLY solution from them was “Fill out a form to stop payment from the merchant that only works for 1 month!” And after that they can keep charging you and you BETTER BE ABLE TO CATCH IT WITHIN 24hrs! So I guess, my options are to either be charged for something I didn’t not buy for the rest of my life or move to a different bank (which I am currently doing)! Wow. So disappointed because I really enjoyed the simplicity otherwise! But if you don’t mind that they treat your finances and hard earned cash with a simple “sorry, can’t do anything about it” and you are able to check your bank DAILY and monitor it DAILY- then this might be for you!

Listen, this is to the founders/bank developers. I’ve read the good and bad reviews of this app, Novo is a great app. But to make it even better, us as novo customers could use features as such: setup the novo debit card to be able to get instant pay through cashapp, that is where a lot of people’s money come through. And for your customers that have money coming in and out, find a way where we can turn our cash in and get it the same day. Bitcoin converter, instead of reserves have the option to open a savings account, even if it’s through another bank partnered with Novo. At the end of the day, we are all business owners or gig workers, the better the app, the more money you will see come to the app. I honestly use Brex more than Novo, but I believe you guys could be great. If you can do just the basics of what I mentioned, and at the same time keep it secure for us and for y’all, it’s a win/win situation. I’m hoping to hear of an update soon. Whoever responds to this, if you care about the app, and it’s users honestly you would show this to the founder. We can all succeed, once I brought even a portion of my business to this app, we became partners. Let’s solidify it and make Novo the best mobile business banking app there ever was!

I wish I could recommend Novo because I generally love when people try to do something new in the banking industry. But their lack of timely and effective customer service is a total failure — and frankly makes the service nearly unusable. I came here because I thought this would be the “Simple Bank” of business checking — but Simple had stellar customer service, and Novo does not. Whenever I’ve had an issue, whether needing a new card, unexpected declines, or disputing a transaction, it has NEVER been resolved in an acceptable way. I’m fighting with AI bots and responses from a human are sporadic and agnostic. I haven’t had a bank card in over a year because each time I request one it never makes it to my house. It’s an app that holds money. That’s about it. The integrations don’t make up for not having a customer service phone number. But if this is your top choice for business banking, I’d think again. Go to a bank with more robust customer service or just use Venmo. You’ll be less frustrated in the long run.