{"id":2054,"date":"2025-06-12T20:17:22","date_gmt":"2025-06-12T20:17:22","guid":{"rendered":"https:\/\/birkanulusoy.com.tr\/?p=2054"},"modified":"2025-06-12T20:17:22","modified_gmt":"2025-06-12T20:17:22","slug":"novo-bank-nedir","status":"publish","type":"post","link":"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/","title":{"rendered":"Novo Bank Nedir, Nas\u0131l Hesap A\u00e7\u0131l\u0131r, Banka Kart\u0131 Al\u0131n\u0131r?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Novo_Bank_Nedir\" >Novo Bank Nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Novo_Hangi_Isletmelere_Hitap_Eder\" >Novo Hangi \u0130\u015fletmelere Hitap Eder?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Freelancerlar_Icin_Neden_Uygun\" >Freelancerlar \u0130\u00e7in Neden Uygun?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#KOBI_ve_Start-up_Dostu_Yaklasim\" >KOB\u0130 ve Start-up Dostu Yakla\u015f\u0131m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#E-ticaret_Girisimlerine_Ozel\" >E-ticaret Giri\u015fimlerine \u00d6zel<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Novo_Hesap_Acma_Sureci\" >Novo Hesap A\u00e7ma S\u00fcreci<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Kimler_Novo_Hesabi_Acabilir\" >Kimler Novo Hesab\u0131 A\u00e7abilir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Hesap_Acilisi_Icin_Gerekli_Belgeler\" >Hesap A\u00e7\u0131l\u0131\u015f\u0131 \u0130\u00e7in Gerekli Belgeler<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Novonun_Ucret_Politikasi\" >Novo\u2019nun \u00dccret Politikas\u0131<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Temel_Ucret_Bilgileri\" >Temel \u00dccret Bilgileri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Para_Transferleri\" >Para Transferleri<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Entegrasyonlar_ve_Is_Araclari\" >Entegrasyonlar ve \u0130\u015f Ara\u00e7lar\u0131<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Muhasebe_Entegrasyonlari\" >Muhasebe Entegrasyonlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#E-Ticaret_ve_Odeme_Entegrasyonlari\" >E-Ticaret ve \u00d6deme Entegrasyonlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Is_Akisi_Araclari\" >\u0130\u015f Ak\u0131\u015f\u0131 Ara\u00e7lar\u0131<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Mobil_Uygulama_ve_Kullanici_Deneyimi\" >Mobil Uygulama ve Kullan\u0131c\u0131 Deneyimi ????<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#One_Cikan_Ozellikler\" >\u00d6ne \u00c7\u0131kan \u00d6zellikler:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Sanal_ve_Fiziksel_Novo_Karti\" >Sanal ve Fiziksel Novo Kart\u0131 ????<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Fiziksel_Kart\" >Fiziksel Kart:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Sanal_Kart\" >Sanal Kart:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Guvenlik_Ozellikleri\" >G\u00fcvenlik \u00d6zellikleri:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Para_Alma_ve_Gonderme_Secenekleri\" >Para Alma ve G\u00f6nderme Se\u00e7enekleri ????<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Para_Alma\" >Para Alma:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Para_Gonderme\" >Para G\u00f6nderme:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Uluslararasi_Islemler\" >Uluslararas\u0131 \u0130\u015flemler:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Novonun_Artilari_ve_Eksileri_%E2%9A%96%EF%B8%8F\" >Novo\u2019nun Art\u0131lar\u0131 ve Eksileri \u2696\ufe0f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Artilari\" >Art\u0131lar\u0131:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Eksileri\" >Eksileri:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Novo_Alternatifleri_ile_Karsilastirma\" >Novo Alternatifleri ile Kar\u015f\u0131la\u015ft\u0131rma<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/birkanulusoy.com\/tr\/novo-bank-nedir\/#Hangi_Durumda_Hangi_Banka\" >Hangi Durumda Hangi Banka?