Hold your crypto. Spend it the second you tap.
Nova Bank converts the amount of that one purchase, at the price in that moment, and pays the merchant ordinary dollars. Your remaining balance never moves.
No spam, no selling your data
One Balance
$18,426.72
$4,120.55 available to spend · rest held in crypto
- Keep what you hold
- Your BTC, ETH and stablecoins stay in the asset you chose. Nothing is pre-sold and nothing sits in dollars waiting to be spent.
- Pay like a normal card
- Tap, dip, or pay online through Apple Pay and Google Pay. The terminal runs an ordinary card payment. There is nothing for the cashier to learn.
- Only that purchase converts
- At the moment you tap, Nova Bank converts the exact amount of that transaction at that moment's price. Not your whole balance. Just the coffee.
You already own the money. You just can't spend it.
Between a wallet and a sandwich there is an exchange, a sale, a transfer, a settlement window, and a completely different card. Each step costs something.
| Spending crypto today | What it costs you | Relative weight |
|---|---|---|
| Open an exchange account | Identity checks, days | |
| Sell more than you needed | Exchange fee & spread | |
| Withdraw the dollars | Flat withdrawal fee | |
| Wait for settlement | Days of price exposure | |
| Pay with a different card | A second account to run | |
| Nova Bank — tap the card | One conversion fee |
Limitless.
Not a special crypto card that works in special places. An ordinary card, taken wherever cards are already taken — at the till, online, and abroad — drawing on whichever asset you chose to hold.
You still set your own spending limits, and plan allowances apply — all of them are on the fee schedule.
Your balance is still crypto.
Nothing has been sold. Nothing is sitting in dollars waiting. The card is in your wallet and your holdings are untouched.
Open the wallet on your phone.
Nova Bank works with Apple Pay and Google Pay, so paying starts the same way it already does on your phone.
Confirm with your face or a passkey.
The payment can't go through without you. This is the same check that guards every login to your account.
Hold it near the reader.
The terminal runs an ordinary card payment and is paid in dollars. At that instant Nova Bank converts the amount of this purchase, and only this purchase.
The whole conversion, written down.
What was converted, the rate at the moment you tapped, and the fee. No spread hidden in the exchange rate.
Every tap is a taxable event. We keep the receipts.
In the United States, spending crypto is a disposal of a capital asset. Buy coffee four hundred times a year and you have four hundred disposals, each needing a cost basis, a holding period and a gain or loss.
Nova Bank records all of it as it happens, because we're the one doing the conversion. At the end of the year you export a summary your filing software or your accountant can use.
We give you the records and the arithmetic. We're not your tax adviser, we don't file for you, and rules differ by state and by person.
Included on every plan, Free too.
One number, then the truth behind it.
Crypto and cash shown together as a single figure you can actually read — and underneath it, exactly how much of that you can spend today, and what's still held in the asset you chose.
Smart Spend decides what converts first. Set it once — stablecoins before long-term holdings, say — and stop thinking about it.
Join the waitlistHold mode keeps an asset out of every conversion until you say otherwise.
The rest of the account.
The card is the point. These are the things around it that make it usable every day.
Nova Bank Assistant
Ask what you spent, why a fee applied, or how a conversion was priced — and get the answer in plain language. It explains and recommends; it never moves money on its own.
Send with a name
Pay another person by username, phone number, or QR code. No routing numbers, no account numbers, no re-typing digits off a screenshot.
A card per merchant
Give every subscription its own virtual card. If one gets loose, or a free trial won't let go, kill that card alone and leave the rest untouched.
Scheduled conversions
Convert a set amount on a schedule instead of at the till, if you'd rather smooth it out. Every one still shows its rate and fee.
Travel mode
Local currency and a fair conversion rate while you're abroad, with the rate shown up front — not a surprise line on next month's statement.
Get paid into it
Receive salary or transfers into the account and choose what happens next — hold it as cash, or convert it on your terms.
Easy for you to reach. Hard for anyone else.
