The bank that movesat your speed.
Spend, save, borrow and exchange from one clean account. No branches, no queues, no fine print engineered to confuse you.
- 2.4M
- accounts opened
- $18B
- moved in 2026
- 4.9★
- app store rating
Instant everything
Payments settle in under 3 seconds.
Zero hidden fees
Every charge shown before you tap.
Biometric by default
Face, fingerprint and device keys.
Everything a bank should have done a decade ago.
Cards that obey you
Freeze, set limits, change your PIN and spin up single-use virtual cards in one tap.
Money in seconds
Instant transfers to Nova users, saved beneficiaries and 40+ banks — no waiting rooms.
Vaults & goals
Round-ups, auto-rules and shared goals that quietly build your balance.
Analytics that sting
Live category breakdowns, budget alerts and monthly spend recaps.
Multi-currency
Hold USD, EUR, GBP and NGN. Exchange at real rates with no hidden spread.
Fair credit
Eligibility in 30 seconds, transparent APR and repayments you can reschedule.
Metal in your pocket. Virtual everywhere else.
Apply for a credit line in minutes, set per-merchant limits, freeze with one tap and burn a virtual card the moment a checkout feels sketchy.
- 3.2% cashback on everyday spend
- Unlimited single-use virtual cards
- Instant freeze, PIN change and limits
- Apple Pay & Google Pay on day one
Credit without the ambush.
Check eligibility without touching your credit score, then see the exact schedule before you accept.
Check eligibilityFrom 9.8% APR
Rates priced on real cash-flow, not a generic band.
Repay your way
Weekly, monthly, or early — no penalty, ever.
Security you never have to think about.
Two-factor by default
Passkeys, authenticator or SMS backup.
Device management
See and revoke every signed-in device.
Verified identity
Bank-grade KYC in under 3 minutes.
Real-time alerts
Every card tap pinged to your phone.
"Switched from two banks to Nova. My spend finally makes sense at a glance."
"Invoices land, vaults auto-fill, taxes set aside. It runs itself."
"Got my first credit line at a rate that wasn't insulting."
Get Nova on your phone
Open an account in 4 minutes. Bring your salary, your side hustle, or just your coffee habit.