Novo Banco — Free Service Overview
Novo Banco is a free Banking & Payments service. Browse features, available discounts, and alternatives below.
Updated: May 2026
About Novo Banco
What is Novo Banco?
Novo Banco is operated by Novo Banco S.A., headquartered in Lisbon, Portugal and founded in 2014. The business operates as majority owned by Lone Star Funds (75%); 25% held by Portuguese Resolution Fund + Direção-Geral do Tesouro; IPO planned 2025-2026 on Euronext Lisbon. Sitting in the digital-banking and current-account market alongside neobanks and incumbent retail banks, the product is sized for Portugal customers as well as the broader regional market its parent serves.
Quick facts
- Operator: Novo Banco S.A.
- Headquarters: Lisbon, Portugal
- Founded: 2014
- Ownership / status: majority owned by Lone Star Funds (75%); 25% held by Portuguese Resolution Fund + Direção-Geral do Tesouro; IPO planned 2025-2026 on Euronext Lisbon
- Entry price anchor: €3-12/month for account packages
- 2025-2026 product update: 2025 Novo Banco announced an Euronext Lisbon IPO targeting 2026 listing, alongside continued digital platform investment via the NB smart app
Why people subscribe to Novo Banco
Novo Banco's subscriber base sticks around for a mix of catalog breadth, ecosystem lock-in, and the local-market specificity that Novo Banco S.A. brings to the offering.
Local-market fit
Because Novo Banco S.A. is anchored in Lisbon, Portugal, Novo Banco is built around the linguistic, regulatory, and payment-rail realities of its primary footprint. That makes it materially easier to use than a globalized rival for the market it serves.
Specific named features
Subscribers most commonly call out the following capabilities:
- EUR current account in Portugal
- NB smart app and online banking
- MB Way instant transfers
- SIBS MULTIBANCO ATM network
- Visa/Mastercard debit and credit
- Mortgages, consumer credit, savings
A concrete 2025-2026 update
2025 Novo Banco announced an Euronext Lisbon IPO targeting 2026 listing, alongside continued digital platform investment via the NB smart app This is the single most visible product change since Novo Banco was last covered in mainstream press, and it is the main reason new subscribers are signing up in 2025-2026.
Pricing and plans
Novo Banco's pricing anchors at €3-12/month for account packages. The tier ladder published by Novo Banco S.A. is summarized below; final prices vary by country, promotional period, and bundling.
| Tier | Source | Notes |
|---|---|---|
| Conta Ordenado | listed by Novo Banco S.A. | see vendor pricing page |
| Pacote Combina | listed by Novo Banco S.A. | see vendor pricing page |
| Pacote ALL IN | listed by Novo Banco S.A. | see vendor pricing page |
| Banca Privada | listed by Novo Banco S.A. | see vendor pricing page |
Free trial and refund policy
Refund and trial terms are set by Novo Banco S.A. and surface inside the signup flow. Subger does not act as a reseller; for current refund terms, consult the operator's published terms of service.
What the anchor price gets you
At €3-12/month for account packages, subscribers get the entry tier's allowance of Novo Banco's catalog and feature set. Higher tiers unlock the deeper benefits enumerated above.
Account features and digital banking
Sitting in the digital-banking and current-account market alongside neobanks and incumbent retail banks, Novo Banco differentiates on the specific feature mix listed above. The product is not trying to be a global generalist; it is sized for a specific market and audience.
Strengths
- Deep local-market integration in Portugal
- Specific named features above (not generic 'feature breadth' marketing)
- Active 2025-2026 product investment per 2025 Novo Banco announced an Euronext Lisbon IPO targeting 2026 listing, alongside continued digital platform investment
Trade-offs to weigh
- Smaller catalog or footprint than the global category leaders
- Pricing and availability vary outside Portugal
- Customer support is mostly in the local language
Platforms and device support
Novo Banco is published by Novo Banco S.A. across the standard consumer device matrix.
Mobile and web
iOS and Android apps plus a web product are the primary entry points. The web flow at the operator's main domain is typically the cleanest path for first-time signup.
Smart TV, console, and out-of-home
Where the product type warrants it (streaming, music, kids' content), Novo Banco ships Smart TV apps for Samsung Tizen, LG webOS, Android TV, and Apple TV, plus Chromecast and AirPlay casting.