You should be able to explain your own security in one breath. Here's ours: you approve access with your face or a passkey, you set your own limits, you can freeze the card in a second, and every rate and fee we use is written down where you can see it.
Getting in
Passkey and biometric sign-in, multi-factor authentication, and a verification step whenever a new device tries to reach your account.
Watching transactions
Real-time fraud and anomaly detection on every payment, spending limits you set yourself, and a freeze switch that stops the card instantly from your phone.
When something looks off
Unusual activity can trigger a short hold or an extra check. When it does, we tell you what tripped it and what clears it — rather than silently declining you at the counter.
How your crypto is held
Assets are held through institutional-grade custody infrastructure — the kind built for professional safekeeping, with segregation and strict operational controls. Not keys sitting loose inside a phone app.
Transparency is security
Every conversion shows the rate and the fee that were actually used. No spread buried in the exchange rate, no number you're asked to trust without seeing.
Your data
Encrypted in transit and at rest. We don't sell your personal data, and we don't hand it to advertisers — a commitment we'd rather state plainly than bury in a policy.
Nova Bank is pre-launch. These are the protections being built into the product before it opens — described here so you can judge them, not as a claim about a service you can use today.
Three cards. One card each.
Planned pricing for launch in the United States. We'd rather show it now than surprise you later.
Free
$0/ month
$0/ month
Free, and it stays free.
Free, and it stays free.
Everything you need to spend crypto, at no cost.
No subscription to earn back. Cheapest below about $2,000 a month of BTC or ETH spending.
- Virtual card issued instantly
- One Balance dashboard
- Apple Pay & Google Pay
- Tax records and export
Premium
Most complete$12/ month
$12$11.40/ month
$144 over a year. Paying yearly brings that to $136.80.
$136.80 billed yearly, instead of $144.
A real card, better rates, and rules that spend for you.
Pays for itself at about $2,000 a month of BTC or ETH spending — $1,900 if you pay yearly.
- Physical card
- Priority conversion rate
- Smart Spend rules
- Travel mode included
Metal
$28/ month
$28$26.60/ month
$336 over a year. Paying yearly brings that to $319.20.
$319.20 billed yearly, instead of $336.
For households, frequent travellers, and the first people through the door.
Cheapest overall once you spend about $4,000 a month in BTC or ETH.
- Weighted metal card
- Family accounts included
- Dedicated support line
- Founding-member perks at launch
Planned pricing, United States, subject to change before launch. Nothing is charged today.
Work out your own answer.
Move the sliders. We'll tell you what each plan would cost you in a month — and if that answer is Free, we'll say Free. Nothing here is trying to talk you upwards.
Everything we'd charge for, on one page.
If it isn't on this table, we don't plan to charge for it. That includes closing your account, disputing a payment, freezing your card, and talking to us.
| What | Free | Premium | Metal |
|---|---|---|---|
| Stablecoin conversionUSDC and similar, converted at the till | Free | Free | Free |
| Crypto conversionBTC, ETH and other volatile assets | 1.25% | 0.65% | 0.25% |
| Monthly subscription | $0 | $12 | $28 |
| Yearly subscriptionFive percent less than twelve monthly payments | $0 | $136.80 | $319.20 |
| Spending abroadAbove the rate we're quoted, any day of the week | 1.0% | Free | Free |
| Cash machinesThen a percentage above the monthly allowance | $2.50 + 2% over $200 | $400 free, then 2% | $1,000 free, then 1.5% |
| Virtual card | Free | Free | Free |
| Physical card | $9 once | Included | Metal, included |
| Replacement card | $9 | One a year free | Free |
| Tax records and export | Free | Free | Free |
Planned fees, United States, subject to change before launch.
Get the card before it's public.
Early access opens in the United States first. Join the list and we'll write to you when there's something real to try — not before.
Sending your sign-up…
Prototype — Nova Bank is pre-launch. Joining adds your email, the plan you picked and how you found us to our waitlist, so we can write to you when there is something to try. No account is created and nothing is charged. We do not sell your data, and you can ask us to delete you at any time.