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"156\" data-end=\"196\"><span class=\"ez-toc-section\" id=\"Novo_Bank_Nedir\"><\/span><strong data-start=\"159\" data-end=\"196\">Novo Bank Nedir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"198\" data-end=\"550\">Son y\u0131llarda finansal hizmetlerde ya\u015fanan dijital d\u00f6n\u00fc\u015f\u00fcm, \u00f6zellikle k\u00fc\u00e7\u00fck i\u015fletme sahipleri ve serbest \u00e7al\u0131\u015fanlar i\u00e7in \u00e7ok daha eri\u015filebilir ve esnek \u00e7\u00f6z\u00fcmler sundu. Bu d\u00f6n\u00fc\u015f\u00fcm\u00fcn \u00f6nemli temsilcilerinden biri olan <strong data-start=\"412\" data-end=\"425\">Novo Bank<\/strong>, geleneksel bankac\u0131l\u0131\u011f\u0131n hantall\u0131\u011f\u0131n\u0131 ortadan kald\u0131rmak i\u00e7in geli\u015ftirilmi\u015f, tamamen dijital bir i\u015f bankac\u0131l\u0131\u011f\u0131 platformudur.<\/p>\n<p data-start=\"552\" data-end=\"936\"><strong data-start=\"552\" data-end=\"560\">Novo<\/strong>, 2016 y\u0131l\u0131nda Amerika Birle\u015fik Devletleri\u2019nde kurulmu\u015f ve \u00f6zellikle KOB\u0130\u2019ler (k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmeler), e-ticaret giri\u015fimleri ve freelancerlar i\u00e7in pratik, \u015feffaf ve h\u0131zl\u0131 bankac\u0131l\u0131k hizmetleri sunmay\u0131 hedeflemi\u015ftir. Novo\u2019nun en belirgin \u00f6zelli\u011fi, fiziksel bir \u015fubeye ihtiya\u00e7 duymadan t\u00fcm i\u015flemleri mobil veya masa\u00fcst\u00fc uygulamalar \u00fczerinden ger\u00e7ekle\u015ftirebilmenizdir.<\/p>\n<p data-start=\"938\" data-end=\"1238\">Novo, geleneksel bankalar\u0131n \u00e7o\u011funda kar\u015f\u0131la\u015f\u0131lan gizli \u00fccretlerden ka\u00e7\u0131nmak, kullan\u0131c\u0131 dostu bir aray\u00fcz sunmak ve i\u015f sahiplerine i\u015flerini y\u00f6netmede zaman kazand\u0131rmak amac\u0131yla yola \u00e7\u0131km\u0131\u015ft\u0131r. Bug\u00fcn Amerika\u2019da \u00f6zellikle yeni kurulan i\u015fletmelerin dijital bankac\u0131l\u0131k tercihlerinin ba\u015f\u0131nda yer almaktad\u0131r.<\/p>\n<h2 data-start=\"1245\" data-end=\"1289\"><span class=\"ez-toc-section\" id=\"Novo_Hangi_Isletmelere_Hitap_Eder\"><\/span><strong data-start=\"1248\" data-end=\"1289\">Novo Hangi \u0130\u015fletmelere Hitap Eder?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1291\" data-end=\"1536\">Novo Bank\u2019\u0131n \u00f6ne \u00e7\u0131kan avantajlar\u0131ndan biri de, hedef kitlesini olduk\u00e7a iyi tan\u0131mas\u0131d\u0131r. Geleneksel bankalar \u00e7o\u011fu zaman b\u00fcy\u00fck i\u015fletmelere y\u00f6nelik \u00e7\u00f6z\u00fcmler sunarken, Novo\u2019nun yap\u0131s\u0131 daha \u00e7ok mikro i\u015fletmelere ve bireysel giri\u015fimcilere hitap eder.<\/p>\n<h3 data-start=\"1538\" data-end=\"1577\"><span class=\"ez-toc-section\" id=\"Freelancerlar_Icin_Neden_Uygun\"><\/span><strong data-start=\"1542\" data-end=\"1577\">Freelancerlar \u0130\u00e7in Neden Uygun?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1578\" data-end=\"1912\">Freelancer\u2019lar i\u00e7in \u00f6deme almak, bu \u00f6demeleri ay\u0131rmak, fatura kesmek ve giderleri takip etmek \u00e7o\u011fu zaman zorlay\u0131c\u0131 olabilir. Novo, bu i\u015flemleri tek bir panelde birle\u015ftirerek zaman tasarrufu sa\u011flar. Ayr\u0131ca Stripe, PayPal, Wise gibi global \u00f6deme sistemleriyle uyumlu \u00e7al\u0131\u015farak, serbest \u00e7al\u0131\u015fanlar\u0131n \u00f6deme almas\u0131n\u0131 olduk\u00e7a kolayla\u015ft\u0131r\u0131r.<\/p>\n<h3 data-start=\"1914\" data-end=\"1953\"><span class=\"ez-toc-section\" id=\"KOBI_ve_Start-up_Dostu_Yaklasim\"><\/span><strong data-start=\"1918\" data-end=\"1953\">KOB\u0130 ve Start-up Dostu Yakla\u015f\u0131m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1954\" data-end=\"2244\">LLC (Limited Liability Company), Sole Proprietorship (\u015fah\u0131s \u015firketi), S-Corp ve C-Corp gibi i\u015f yap\u0131lar\u0131 Novo taraf\u0131ndan desteklenmektedir. \u00d6zellikle Amerika\u2019da yeni kurulan bir LLC i\u00e7in Novo, h\u0131zl\u0131 hesap a\u00e7\u0131l\u0131\u015f\u0131, \u00fccretsiz hizmet politikas\u0131 ve i\u015f y\u00f6netim ara\u00e7lar\u0131yla ciddi bir avantaj sunar.<\/p>\n<h3 data-start=\"2246\" data-end=\"2282\"><span class=\"ez-toc-section\" id=\"E-ticaret_Girisimlerine_Ozel\"><\/span><strong data-start=\"2250\" data-end=\"2282\">E-ticaret Giri\u015fimlerine \u00d6zel<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2283\" data-end=\"2561\">Amazon, Etsy, Shopify ve WooCommerce gibi platformlar \u00fczerinden sat\u0131\u015f yapan i\u015fletmeler i\u00e7in Novo, do\u011frudan bu platformlarla entegre \u00e7al\u0131\u015farak i\u015f ak\u0131\u015f\u0131n\u0131 otomatize eder. Bu da \u00f6zellikle sat\u0131\u015f raporlamas\u0131, \u00f6deme takibi ve masraf y\u00f6netimi gibi s\u00fcre\u00e7leri b\u00fcy\u00fck \u00f6l\u00e7\u00fcde kolayla\u015ft\u0131r\u0131r.