Novo vs Yokoy: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Novo and Yokoy side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Yokoy leads on higher user rating. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Novo
Smarter online business banking solutions for small businesses and self-employed entrepreneurs.
Best for you if:
- • You want business banking for small businesses
Yokoy
The intelligent platform for unified travel, expense, and invoice management.
Best for you if:
- • You want consolidates multiple spend management functions into one platform
| At a Glance | Novo | Yokoy |
|---|---|---|
Starts at | Free plan | Free plan |
Category | Finance Invoicing | Expense Management Finance |
Rating | 4.0/5 Trustpilot 4.2 · G2 3.5 4,812 reviews | 4.5/5 Capterra 4.5 · G2 4.5 55 reviews |
Free plan | Yes | Yes |
Watch out for | n/a | Premium/Pro tiers charge 3% per booking transaction. |
Choose Novo or Yokoy?
Choose Novo if
- You want business banking for small businesses
- You want no hidden fees approach
- You work in finance, not expense management
Choose Yokoy if
- You want consolidates multiple spend management functions into one platform
- You want AI automation significantly reduces manual effort in expense and invoice processing
- You work in expense management, not finance
In-Depth Analysis
Novo
Smarter online business banking solutions for small businesses and self-employed entrepreneurs.
Novo's pricing is exceptionally generous, offering a completely free tier with no monthly fees or minimum balance requirements.
Strengths
- Pro: Business banking for small businesses
- Pro: No hidden fees approach
- Pro: Integrates with business tools
- Pro: Easy account setup
- Pro: Mobile-first banking
Weaknesses
- Con: Limited to US businesses
- Con: No physical branch locations
- Con: Feature set still evolving
- Con: Deposit and transfer limits
- Con: May not suit all business needs
Key features
Yokoy
The intelligent platform for unified travel, expense, and invoice management.
Yokoy's Starter tier is very generous, offering a full platform with no platform fee, making it highly accessible for small businesses or those with infrequent travel.
Watch out
Premium/Pro tiers charge 3% per booking transaction.
Strengths
- Pro: Consolidates multiple spend management functions into one platform.
- Pro: AI automation significantly reduces manual effort in expense and invoice processing.
- Pro: Provides real-time visibility and control over business spending.
- Pro: Offers a wide range of global travel options and flexible booking management.
- Pro: Includes features for event management and sustainability initiatives.
Weaknesses
- Con: Platform fees and booking fees apply to Premium and Pro plans.
- Con: VAT-ready invoices are currently limited to specific European countries.
- Con: Some advanced features and integrations are only available on higher-tier plans.
Key features
Plans and prices: Novo vs Yokoy
| Tool | Plans and prices | Source |
|---|---|---|
| Novo |
| novo.co read Oct 3, 2026 |
| Yokoy |
| yokoy.io/pricing read Oct 19, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Novo pricing and Yokoy pricing.
Key Takeaways
Novo
- Choose if you want smarter online business banking solutions for small businesses and self-employed entrepreneurs
Yokoy
- Higher user rating: 4.5/5 vs 4.0/5
What the data shows
On the data below, Yokoy leads on higher user rating. We do not name an overall winner for this pair.
- Yokoy has the higher user rating (4.0/5 from 4,812 reviews for Novo, 4.5/5 from 55 reviews for Yokoy).
- Both have a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Novo and Yokoy compare in 2026?
On the data below, Yokoy leads on higher user rating. We do not name an overall winner for this pair. Yokoy has the higher user rating (4.0/5 from 4,812 reviews for Novo, 4.5/5 from 55 reviews for Yokoy). Both have a free plan.
What are Novo and Yokoy used for?
Novo: Smarter online business banking solutions for small businesses and self-employed entrepreneurs. Yokoy: The intelligent platform for unified travel, expense, and invoice management.
What does Novo cost vs Yokoy?
Novo has no public paid-plan price on file. Yokoy has no public paid-plan price on file. Prices read on the vendors' pricing pages, latest check Oct 19, 2026.
What's the main difference between Novo and Yokoy?
Novo's main strength: business banking for small businesses. Yokoy's main strength: consolidates multiple spend management functions into one platform.