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Novi, now on WhatsApp.

Novi is a new way to send and receive money — instantly, securely, and with no fees. With Novi on WhatsApp, you can transfer money without ever leaving your WhatsApp chat. Available in the US.

Send money as easily as sending a message. Within the chat.

Transfer money while you catch up. With Novi on WhatsApp, send money as often as you want in a few simple steps, so you can get back to connecting with the people you love.

Instant transfers for instant peace of mind.

Using Novi on WhatsApp is simple. You can log into your existing Novi account, or create a new Novi account if you don't have one. Whether you're sending a birthday surprise or helping with bills, transfers go through instantly.

Your security and privacy come first.


Novi has built-in controls and 24/7 account monitoring that help detect and flag suspicious activity. If we determine a transaction is unauthorized, we will provide a full refund back to your Novi balance.


Novi encrypts your sensitive financial information and the documents you upload, like your photo ID. Using Novi does not change the privacy of your WhatsApp personal messages and calls, which are always end-to-end encrypted.

Learn More

Don’t spend your money on fees.

Today, using Novi on WhatsApp has no fees to send money and no limits on how frequently you can send money.

Today, there are no fees to receive money using Novi on WhatsApp, no fees to keep a balance, and no fees to transfer money to your bank account.

Start using Novi on WhatsApp.

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Tap the paper clip icon on Android or the + icon on iOS.

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Select "Payment" in the menu.

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Follow on-screen instructions to log into your Novi account or create a new one.

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Start sending and receiving money!

Find Novi on WhatsApp.

Novi on WhatsApp is currently available in the US in English and Spanish. Once you have a Novi account, you can invite friends and family to use Novi on WhatsApp if it is available where they live.

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Find Novi on WhatsApp:

United States

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

How Novi moves money.

When you add money to your Novi account, we convert it to USDP (Pax Dollar), a stable digital currency issued by Paxos Trust Company, a regulated financial institution. USDP is designed to have a stable value relative to the US dollar. So on Novi, 1 USDP is equal to 1 US dollar.

You can securely keep a balance in your Novi account or transfer to a bank account.

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We're here to help.

Chat with the Novi Customer Care team 24/7 in WhatsApp, in English and Spanish. You can also visit the Novi Help Center below or access it right from Novi on WhatsApp.

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.