Savings

Novita Pay Savings turns the quiet discipline of setting money aside into something effortless and even satisfying. Create as many savings pots as you have goals — an emergency fund, a holiday, a home deposit, a new venture — and watch each one grow with competitive returns and complete transparency. Automate your saving with round-ups and scheduled transfers, lock away funds in fixed-term deposits when you want a higher rate, and access your flexible savings instantly whenever life demands it.

There are no confusing tiers, no teaser rates that quietly collapse after a few months, and no penalties hidden in the terms. Just clear, honest savings designed to help you build the security and freedom that come from having money set aside.

Pots that turn goals into progress

Psychology matters in saving. A single undifferentiated pool of money is easy to raid and hard to feel motivated about. Novita Pay Savings lets you divide your savings into named pots, each dedicated to a specific goal, each with its own target and its own visible progress. Watching the holiday pot fill up, or the emergency fund cross a milestone, transforms saving from an abstract virtue into a tangible, motivating journey. You can create, rename, and reallocate pots freely, adapting them as your priorities evolve.

Automation that makes saving inevitable

The most reliable way to save is to remove the need for willpower altogether. Novita Pay offers round-ups that sweep the spare change from every card purchase into savings automatically, scheduled transfers that move a fixed amount on payday before you have a chance to spend it, and rules that top up pots whenever your balance exceeds a threshold you set. Each of these mechanisms works silently in the background, turning saving from a decision you must repeatedly make into a habit that simply happens.

Flexible savings with instant access

Life is unpredictable, and savings that you cannot reach when you genuinely need them offer little comfort. Novita Pay flexible savings pots pay competitive returns while keeping your money instantly accessible — move funds back to your spending balance in a single tap, with no notice period and no penalty. This combination of growth and liquidity means your emergency fund is genuinely there for emergencies, ready the moment you need it.

Fixed-term deposits for higher returns

When you know you can set money aside for a defined period, you can earn more for doing so. Novita Pay fixed-term deposits let you lock funds away for a chosen term in exchange for a higher, guaranteed rate that is fixed for the full duration. The terms are stated plainly upfront: you know exactly what you will earn and exactly when your funds mature. This certainty makes fixed-term deposits an ideal home for money you are saving toward a known future date.

Transparency in everything

Savings products have historically been a graveyard of fine print — introductory rates that expire, tiered structures that penalise smaller balances, and conditions designed to be forgotten. Novita Pay rejects all of it. Rates are shown clearly, the returns you earn are displayed in real time, and there are no hidden conditions waiting to catch you out. What you are told is what you get, for as long as you hold the product.

Saving as a foundation for freedom

Beyond the mechanics, saving is ultimately about freedom: the freedom to handle an unexpected bill without panic, to seize an opportunity without hesitation, to make choices from a position of strength rather than scarcity. Novita Pay Savings is designed with that larger purpose in mind. By making saving easy, automatic, transparent, and even enjoyable, the platform helps you build — steadily and quietly — the kind of financial resilience that changes how it feels to be alive in the world.