Novo
Worth it
Confidence: Medium
Buy if you are a freelancer or small business owner who wants fee-free checking with invoicing built in.
Comparison
Novo vs Relay.app
Novo lands on Worth it, and Relay.app lands on Skip.
Relay.app
Skip
Confidence: High
Nobody should buy: Relay.app shut down September 14, 2026, and deleted all accounts, workflows, and run history.
| Compare | Novo | Relay.app |
|---|---|---|
| Verdict | Worth it | Skip |
| Best for | Freelancers invoicing clients monthly | No one . service is gone |
| Who it's not for | Businesses needing cash deposits or branches | Everyone . the product no longer exists |
| Privacy | No known public vulnerabilities found in the sources reviewed. | No known public vulnerabilities found in the sources reviewed. |
| Support quality | Users report no phone number for support | Company closed; support no longer exists |
| Public sentiment | Users praise the simple, fee-free app but repeatedly complain about the lack of phone support.⁵ | User reaction was disappointment plus a scramble to migrate automations to other platforms.13 |
| Biggest gotcha | No phone support; a user says issues go unresolved, costing a 1-star review⁶ | Data is unrecoverable . accounts, workflows, and run history were permanently deleted⁹ |
Pick Novo when
- Freelancers invoicing clients monthly
- Solopreneurs wanting fee-free checking
- Mobile-first small business owners
- Businesses paying contractors via ACH
When Novo is not a fit
- Businesses needing cash deposits or branches
- Anyone who needs phone support when things break
- Companies wanting deep bookkeeping in their bank
- Larger teams needing treasury or multi-user controls
Pick Relay.app when
- No one . service is gone
- Former users planning migration off exports
When Relay.app is not a fit
- Everyone . the product no longer exists
- New automation buyers . signups are blocked
- Anyone expecting data recovery . all data was deleted
- Teams wanting a supported, live vendor
Sources
- Novo homepagenovo.coofficial
- Novo Business Checking: 2026 Review . NerdWalletnerdwallet.comreview
- Novo Review . US Newsusnews.comreview
- Novo Business Banking Review . Airwallexairwallex.comreview
- Novo . App Storeapps.apple.comreview
- Novo . Google Playplay.google.comreview
- Trustpilot reviews of novo.cotrustpilot.comreview
- Novo raises $125M Series B . LinkedInlinkedin.comnews
official
- Relay.app Docs: Relay.app is shutting downdocs.relay.appofficial
news
news
- Relay.app closing (Reddit r/CRM)reddit.comreview
review
- Rebuild Your Workflows Free (FlowRunner)flowrunner.aireview
review