<\/p>\n<h2 data-start=\"2568\" data-end=\"2600\"><span class=\"ez-toc-section\" id=\"Novo_Hesap_Acma_Sureci\"><\/span><strong data-start=\"2571\" data-end=\"2600\">Novo Hesap A\u00e7ma S\u00fcreci<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2602\" data-end=\"2818\">Geleneksel bankalarda randevu alma, belge sunma, fiziki \u015fube ziyareti gibi a\u015famalarla s\u00fcren hesap a\u00e7\u0131l\u0131\u015f\u0131, Novo\u2019da yaln\u0131zca birka\u00e7 dakikal\u0131k bir dijital s\u00fcre\u00e7tir. Ancak elbette baz\u0131 temel \u015fartlar ve belgeler gerekir. <a href=\"https:\/\/onboarding.novo.co\/signup?utm_source=Direct&amp;utm_medium=Web&amp;utm_content=Homepage-Button-TopRight\" target=\"_blank\" rel=\"noopener\">novo.co<\/a> ba\u011flant\u0131s\u0131ndan hemen hesab\u0131n\u0131z\u0131 a\u00e7abilirsiniz.<\/p>\n<h3 data-start=\"2820\" data-end=\"2856\"><span class=\"ez-toc-section\" id=\"Kimler_Novo_Hesabi_Acabilir\"><\/span><strong data-start=\"2824\" data-end=\"2856\">Kimler Novo Hesab\u0131 A\u00e7abilir?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"2857\" data-end=\"3090\">\n<li data-start=\"2857\" data-end=\"2879\">\n<p data-start=\"2859\" data-end=\"2879\"><strong data-start=\"2859\" data-end=\"2879\">ABD vatanda\u015flar\u0131<\/strong><\/p>\n<\/li>\n<li data-start=\"2880\" data-end=\"2932\">\n<p data-start=\"2882\" data-end=\"2932\"><strong data-start=\"2882\" data-end=\"2932\">ABD\u2019de yasal olarak kurulmu\u015f i\u015fletme sahipleri<\/strong><\/p>\n<\/li>\n<li data-start=\"2933\" data-end=\"3090\">\n<p data-start=\"2935\" data-end=\"3090\">\u015eirket t\u00fcr\u00fc fark etmeksizin, ge\u00e7erli bir <strong data-start=\"2976\" data-end=\"3016\">EIN (Employer Identification Number)<\/strong> veya <strong data-start=\"3022\" data-end=\"3056\">SSN (Sosyal G\u00fcvenlik Numaras\u0131)<\/strong> olan herkes Novo\u2019ya ba\u015fvurabilir.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3092\" data-end=\"3340\">Yani yurt d\u0131\u015f\u0131ndan bir giri\u015fimciyseniz ve Amerika\u2019da \u015firket kurmu\u015fsan\u0131z, Novo \u00fczerinden hesap a\u00e7man\u0131z m\u00fcmk\u00fcnd\u00fcr. Ancak hesap do\u011frulama s\u00fcre\u00e7lerinde baz\u0131 durumlarda Amerika i\u00e7i adres ya da pasaport, \u015firket belgeleri gibi ek do\u011frulamalar istenebilir.<\/p>\n<h3 data-start=\"3342\" data-end=\"3385\"><span class=\"ez-toc-section\" id=\"Hesap_Acilisi_Icin_Gerekli_Belgeler\"><\/span><strong data-start=\"3346\" data-end=\"3385\">Hesap A\u00e7\u0131l\u0131\u015f\u0131 \u0130\u00e7in Gerekli Belgeler<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"3386\" data-end=\"3599\">\n<li data-start=\"3386\" data-end=\"3439\">\n<p data-start=\"3388\" data-end=\"3439\">\u015eirket kurulu\u015f belgeleri (Articles of Organization)<\/p>\n<\/li>\n<li data-start=\"3440\" data-end=\"3479\">\n<p data-start=\"3442\" data-end=\"3479\">EIN mektubu (IRS taraf\u0131ndan sa\u011flanan)<\/p>\n<\/li>\n<li data-start=\"3480\" data-end=\"3536\">\n<p data-start=\"3482\" data-end=\"3536\">\u0130\u015fletmeye ait fiziksel adres (PO Box ge\u00e7erli de\u011fildir)<\/p>\n<\/li>\n<li data-start=\"3537\" data-end=\"3599\">\n<p data-start=\"3539\" data-end=\"3599\">Kimlik do\u011frulama i\u00e7in pasaport, kimlik ya da ehliyet g\u00f6rseli<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3601\" data-end=\"3797\">Ba\u015fvurular do\u011frudan Novo\u2019nun resmi sitesi veya mobil uygulamas\u0131 \u00fczerinden yap\u0131labilir. Ortalama do\u011frulama s\u00fcresi 1\u20133 i\u015f g\u00fcn\u00fc aras\u0131nda de\u011fi\u015fmektedir. Ancak yo\u011funluk d\u00f6nemlerinde bu s\u00fcre uzayabilir.<\/p>\n<h2 data-start=\"3804\" data-end=\"3839\"><span class=\"ez-toc-section\" id=\"Novonun_Ucret_Politikasi\"><\/span><strong data-start=\"3807\" data-end=\"3839\">Novo\u2019nun \u00dccret Politikas\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3841\" data-end=\"4041\">Bankac\u0131l\u0131kta en fazla \u015fikayet edilen konulardan biri olan \u201cgizli \u00fccretler\u201d konusunda Novo olduk\u00e7a \u015feffaf ve kullan\u0131c\u0131 dostu bir yakla\u015f\u0131m sergiliyor. Novo, pek \u00e7ok hizmeti <strong data-start=\"4012\" data-end=\"4032\">tamamen \u00fccretsiz<\/strong> sunuyor.