Business Banking

Novita Pay Business Banking gives ambitious companies a financial operating system rather than a mere account. Open a fully featured business account in minutes, issue cards to your team with granular spending controls, automate supplier payments and payroll, and reconcile everything with accounting integrations that eliminate hours of manual work. Whether you are a solo freelancer invoicing clients around the world or a scaling company managing dozens of employees across borders, the platform adapts to the shape of your business.

Every business account includes multi-user access with role-based permissions, unlimited invoicing, real-time cash-flow dashboards, and instant local and international transfers at transparent rates. You spend less time wrestling with banking bureaucracy and more time building the thing you actually care about.

Onboarding measured in minutes, not weeks

Opening a business account with a traditional bank has long been an exercise in patience: printed forms, in-branch appointments, and weeks of waiting while paperwork shuffles between departments. Novita Pay compresses that entire journey into a guided digital flow. You provide your company details, upload your incorporation documents, verify the identities of directors and beneficial owners, and — subject to compliance checks — receive a live account with full functionality. The same rigorous know-your-business and anti-money-laundering standards apply, but the friction that once made them so painful has been engineered away.

Give your team spending power without losing control

As a business grows, so does the number of people who need to make payments on its behalf. Novita Pay lets you issue physical and virtual cards to employees instantly, each governed by precise rules you define. Set per-card monthly budgets, restrict spending to particular categories, block cash withdrawals, and require receipts to be captured at the point of purchase. Every transaction flows into a central dashboard in real time, so finance leaders always know exactly what has been spent, by whom, and on what — without chasing paper receipts at the end of the month.

Role-based access ensures that the right people can do the right things and nothing more. A bookkeeper might view transactions and export statements; a manager might approve payments up to a threshold; a founder might hold full administrative control. Permissions can be adjusted at any time, and every sensitive action is recorded in an immutable audit trail.

Get paid faster with professional invoicing

Cash flow is the lifeblood of any business, and getting paid on time is often the difference between thriving and merely surviving. Novita Pay includes a complete invoicing suite: create branded, itemised invoices in any supported currency, send them directly to clients, and track their status from sent to viewed to paid. Automated reminders nudge late payers politely on your behalf, and when funds arrive they are matched to the corresponding invoice automatically. For recurring clients, you can schedule invoices to issue on a regular cadence, turning a repetitive task into something that runs itself.

Move money across borders without the drama

International business no longer belongs only to multinationals. Novita Pay lets you hold, receive, and send multiple currencies from a single account, paying overseas suppliers and contractors at transparent, near-interbank rates. Local payment rails are used wherever possible to settle quickly and cheaply, and every transfer shows the exact fees and exchange rate before you confirm. For businesses managing regular cross-border flows, this transparency translates directly into preserved margin that would otherwise leak away in hidden spreads.

Reconciliation that runs itself

The platform integrates with popular accounting tools, so transactions, invoices, and receipts sync automatically into your books. Categorisation rules can be defined once and applied forever, and end-of-period exports produce clean, auditor-ready records. What was once a dreaded monthly ritual becomes a background process, freeing your finance function to focus on forecasting and strategy rather than data entry.

A partner for every stage of growth

Business needs evolve. A freelancer becomes a studio; a studio becomes an agency; an agency becomes a company with offices in several countries. Because Novita Pay is built on a scalable, cloud-native foundation, your banking grows with you rather than against you. Add users, open sub-accounts for different projects or entities, request higher limits, and unlock advanced treasury features as your requirements mature — all without ever needing to migrate to a new provider.