The art of personal financial management
NOVIQ is built for those who value absolute reliability, discretion and first-class service — a global financial ecosystem platform for your capital.
- 24/7
- Personal concierge & financial assistant
- 100%
- Maximum protection for data & capital
- Worldwide
- International privileges & premium access
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Tools for your financial freedom
Everything you need for everyday finances — nothing you don't.
€0 account maintenance, forever
Permanently free to use — no hidden fees, no minimum balance.
Lightning-fast global transfers
Send money to Europe and worldwide in seconds, at transparent exchange rates.
Premium cashback & benefits
Percentage cashback on restaurant, travel & shopping spend, paid out directly in hard currency.
Integrated eSIM
Seamless connectivity with no roaming fees in over 150 countries, managed directly from the NOVIQ app.
The NOVIQ Card
A minimalist card design with full Apple Pay & Google Pay integration.
Earnings & live donations, straight to your card
A curated program for creators and streamers who want to monetize their community.
Exclusive creator partner program
Monetize your community: selected creators earn a lasting 10% of the platform's take for every user they refer, paid out automatically to their NOVIQ card.
Instant live-stream donations
Direct integration with OBS / Streamlabs. No payout delays, no heavy third-party fees. Viewers donate in 2 clicks, the money lands on your card instantly, and the alert overlay fires on stream without delay.
By application only — we review every creator individually.
Scale your business without cashflow bottlenecks
Built for e-commerce sellers, logistics operators and growing teams.
Inventory & working capital financing
Purchasing credit lines based on your revenue to prefinance inventory and sales.
50–60 day payment terms
Pay your suppliers immediately, settle invoices only after 50 to 60 days — sell your stock without the stress.
Logistics & cashflow bridging
Financial headroom for transport & logistics companies: bridging fuel costs, cabotage and open freight-register receivables.
Branded corporate cards
Create company cards in your own corporate design with your logo, for employees, drivers and partners — with individual limit management.
A seamless fusion of fiat & digital assets
Digital asset operations are conducted via authorized European Virtual Asset Service Providers (VASP).
Multi-asset wallet
Secure custody of USDT, BTC, ETH and fiat currencies in one central app.
Instant P2P & FX exchange
Direct exchange at the best market rate, with no delays.
1-click crypto card payments
Automatic crypto-to-fiat conversion right at checkout, at any card terminal worldwide.
Flexible capital for personal & business
Personalized credit lines for individuals, and flexible growth loans for the self-employed and companies — without unnecessary bureaucracy.
Personal credit line
A personalized credit line for planned purchases or bridging gaps, activated directly in the app.
Business growth loan
Flexible growth financing for the self-employed and companies, arranged together with our partner institutions.
Credit decisions and payment term extensions are made following a successful creditworthiness check by our partner institutions.
Security you don't have to think about
NOVIQ is currently in pre-launch. Here's what we're building the platform on.
End-to-end encryption
Your data is encrypted in transit and at rest, always.
Two-factor by default
Every login and sensitive action requires a second verification step.
Real-time card controls
Freeze a card, set limits or kill it entirely — instantly, from the app.
Independent security review
Our infrastructure is built to undergo regular third-party audits ahead of launch.
NOVIQ is a financial technology platform, not a bank. Card issuing and payment services are provided in partnership with regulated, licensed institutions. Full details will be published before public launch.
Invite friends, move up the list
Everyone who joins through your link bumps you further up the waitlist.
Share your link
You'll get a personal invite link right after you sign up.
A friend joins
They sign up using your link — takes them about two minutes.
You move up the list
Every invite improves your position, so you get access sooner.
Frequently asked questions
We're onboarding waitlist members in batches. Joining now secures your place in line — the earlier you join, the sooner you get access.
Become part of the NOVIQ ecosystem
Join the waitlist and be first in line when we launch.