<\/p>\n<h3 data-start=\"4043\" data-end=\"4072\"><span class=\"ez-toc-section\" id=\"Temel_Ucret_Bilgileri\"><\/span><strong data-start=\"4047\" data-end=\"4072\">Temel \u00dccret Bilgileri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"4073\" data-end=\"4304\">\n<li data-start=\"4073\" data-end=\"4104\">\n<p data-start=\"4075\" data-end=\"4104\"><strong data-start=\"4075\" data-end=\"4098\">Ayl\u0131k bak\u0131m \u00fccreti:<\/strong> Yok<\/p>\n<\/li>\n<li data-start=\"4105\" data-end=\"4144\">\n<p data-start=\"4107\" data-end=\"4144\"><strong data-start=\"4107\" data-end=\"4138\">Minimum bakiye gereksinimi:<\/strong> Yok<\/p>\n<\/li>\n<li data-start=\"4145\" data-end=\"4171\">\n<p data-start=\"4147\" data-end=\"4171\"><strong data-start=\"4147\" data-end=\"4165\">A\u00e7\u0131l\u0131\u015f \u00fccreti:<\/strong> Yok<\/p>\n<\/li>\n<li data-start=\"4172\" data-end=\"4304\">\n<p data-start=\"4174\" data-end=\"4304\"><strong data-start=\"4174\" data-end=\"4189\">ATM \u00fccreti:<\/strong> Novo kendi ATM\u2019i olmad\u0131\u011f\u0131 i\u00e7in, di\u011fer bankalar\u0131n ATM\u2019lerinden yap\u0131lan \u00e7ekimlerde al\u0131nan \u00fccretleri <strong data-start=\"4288\" data-end=\"4304\">geri \u00f6d\u00fcyor.<\/strong><\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"4306\" data-end=\"4331\"><span class=\"ez-toc-section\" id=\"Para_Transferleri\"><\/span><strong data-start=\"4310\" data-end=\"4331\">Para Transferleri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"4332\" data-end=\"4640\">\n<li data-start=\"4332\" data-end=\"4364\">\n<p data-start=\"4334\" data-end=\"4364\"><strong data-start=\"4334\" data-end=\"4355\">ACH Transferleri:<\/strong> \u00dccretsiz<\/p>\n<\/li>\n<li data-start=\"4365\" data-end=\"4475\">\n<p data-start=\"4367\" data-end=\"4475\"><strong data-start=\"4367\" data-end=\"4402\">Yurti\u00e7i havale (wire transfer):<\/strong> Gelen transferler \u00fccretsiz, giden transferler i\u00e7in $27 \u00fccret al\u0131nabilir.<\/p>\n<\/li>\n<li data-start=\"4476\" data-end=\"4640\">\n<p data-start=\"4478\" data-end=\"4640\"><strong data-start=\"4478\" data-end=\"4504\">Uluslararas\u0131 i\u015flemler:<\/strong> Novo\u2019nun do\u011frudan destekledi\u011fi bir d\u00f6viz hesab\u0131 yap\u0131s\u0131 yoktur, ancak Wise ile entegre \u00e7al\u0131\u015farak bu eksiklik b\u00fcy\u00fck oranda giderilebilir.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4642\" data-end=\"4765\">Bu yap\u0131, \u00f6zellikle yeni kurulan i\u015fletmelerin b\u00fct\u00e7esini zorlamadan profesyonel bir banka deneyimi ya\u015famalar\u0131na olanak tan\u0131r.<\/p>\n<h2 data-start=\"4772\" data-end=\"4811\"><span class=\"ez-toc-section\" id=\"Entegrasyonlar_ve_Is_Araclari\"><\/span><strong data-start=\"4775\" data-end=\"4811\">Entegrasyonlar ve \u0130\u015f Ara\u00e7lar\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4813\" data-end=\"5025\">Novo\u2019nun belki de en g\u00fc\u00e7l\u00fc oldu\u011fu alanlardan biri entegrasyon altyap\u0131s\u0131d\u0131r. K\u00fc\u00e7\u00fck bir i\u015fletmenin ihtiya\u00e7 duyabilece\u011fi t\u00fcm temel ara\u00e7lara ba\u011flanarak i\u015f s\u00fcre\u00e7lerini otomatize eder ve kullan\u0131c\u0131s\u0131na zaman kazand\u0131r\u0131r.<\/p>\n<h3 data-start=\"5027\" data-end=\"5059\"><span class=\"ez-toc-section\" id=\"Muhasebe_Entegrasyonlari\"><\/span><strong data-start=\"5031\" data-end=\"5059\">Muhasebe Entegrasyonlar\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"5060\" data-end=\"5275\">\n<li data-start=\"5060\" data-end=\"5128\">\n<p data-start=\"5062\" data-end=\"5128\"><strong data-start=\"5062\" data-end=\"5077\">QuickBooks:<\/strong> Harcamalar ve gelirler otomatik senkronize edilir.<\/p>\n<\/li>\n<li data-start=\"5129\" data-end=\"5195\">\n<p data-start=\"5131\" data-end=\"5195\"><strong data-start=\"5131\" data-end=\"5140\">Xero:<\/strong> Alternatif muhasebe yaz\u0131l\u0131m\u0131 entegrasyonu desteklenir.<\/p>\n<\/li>\n<li data-start=\"5196\" data-end=\"5275\">\n<p data-start=\"5198\" data-end=\"5275\"><strong data-start=\"5198\" data-end=\"5207\">Wave:<\/strong> \u00dccretsiz muhasebe i\u00e7in tercih edilen bir di\u011fer yaz\u0131l\u0131mla uyumludur.