Operator and corporate context
Novo Banco S.A., headquartered in Lisbon, Portugal, is majority owned by Lone Star Funds (75%); 25% held by Portuguese Resolution Fund + Direção-Geral do Tesouro; IPO planned 2025-2026 on Euronext Lisbon. The corporate parent matters because product investment, content licensing, and regulatory exposure all flow through it.
Corporate parent
majority owned by Lone Star Funds (75%); 25% held by Portuguese Resolution Fund + Direção-Geral do Tesouro; IPO planned 2025-2026 on Euronext Lisbon. This shapes how aggressively Novo Banco can fund new product, sign content deals, and underwrite regional expansion.
Regulatory footprint
Operating from Lisbon, Portugal, Novo Banco is bound by the applicable consumer-protection, data-protection, and sector-specific regulations of its home jurisdiction. Subscribers outside that jurisdiction may have different rights and remedies.
Who is Novo Banco a good fit for?
Best fit
Subscribers in or close to Portugal who value the specific features listed above and want a product built for their language and payment rails.
Less obvious fit
Out-of-region users who specifically want the Novo Banco catalog or feature set. Travel and VPN can complicate access; check Novo Banco S.A.'s terms.
Not the right fit
Users who need a globally consistent product available in every market. The global category leaders are a better choice there.
Frequently asked questions
Who owns and operates Novo Banco?
Novo Banco is operated by Novo Banco S.A., headquartered in Lisbon, Portugal. Ownership status is: majority owned by Lone Star Funds (75%); 25% held by Portuguese Resolution Fund + Direção-Geral do Tesouro; IPO planned 2025-2026 on Euronext Lisbon.
When was Novo Banco founded?
- The product has been on the market for over 12 years.
How much does Novo Banco cost?
The entry anchor is €3-12/month for account packages. The full tier ladder is published by Novo Banco S.A.; see the pricing section above.
Is Novo Banco available outside Portugal?
Availability outside the home market depends on licensing and regulatory permissions set by Novo Banco S.A.. Some products are geo-restricted.
What's new in 2025-2026?
2025 Novo Banco announced an Euronext Lisbon IPO targeting 2026 listing, alongside continued digital platform investment via the NB smart app
How does Novo Banco compare with the global category leaders?
Sitting in the digital-banking and current-account market alongside neobanks and incumbent retail banks. Novo Banco differentiates on local-market fit, specific feature mix, and direct ownership by Novo Banco S.A..
Does Novo Banco offer a free trial?
Trial and refund terms are set by Novo Banco S.A. inside the product signup flow. Subger does not act as a reseller.
How do I cancel my Novo Banco subscription?
Cancel through your account settings inside the Novo Banco app or web product, per Novo Banco S.A.'s standard cancellation flow. Subger publishes step-by-step cancel guides where the operator allows them.
What devices does Novo Banco support?
iOS, Android, and the operator's web product as the primary entry points, with Smart TV/console support where the product type warrants it.
Is Novo Banco regulated?
As a Novo Banco S.A. product operating out of Lisbon, Portugal, Novo Banco is bound by the consumer-protection and data-protection regulations of its home jurisdiction.
How to get started with Novo Banco
Sign up directly through Novo Banco S.A.'s product. The web product is typically the easiest first-time signup path; mobile in-app purchases are also supported for most consumer SKUs.
Recommended next steps
- Confirm regional availability for your market. Novo Banco is published by Novo Banco S.A. primarily for the Portugal market and adjacent regions.
- Review the published tier ladder against your actual usage. The €3-12/month for account packages entry anchor is the right starting point unless you specifically need premium-tier features.
- Start at the entry tier and upgrade only if you hit a real limit. Most subscribers find the entry tier sufficient for the first 30-90 days of use.
- Track renewals using Subger's renewal tracker so you do not get caught by silent price increases at renewal time.
- If you need to cancel, follow the operator's published flow inside the Novo Banco account settings. Subger documents the published flow for the services we cover.
Related on Subger
Pricing
| Regional pricing | Conta Online | Conta Mais |
|---|---|---|
| 🇵🇹PortugalEUR | €0.00≈ $0.00 | €8.90≈ $10.47 |
Prices converted at current exchange rate
Sources
Subger is not affiliated with, endorsed by, or connected to Novo Banco or its parent companies. All trademarks, service marks, and logos belong to their respective owners. Information on this page is provided for informational and comparison purposes only. Pricing and plan details are sourced from publicly available information and may not reflect current offerings — please verify with the official provider. If you are a representative of this service and believe any information is inaccurate, please contact us at info@subger.com.
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