Spend Smarter with NovoCard
The NovoCard lets you spend directly from your high-interest NovoAccount — no credit checks, no interest charges, and no surprises.
Why NovoCard?
Instant Access to Your Funds
Linked directly to your NovoAccount — no need to transfer before you spend.
No Interest or Overdrafts
It’s a prepaid card, not a credit card. Use your own money; stay in control.
Real-Time Notifications
Get instant alerts for every transaction. Track your spending in the app.
Use It Anywhere
Powered by Mastercard. Accepted online and in-store globally.
One Card, Total Control
Your NovoCard is always connected to your NovoAccount balance. That means
- Spend confidently — with real-time transaction history, balance updates, and card controls (freeze/unfreeze, replace, and more)
- No separate balance to manage
- Every dollar you spend was already earning 5% until the moment you used it
A Card That Respects Your Limits
With NovoCard, you’re always in control — because you’re spending your own money.
No minimum income, no late fees, no accumulated debt.
- Safer for newcomers, students, or anyone avoiding credit traps
- Great for budgeting and everyday use
- No overdraft charges, ever
Your Money, Protected
Freeze your card instantly. Track spending by category. Get alerts the moment a payment goes through. NovoCard is built with the same protection you’d expect from any top-tier bank — just simpler.
- 24/7 fraud monitoring
- EMV chip and contactless support
- Instant freeze/unfreeze from the Novo App
- Encrypted, secure architecture