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"5277\" data-end=\"5319\"><span class=\"ez-toc-section\" id=\"E-Ticaret_ve_Odeme_Entegrasyonlari\"><\/span><strong data-start=\"5281\" data-end=\"5319\">E-Ticaret ve \u00d6deme Entegrasyonlar\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"5320\" data-end=\"5513\">\n<li data-start=\"5320\" data-end=\"5424\">\n<p data-start=\"5322\" data-end=\"5424\"><strong data-start=\"5322\" data-end=\"5358\">Stripe, PayPal, Shopify, Amazon:<\/strong> \u00d6demeler do\u011frudan Novo\u2019ya y\u00f6nlendirilerek merkezi takip sa\u011flan\u0131r.<\/p>\n<\/li>\n<li data-start=\"5425\" data-end=\"5513\">\n<p data-start=\"5427\" data-end=\"5513\">\u00d6deme ald\u0131\u011f\u0131n\u0131z kaynaklar tek ekranda g\u00f6r\u00fcn\u00fcr; bu da gelir analizlerini kolayla\u015ft\u0131r\u0131r.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"5515\" data-end=\"5540\"><span class=\"ez-toc-section\" id=\"Is_Akisi_Araclari\"><\/span><strong data-start=\"5519\" data-end=\"5540\">\u0130\u015f Ak\u0131\u015f\u0131 Ara\u00e7lar\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"5541\" data-end=\"5761\">\n<li data-start=\"5541\" data-end=\"5606\">\n<p data-start=\"5543\" data-end=\"5606\"><strong data-start=\"5543\" data-end=\"5554\">Zapier:<\/strong> Di\u011fer SaaS uygulamalar\u0131yla i\u015f ak\u0131\u015flar\u0131 kurulabilir.<\/p>\n<\/li>\n<li data-start=\"5607\" data-end=\"5679\">\n<p data-start=\"5609\" data-end=\"5679\"><strong data-start=\"5609\" data-end=\"5632\">Slack entegrasyonu:<\/strong> \u00d6deme bildirimleri Slack \u00fczerinden al\u0131nabilir.<\/p>\n<\/li>\n<li data-start=\"5680\" data-end=\"5761\">\n<p data-start=\"5682\" data-end=\"5761\"><strong data-start=\"5682\" data-end=\"5703\">Google Workspace:<\/strong> \u0130\u015fletme e-posta adresiniz ile kolay ba\u011flant\u0131 yap\u0131labilir.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5763\" data-end=\"5982\">Bu entegrasyonlar sayesinde, k\u00fc\u00e7\u00fck bir i\u015fletme yaln\u0131zca birka\u00e7 uygulamayla kurumsal d\u00fczeyde bir sistem kurabilir. \u00d6zellikle muhasebe ve m\u00fc\u015fteri \u00f6demeleri konusunda sa\u011flad\u0131\u011f\u0131 kolayl\u0131k, Novo\u2019yu rakiplerinin \u00f6n\u00fcne ge\u00e7irir.<\/p>\n<h2 data-start=\"173\" data-end=\"222\"><span class=\"ez-toc-section\" id=\"Mobil_Uygulama_ve_Kullanici_Deneyimi\"><\/span><strong data-start=\"176\" data-end=\"222\">Mobil Uygulama ve Kullan\u0131c\u0131 Deneyimi ????<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"224\" data-end=\"558\">Novo\u2019nun sundu\u011fu en g\u00fc\u00e7l\u00fc avantajlardan biri, mobil uygulama deneyiminin sadelik ve i\u015flevsellik ekseninde ba\u015far\u0131l\u0131 bir denge kurmas\u0131d\u0131r. iOS ve Android i\u015fletim sistemleri i\u00e7in geli\u015ftirilmi\u015f uygulamalar sayesinde kullan\u0131c\u0131lar, i\u015fletme hesaplar\u0131na her yerden eri\u015febilir, t\u00fcm bankac\u0131l\u0131k i\u015flemlerini birka\u00e7 t\u0131klama ile ger\u00e7ekle\u015ftirebilir.<\/p>\n<p data-start=\"560\" data-end=\"859\">Uygulama aray\u00fcz\u00fc son derece temiz ve kullan\u0131c\u0131 dostudur. Uygulaman\u0131n ana ekran\u0131; hesap bakiyesini, gelen ve giden transferleri, harcama kategorilerini ve son etkinlikleri sade bir bi\u00e7imde sunar. Karma\u015f\u0131k grafikler ya da fazla sekme yerine, minimal ama bilgi dolu bir tasar\u0131m anlay\u0131\u015f\u0131 benimsenmi\u015ftir.<\/p>\n<h3 data-start=\"861\" data-end=\"890\"><span class=\"ez-toc-section\" id=\"One_Cikan_Ozellikler\"><\/span><strong data-start=\"865\" data-end=\"890\">\u00d6ne \u00c7\u0131kan \u00d6zellikler:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"891\" data-end=\"1394\">\n<li data-start=\"891\" data-end=\"985\">\n<p data-start=\"893\" data-end=\"985\"><strong data-start=\"893\" data-end=\"912\">Para Transferi:<\/strong> ACH \u00fczerinden an\u0131nda ya da ileri tarihli transfer i\u015flemleri yap\u0131labilir.<\/p>\n<\/li>\n<li data-start=\"986\" data-end=\"1077\">\n<p data-start=\"988\" data-end=\"1077\"><strong data-start=\"988\" data-end=\"1005\">Fatura \u00d6deme:<\/strong> Tek seferlik ya da tekrarlayan fatura \u00f6demeleri otomatikle\u015ftirilebilir.