Alternatives · Spend & Bills
Novo alternatives
As of Nov 13, 2026, the highest-graded Novo alternative is Brex (3.6 GPA). It's also the best free one.
Novo compared with 5 alternatives: Mercury, Relay, Rho, Brex and BILL.
Novo is free to use. 4 of the 5 alternatives are free or have a free plan.
Listings checked up to Nov 13, 2026 · Where the facts come from
At a glance
Price against what you get
Novo has no paid plan and scores 2.3 out of 4 on features, ease of use and platforms. None of the 4 alternatives on this chart both scores higher and starts lower.
Mercury, Brex and BILL score higher without starting lower.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
How each one differs from Novo
Mercury
Business banking with cards, expenses, bill pay and invoicing
- Mercury starts at $29.90 per month, billed annually.
- Mercury lists no Android app, which Novo has.
- Mercury also covers bookkeeping and payroll.
Suits: Startups and small companies that want banking and spend controls in one account
Relay
Online business banking with bill pay, cards and expenses
- Relay starts at $30 per month.
- Relay also covers bookkeeping.
Suits: Small businesses that want banking, cards and bill pay in one account
Rho
Business banking, corporate cards and expense tools in one app
- Rho has no free plan, unlike Novo.
- Rho lists no web app and Android app, which Novo has.
- Rho does not cover invoicing, which Novo does.
Suits: Companies that want banking, cards and expense tracking from one provider
Brex
Corporate cards, expenses, bill pay and travel for growing companies
- Brex starts at $12 per user / month, billing term not stated.
- Brex also covers reports.
- Brex does not cover invoicing, which Novo does.
Suits: Startups that want corporate cards and expenses at no software cost
BILL
Bill pay, invoicing and free company cards for small businesses
- BILL starts at $49 per user / month for AP & AR, billing term not stated.
Suits: Small businesses that pay many supplier bills by ACH or check
Limits worth knowing in Novo
- Novo is a fintech, not a bank; banking is provided by Middlesex Federal Savings, F.A., Member FDIC.
- Novo Payroll is listed as available November 17, 2026, starting at $24 a month plus $5 per employee.
- Expense management and bill pay are listed in its menu, but the pages we read describe them in less detail than its checking and invoicing.
- The pages we read give no fee schedule for wires, so check it before sending wires.
Common questions
What are the alternatives to Novo?
The alternatives to Novo in this directory are Mercury, Relay, Rho, Brex and BILL. Each one has a side-by-side comparison with Novo.
Is there a free alternative to Novo?
Yes. Mercury, Relay, Brex and BILL have a free plan alongside paid ones.
When were these prices checked?
Each listing shows its own date. On this page they run from Oct 18, 2026 to Nov 13, 2026. Vendors change prices without notice, so confirm on their site before you buy.