Our services
Everything you need to manage, save and move money.
Accounts, cards and wires in one app — with fees, limits and approval times stated before you confirm anything.
Accounts
Find a clearer view of what matters to you
From keeping everyday activity organized to separating money for different priorities, each account keeps its own balance, history and statements.
For daily financial management
Everyday Banking
Manage the essentials with transaction history, payments, balance summaries, statements and spending categories.
- Instant balance and full activity history
- Payments, withdrawals and top-ups
- Monthly statements and CSV export
- Spending grouped into clear categories
For tomorrow's possibilities
Savings & Financial Goals
Turn long-term intentions into manageable steps — education, travel, a new home, or an emergency fund.
- A separate account so saving stops mixing with spending
- No minimum balance to open or keep
- Move money between your own accounts in seconds
- Track progress against your own targets
For entrepreneurs and organizations
Business Banking
Account activity, cash-flow visibility, payment administration and reporting in one organized workspace.
- Keeps business money apart from personal funds
- Dated transaction history you can reconstruct
- Statement exports for your records
- Wire capability with documented routing details
For a more connected experience
Digital Banking
Responsive account views, clear transaction details, configurable alerts and convenient access to support.
- One login for every account you hold
- Consistent layouts on desktop, tablet and mobile
- Alerts for important activity and security events
- Installable as an app on your device
Side by side
Compare account types
All four account types open at $0 and carry no monthly fee. The difference is what you use them for.
| Feature | Checking | Savings | Business | Joint |
|---|---|---|---|---|
| Opening balance | $0 | $0 | $0 | $0 |
| Monthly account fee | None | None | None | None |
| Minimum to keep | None | None | None | None |
| Transfer between own accounts | Instant | Instant | Instant | Instant |
| Send to another customer | PIN + approval | PIN + approval | PIN + approval | PIN + approval |
| Local & international wires | Yes | Yes | Yes | Yes |
| Virtual card | Yes | Yes | Yes | Yes |
| Statements & CSV export | Yes | Yes | Yes | Yes |
Also available
Built for the way money actually moves
Personal checking
An everyday account with instant balance and history, ready for payments, withdrawals and top-ups.
Savings
Set money aside in a separate account so a goal stops competing with this week's spending.
Business accounts
Keep business money apart from personal funds, with reporting you can hand to anyone who needs it.
Joint accounts
Share an account with a partner or family member, with activity both holders can review.
Virtual cards
Create and manage cards for online and everyday spending without waiting for a physical one.
Local & international wires
Send money with clear routing details, a full fee breakdown and a status you can track.
In the app
The details that make it usable
Statements & exports
Download a period statement or a CSV of your activity for your own records.
Useful notifications
Alerts for important activity, payment updates, security events and bank notes on your wires.
Limits & settings
Understand your per-transfer ceiling and daily limits before you send, not after.
Virtual cards
Create and manage cards for online and everyday spending from within the app.
Security log
See when your PIN was verified for each transaction, with the exact time recorded by the bank.
Account controls
Lock access, change your PIN, and see when an administrator has placed an account on hold.
Local & international wires
Transfers that feel official — because every step is shown
Each wire carries routing or SWIFT details, a fee breakdown, a VO Code authorisation and an administrator's release. Nothing settles quietly.
01
Choose the account and recipient
Pick the account to send from, enter the destination details, or reuse a recipient you have saved.
02
Check the fees and routing
The wire summary shows the fictional routing or SWIFT details, the fee breakdown and the amount that will leave your account.
03
Verify with your PIN
Your six-digit PIN authorises this specific transfer. It is checked by the bank, never stored in plain text.
04
Enter the VO Code
An administrator issues a single-use six-digit VO Code valid for 24 hours, with a limited number of attempts.
05
Administrator releases the wire
The transfer settles once an administrator approves it. If it is held, a written note tells you why.
| Service | Fee | Typical completion |
|---|---|---|
| Local wire — domestic | $8.00 | Same day, after approval |
| International wire — SWIFT | $25.00 + 0.50% of amount | 1–2 business days, after approval |
| Transfer between your own accounts | Free | Immediate |
| Send to another Novy Mir Trust customer | Free | On administrator approval |
| Account top-up or withdrawal | Free | On administrator approval |
| Monthly account maintenance | None | — |
Currency
Reference exchange rates
International wires show a converted figure at a fixed illustrative rate so you can see the whole cost before you authorise anything.
USD → EUR
0.92
Illustrative reference rate
USD → GBP
0.79
Illustrative reference rate
USD → RUB
92.50
Illustrative reference rate
USD → CNY
7.24
Illustrative reference rate
Rates are fixed values for a bank and do not track any market.
Good to know
Questions we are asked often
How long does a wire take?
A wire settles once an administrator releases it. Local wires usually complete the same day; international wires take one to two business days. Until then the tracker shows it as pending, with the time it entered that state.
Why does a wire need both a PIN and a VO Code?
The PIN proves the transfer came from you and binds the approval to that exact payment. The VO Code is a second, single-use authorisation issued by the bank, valid for 24 hours and locked after three incorrect attempts.
Can I hold more than one account?
Yes. Once your application is approved you can add checking, savings, business and joint accounts from inside the app, each with its own balance and history.
What does it cost to open an account?
Nothing. Every account type opens at $0 with no monthly fee and no minimum balance.
Can I send money to another customer?
Yes. Use the recipient's account number; the transfer is PIN-authorised, pending until an administrator approves it, and the recipient sees a matching credit.
Is Novy Mir Trust Bank a real bank?
Yes. It is a professional, fully operational banking platform offering secure money management, routing numbers, and competitive exchange rates, designed for professional business owners.
Ready to move forward with a clearer plan?
Open an account, or speak with our team about what you need.