<\/p>\n<\/li>\n<li data-start=\"1078\" data-end=\"1196\">\n<p data-start=\"1080\" data-end=\"1196\"><strong data-start=\"1080\" data-end=\"1096\">Bildirimler:<\/strong> Giden\/gelen para, d\u00fc\u015f\u00fck bakiye, ba\u015far\u0131s\u0131z i\u015flem gibi durumlar i\u00e7in anl\u0131k bildirim sistemi aktiftir.<\/p>\n<\/li>\n<li data-start=\"1197\" data-end=\"1300\">\n<p data-start=\"1199\" data-end=\"1300\"><strong data-start=\"1199\" data-end=\"1218\">Harcama Takibi:<\/strong> Harcamalar otomatik olarak kategorilere ayr\u0131l\u0131r, b\u00f6ylece b\u00fct\u00e7e takibi kolayla\u015f\u0131r.<\/p>\n<\/li>\n<li data-start=\"1301\" data-end=\"1394\">\n<p data-start=\"1303\" data-end=\"1394\"><strong data-start=\"1303\" data-end=\"1328\">Sanal kart olu\u015fturma:<\/strong> Yeni kartlar olu\u015fturabilir, diledi\u011finiz anda iptal edebilirsiniz.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1396\" data-end=\"1532\">Mobil uygulama sayesinde k\u00fc\u00e7\u00fck i\u015fletme sahipleri veya freelancerlar, i\u015flerini bilgisayar ba\u015f\u0131nda olmadan da tam kapasiteyle y\u00f6netebilir.<\/p>\n<h2 data-start=\"1539\" data-end=\"1580\"><span class=\"ez-toc-section\" id=\"Sanal_ve_Fiziksel_Novo_Karti\"><\/span><strong data-start=\"1542\" data-end=\"1580\">Sanal ve Fiziksel Novo Kart\u0131 ????<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1582\" data-end=\"1765\">Novo hesab\u0131 a\u00e7an her kullan\u0131c\u0131, hem fiziksel hem de sanal bir <strong data-start=\"1644\" data-end=\"1658\">Mastercard<\/strong> kart\u0131na sahip olur. Bu kartlar, i\u015fletme harcamalar\u0131n\u0131n ayr\u0131\u015ft\u0131r\u0131lmas\u0131n\u0131 ve takip edilmesini kolayla\u015ft\u0131r\u0131r.<\/p>\n<h3 data-start=\"1767\" data-end=\"1789\"><span class=\"ez-toc-section\" id=\"Fiziksel_Kart\"><\/span><strong data-start=\"1771\" data-end=\"1789\">Fiziksel Kart:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1790\" data-end=\"2099\">Novo fiziksel kart\u0131, Mastercard a\u011f\u0131 \u00fczerinden d\u00fcnya genelinde kullan\u0131labilir. POS cihazlar\u0131ndan \u00f6deme yapabilir, yurt i\u00e7i ve yurt d\u0131\u015f\u0131 al\u0131\u015fveri\u015flerde rahatl\u0131kla kullanabilirsiniz. Nakit para \u00e7ekimi i\u00e7in herhangi bir ATM kullan\u0131labilir; Novo bu i\u015flemlerde \u00fc\u00e7\u00fcnc\u00fc taraf ATM \u00fccretlerini kar\u015f\u0131lamay\u0131 taahh\u00fct eder.<\/p>\n<h3 data-start=\"2101\" data-end=\"2120\"><span class=\"ez-toc-section\" id=\"Sanal_Kart\"><\/span><strong data-start=\"2105\" data-end=\"2120\">Sanal Kart:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2121\" data-end=\"2409\">Sanal kart, internet al\u0131\u015fveri\u015flerinde ekstra g\u00fcvenlik sunar. Herhangi bir fiziksel ta\u015f\u0131ma gerektirmez ve mobil uygulama \u00fczerinden birka\u00e7 saniyede olu\u015fturulabilir. Dilerseniz bu kartlar\u0131 bir proje veya abonelik i\u00e7in \u00f6zel olarak tan\u0131mlayabilir, kullanmad\u0131\u011f\u0131n\u0131zda an\u0131nda iptal edebilirsiniz.<\/p>\n<h3 data-start=\"2411\" data-end=\"2440\"><span class=\"ez-toc-section\" id=\"Guvenlik_Ozellikleri\"><\/span><strong data-start=\"2415\" data-end=\"2440\">G\u00fcvenlik \u00d6zellikleri:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"2441\" data-end=\"2605\">\n<li data-start=\"2441\" data-end=\"2487\">\n<p data-start=\"2443\" data-end=\"2487\">Uygulama \u00fczerinden kart\u0131 dondurma\/aktif etme<\/p>\n<\/li>\n<li data-start=\"2488\" data-end=\"2514\">\n<p data-start=\"2490\" data-end=\"2514\">Harcama limiti belirleme<\/p>\n<\/li>\n<li data-start=\"2515\" data-end=\"2568\">\n<p data-start=\"2517\" data-end=\"2568\">Bildirim sistemi ile her i\u015flem sonras\u0131 an\u0131nda uyar\u0131<\/p>\n<\/li>\n<li data-start=\"2569\" data-end=\"2605\">\n<p data-start=\"2571\" data-end=\"2605\">Yeni kart talebi ve adres y\u00f6netimi<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2607\" data-end=\"2734\">Kart y\u00f6netimi s\u00fcrecinin tamam\u0131 mobil uygulama \u00fczerinden y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fc i\u00e7in hem h\u0131z hem de kontrol a\u00e7\u0131s\u0131ndan olduk\u00e7a avantajl\u0131d\u0131r.