Updated October 17, 2026 · VaultCue Editorial Team
Nebeus vs Novo
Nebeus
Novo
Higher score in this comparison
Nebeus vs Novo: the differences
| Compare | NebeusReviewVisitVisit | NovoReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Deposit protection | EU DGS up to EUR 100,000 | FDIC up to USD 250,000 |
| Local account details | IBAN | Us ACH |
| Transfer fee | Free SEPA transfers | Standard ACH $0; Express ACH and outgoing wire provider fees shown before sending |
| Currency conversion fee | 0.5% | Not confirmed |
| Free ATM withdrawals | Not confirmed | $7 |
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Key differences
- Novo scores higher overall: 9.2 vs 8.7.
- Nebeus is licensed in 3 more countries.
- Nebeus is available in 3 more countries.
- Local account details: only Nebeus offers IBAN.
- Local account details: only Novo offers Us ACH.
- Support channels: only Novo offers Chat, Email.
Our verdict on each
Nebeus
Nebeus is a euro account for freelancers and small businesses: no monthly fee, a light conversion charge and a local IBAN. Balances sit inside the EU DGS up to EUR 100,000, so the money side holds up as long as you stay in the euro area.
Novo
Novo is a US business-banking fintech. It sends a physical debit card to the primary owner when the account is opened, and a virtual card can be activated after approval.
Score breakdown
| Area | Nebeus | Novo |
|---|---|---|
| Cost | 9.2Monthly fee of €0 on a no monthly fee account, plus a 0.5% conversion fee, so cost comes almost entirely from exchange. | 9.3HigherMonthly fee $0, minimum deposit $0 and transfer fee $0 on the business checking account. |
| Offer | 8.5 | 9.1Higher |
| Trust | 8.5 | Not confirmed |
Licences and countries
| Country | Nebeus | Novo |
|---|---|---|
| Argentina | Not confirmed | |
| Spain | Not confirmed | |
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
Additional countries for Nebeus: 4. Additional countries for Novo: 1.
How they place
| Ranking | Nebeus | Novo |
|---|---|---|
| Business bank accounts | 20 of 563 | 10 of 563 |
| Accounts for freelancers | 10 of 130 | 4 of 130 |
Where these facts come from
Nebeus
- nebeus.com: 11 facts, checked September 26, 2026
Novo
- novo.co: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Nebeus | Novo |
|---|---|---|
| Audience | Freelancer, Business | Business, Freelancer |
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM |
| Legal entity | Rintral Trading SLU | Novo Platform Inc. |
| Headquarters | Spain | United States |
| Founded | 2014 | Not confirmed |
| Support channels | Help centre | Chat, Email, Help centreCovers more |
Money transfer
| Fact | Nebeus | Novo |
|---|---|---|
| Delivery time | Not confirmed | Same-day with Express ACH; FedNow transfers in seconds |
| Payout methods | Not confirmed | Bank |
| Fee to send 1,000 | Not confirmed | $0 |
Where each stands against the rest
| Fact | Nebeus | Novo | Median |
|---|---|---|---|
| Currency conversion fee | 0.5%at the median | Not confirmed | 0.5% |
| Free ATM withdrawals | Not confirmed | $7highest quarter | $0 |
Median across 377 listed accounts.
Pros and cons
Nebeus
Pros
- Deposits are covered by EU DGS up to EUR 100,000.
- A conversion fee of 0.5% compares with 3.99% at Skrill and 3% at bunq.
- A euro account with a monthly fee of €0, which ranks 1 of 500 in the monthly fee comparison.
Cons
- Help is limited to help centre, so there is no phone line or live chat.
- The conversion fee of 0.5% sits above the 0.22% median for everyday accounts.
- Spanish permission is a virtual currency service provider registration, D664, rather than a bank licence.
Novo
Pros
- Both physical and virtual card access are described.
Cons
- Virtual-card activation follows account approval.
Who each suits
Nebeus
Who it suits
- Freelancers and sole traders who invoice in euros and want Free SEPA transfers on the account.
- Small businesses paying suppliers in the single currency, since €0 keeps the running cost at nothing.
- Anyone who wants euro balances covered by EU DGS up to EUR 100,000.
Who should look elsewhere
- Support seekers, because help runs through help centre alone.
- Heavy converters, since the 0.5% charge applies on top of the 0.22% median typical of everyday accounts.
- Wallet-first customers such as PayPal Colombia, at $0, who have no use for a euro IBAN.
Novo
Who it suits
- US business owners who want physical and virtual debit-card access through Novo.
Who should look elsewhere
- Applicants expecting virtual-card activation before account approval.
Current offers
Novo
Current offer
Bonus
Novo cashback on eligible purchases: 1% cashback with a Novo checking account balance under $5,000; 2% with a balance of $5,000 or more
Requires a Novo checking account; rate depends on account balance; eligibility subject to final Novo determination
Source, checked September 26, 2026
Country by country
| Country | Nebeus | Novo |
|---|---|---|
| Argentina | Yes | No |
| Spain | Yes | No |
| Switzerland | Yes | No |
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
Nebeus
What does a Nebeus account cost each month?+
The euro account carries no monthly charge: the monthly fee is €0, and Nebeus runs on a no monthly fee model. That places it among the cheapest accounts compared here, where the median monthly fee is €0. Holding the balance itself adds nothing further to that figure.
What does it cost to convert currency?+
Nebeus charges 0.5% on conversion, which matches the median conversion fee across the accounts listed here, 0.5%. For comparison, Skrill charges 3.99% and bunq charges 3%, so both sit above Nebeus on every exchange.
Novo
Which tools can connect with the banking setup?+
Accounting, payments and payroll tools can be connected so that information stays in step across the business. A change made in one place carries through to the others without retyping. Owners who already use established bookkeeping routines can keep those habits in place while adding more reach.
Can a business grow without changing banks?+
The platform is designed to handle more volume as a company grows, so owners can plan ahead without adding extra busywork. Its features are meant to scale with the operation rather than forcing a move to a larger bank. Keeping the same banking setup while the business expands can make transitions smoother for owners and the people they work with.