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Novi is now available with a waitlist in Guatemala and the United States for sending and receiving money using USDP (Pax Dollar). Learn more.

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Move money instantly with no fees.

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When money moves more freely, the whole world moves forward.

Meet Novi

Don’t spend your money on fees.

Today, Novi has no fees to send or receive money internationally and no markups on exchange rates. There are no fees to get your money there instantly or to withdraw from your Novi account in your local currency — either pick up cash or transfer money to your bank account.

Today, there are no fees to receive money instantly, keep a balance in the app, transfer money to your bank account, or get cash in your local currency.

How Novi Avoids Fees

Novi puts security first.

Each customer is verified with a valid government-issued photo ID to help ensure everyone signing up for Novi is who they say they are.

Novi has anti-fraud protections to help detect and flag suspicious activity. If we determine a transaction is unauthorized, we provide a full refund back to your Novi balance. Learn more about refunds at Novi.

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Receive in an instant for peace of mind.

When you send money with Novi, it arrives in seconds, and we’ll notify you that the money arrived safely.

When you receive money, you can keep a balance securely in your account or convert it to your local currency. You can transfer to your bank account or pick up cash at a participating withdrawal location in your local currency. Withdrawal options may vary within your region.

See how Novi works.

Digital currencies remove steps and fees.

Novi uses digital currencies that make sending money as easy as sending a message, starting with USDP (Pax Dollar). When you add money to your Novi account, we’ll convert it to USDP. On Novi, 1 USDP is equal to 1 US dollar.

Currently available in:

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Guatemala

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United States

Learn more about where Novi is available in the Novi Help Center.

Get started with Novi.

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Download Novi from the Apple App Store or the Google Play Store.

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Sign up with your phone number.

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You may be placed on a waitlist when you sign up.

We’ll send you a message when you can finish setting up your account and start using Novi. Read more about the waitlist here.

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Start sending and receiving money.


Exchange rates and currencies shown are for illustrative purposes only. Novi and the Novi logo are trademarks owned by Facebook, Inc. Other names and brands may be claimed as the property of others.

© 2022, Novi Financial, Inc. or its affiliates. All rights reserved. NMLS ID # 1832154.