<\/p>\n<h2 data-start=\"2741\" data-end=\"2787\"><span class=\"ez-toc-section\" id=\"Para_Alma_ve_Gonderme_Secenekleri\"><\/span><strong data-start=\"2744\" data-end=\"2787\">Para Alma ve G\u00f6nderme Se\u00e7enekleri ????<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2789\" data-end=\"2942\">Novo, i\u015f d\u00fcnyas\u0131nda yayg\u0131n olarak kullan\u0131lan bir\u00e7ok \u00f6deme altyap\u0131s\u0131yla entegre \u00e7al\u0131\u015farak, hem \u00f6deme alma hem de \u00f6deme g\u00f6nderme s\u00fcre\u00e7lerini kolayla\u015ft\u0131r\u0131r.<\/p>\n<h3 data-start=\"2944\" data-end=\"2962\"><span class=\"ez-toc-section\" id=\"Para_Alma\"><\/span><strong data-start=\"2948\" data-end=\"2962\">Para Alma:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"2963\" data-end=\"3385\">\n<li data-start=\"2963\" data-end=\"3133\">\n<p data-start=\"2965\" data-end=\"3133\"><strong data-start=\"2965\" data-end=\"2986\">ACH Transferleri:<\/strong> M\u00fc\u015fterilerinizden \u00fccretsiz olarak \u00f6deme alabilirsiniz. Size \u00f6zel tan\u0131mlanan routing ve account numaralar\u0131yla do\u011frudan banka transferi yap\u0131labilir.<\/p>\n<\/li>\n<li data-start=\"3134\" data-end=\"3280\">\n<p data-start=\"3136\" data-end=\"3280\"><strong data-start=\"3136\" data-end=\"3170\">Stripe ve PayPal Entegrasyonu:<\/strong> Hesab\u0131n\u0131z\u0131 bu platformlara ba\u011flayarak \u00f6deme al\u0131mlar\u0131n\u0131z\u0131 tek panelde g\u00f6r\u00fcnt\u00fcleyebilir ve takip edebilirsiniz.<\/p>\n<\/li>\n<li data-start=\"3281\" data-end=\"3385\">\n<p data-start=\"3283\" data-end=\"3385\"><strong data-start=\"3283\" data-end=\"3307\">Check Mobilizasyonu:<\/strong> Gelen \u00e7ekleri mobil uygulama \u00fczerinden taratarak hesab\u0131n\u0131za yat\u0131rabilirsiniz.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3387\" data-end=\"3409\"><span class=\"ez-toc-section\" id=\"Para_Gonderme\"><\/span><strong data-start=\"3391\" data-end=\"3409\">Para G\u00f6nderme:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"3410\" data-end=\"3638\">\n<li data-start=\"3410\" data-end=\"3509\">\n<p data-start=\"3412\" data-end=\"3509\"><strong data-start=\"3412\" data-end=\"3439\">Yurti\u00e7i Banka Havalesi:<\/strong> ABD i\u00e7indeki herhangi bir bankaya ACH veya Wire transfer yap\u0131labilir.<\/p>\n<\/li>\n<li data-start=\"3510\" data-end=\"3638\">\n<p data-start=\"3512\" data-end=\"3638\"><strong data-start=\"3512\" data-end=\"3552\">Tek Seferlik veya Otomatik \u00d6demeler:<\/strong> D\u00fczenli \u00e7al\u0131\u015fan \u00f6demeleri, fatura ve tedarik\u00e7i \u00f6demeleri otomatik hale getirilebilir.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3640\" data-end=\"3670\"><span class=\"ez-toc-section\" id=\"Uluslararasi_Islemler\"><\/span><strong data-start=\"3644\" data-end=\"3670\">Uluslararas\u0131 \u0130\u015flemler:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"3671\" data-end=\"3998\">Novo, do\u011frudan d\u00f6viz transferi hizmeti sunmasa da <strong data-start=\"3721\" data-end=\"3756\">Wise (eski ad\u0131yla TransferWise)<\/strong> ile entegre \u015fekilde \u00e7al\u0131\u015f\u0131r. Bu sayede uluslararas\u0131 para transferlerini d\u00fc\u015f\u00fck komisyonlarla h\u0131zl\u0131 bi\u00e7imde ger\u00e7ekle\u015ftirebilirsiniz. Bu i\u015f birli\u011fi sayesinde Novo kullan\u0131c\u0131lar\u0131, Wise hesab\u0131 olu\u015fturmadan da uluslararas\u0131 \u00f6demeleri tamamlayabilir.<\/p>\n<h2 data-start=\"4005\" data-end=\"4047\"><span class=\"ez-toc-section\" id=\"Novonun_Artilari_ve_Eksileri_%E2%9A%96%EF%B8%8F\"><\/span><strong data-start=\"4008\" data-end=\"4047\">Novo\u2019nun Art\u0131lar\u0131 ve Eksileri \u2696\ufe0f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4049\" data-end=\"4250\">Her ne kadar Novo, modern ve dijital odakl\u0131 bir banka olarak bir\u00e7ok avantaja sahip olsa da, baz\u0131 dezavantajlar\u0131 da g\u00f6z \u00f6n\u00fcnde bulundurmak gerekir. \u0130\u015fte Novo\u2019nun en s\u0131k \u00f6ne \u00e7\u0131kan g\u00fc\u00e7l\u00fc ve zay\u0131f y\u00f6nleri:<\/p>\n<h3 data-start=\"4252\" data-end=\"4271\"><span class=\"ez-toc-section\" id=\"Artilari\"><\/span><strong data-start=\"4258\" data-end=\"4271\">Art\u0131lar\u0131:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"4272\" data-end=\"4815\">\n<li data-start=\"4272\" data-end=\"4376\">\n<p data-start=\"4274\" data-end=\"4376\"><strong data-start=\"4274\" data-end=\"4296\">\u00dccretsiz Kullan\u0131m:<\/strong> Ayl\u0131k hesap \u00fccreti, minimum bakiye zorunlulu\u011fu ya da gizli i\u015flem \u00fccreti yoktur.<\/p>\n<\/li>\n<li data-start=\"4377\" data-end=\"4439\">\n<p data-start=\"4379\" data-end=\"4439\"><strong data-start=\"4379\" data-end=\"4397\">Kolay Ba\u015fvuru:<\/strong> Hesap a\u00e7\u0131l\u0131\u015f\u0131 tamamen online ve h\u0131zl\u0131d\u0131r.<\/p>\n<\/li>\n<li data-start=\"4440\" data-end=\"4527\">\n<p data-start=\"4442\" data-end=\"4527\"><strong data-start=\"4442\" data-end=\"4477\">K\u00fc\u00e7\u00fck \u0130\u015fletmelere \u00d6zel Tasar\u0131m:<\/strong> Aray\u00fcz, i\u015f ihtiya\u00e7lar\u0131na g\u00f6re \u00f6zelle\u015ftirilmi\u015ftir.<\/p>\n<\/li>\n<li data-start=\"4528\" data-end=\"4638\">\n<p data-start=\"4530\" data-end=\"4638\"><strong data-start=\"4530\" data-end=\"4556\">Zengin Entegrasyonlar:<\/strong> QuickBooks, Shopify, Stripe gibi pop\u00fcler ara\u00e7larla do\u011frudan ba\u011flant\u0131 kurulabilir.<\/p>\n<\/li>\n<li data-start=\"4639\" data-end=\"4724\">\n<p data-start=\"4641\" data-end=\"4724\"><strong data-start=\"4641\" data-end=\"4664\">M\u00fc\u015fteri Hizmetleri:<\/strong> Canl\u0131 destek ve yard\u0131m merkezi olduk\u00e7a kullan\u0131c\u0131 odakl\u0131d\u0131r.<\/p>\n<\/li>\n<li data-start=\"4725\" data-end=\"4815\">\n<p data-start=\"4727\" data-end=\"4815\"><strong data-start=\"4727\" data-end=\"4750\">ATM Masraf\u0131 \u0130adesi:<\/strong> Herhangi bir ATM\u2019den \u00e7ekim yap\u0131labilir, masraf iadesi al\u0131rs\u0131n\u0131z.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"4817\" data-end=\"4836\"><span class=\"ez-toc-section\" id=\"Eksileri\"><\/span><strong data-start=\"4823\" data-end=\"4836\">Eksileri:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"4837\" data-end=\"5141\">\n<li data-start=\"4837\" data-end=\"4935\">\n<p data-start=\"4839\" data-end=\"4935\"><strong data-start=\"4839\" data-end=\"4868\">Nakit Yat\u0131rma \u0130mkan\u0131 Yok:<\/strong> Fiziksel \u015fubesi olmad\u0131\u011f\u0131ndan elden nakit yat\u0131rmak m\u00fcmk\u00fcn de\u011fildir.<\/p>\n<\/li>\n<li data-start=\"4936\" data-end=\"5026\">\n<p data-start=\"4938\" data-end=\"5026\"><strong data-start=\"4938\" data-end=\"4974\">Yaln\u0131zca ABD Merkezli \u015eirketler:<\/strong> Hesap yaln\u0131zca ABD&#8217;de kurulmu\u015f i\u015fletmelere verilir.<\/p>\n<\/li>\n<li data-start=\"5027\" data-end=\"5141\">\n<p data-start=\"5029\" data-end=\"5141\"><strong data-start=\"5029\" data-end=\"5066\">Uluslararas\u0131 Transferler S\u0131n\u0131rl\u0131:<\/strong> Do\u011frudan d\u00f6viz hesab\u0131 sunmaz; sadece Wise entegrasyonu ile \u00e7\u00f6z\u00fcm sa\u011flan\u0131r.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5143\" data-end=\"5325\">Bu y\u00f6nleriyle Novo, \u00f6zellikle dijital i\u015f y\u00fcr\u00fcten ya da nakit i\u015f yapmayan i\u015fletmeler i\u00e7in idealdir. Ancak fiziksel ma\u011faza i\u015fleten veya s\u0131k nakit kullananlar i\u00e7in s\u0131n\u0131rlay\u0131c\u0131 olabilir.<\/p>\n<h2 data-start=\"5332\" data-end=\"5422\"><span class=\"ez-toc-section\" id=\"Novo_Alternatifleri_ile_Karsilastirma\"><\/span><strong data-start=\"5335\" data-end=\"5422\">Novo Alternatifleri ile Kar\u015f\u0131la\u015ft\u0131rma<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5424\" data-end=\"5620\">Dijital bankac\u0131l\u0131k ekosistemi h\u0131zla b\u00fcy\u00fcrken, Novo da bu alan\u0131n \u00f6nemli oyuncular\u0131ndan biri olarak \u00f6ne \u00e7\u0131k\u0131yor. Ancak sekt\u00f6rde yaln\u0131z de\u011fil. \u0130\u015fte Novo\u2019nun benzer dijital bankalarla kar\u015f\u0131la\u015ft\u0131rmas\u0131:<\/p>\n<div class=\"_tableContainer_16hzy_1\">\n<div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"5622\" data-end=\"7274\">\n<thead data-start=\"5622\" data-end=\"5803\">\n<tr data-start=\"5622\" data-end=\"5803\">\n<th data-start=\"5622\" data-end=\"5644\" data-col-size=\"sm\">\u00d6zellikler<\/th>\n<th data-start=\"5644\" data-end=\"5676\" data-col-size=\"sm\"><strong data-start=\"5646\" data-end=\"5654\">Novo<\/strong><\/th>\n<th data-start=\"5676\" data-end=\"5708\" data-col-size=\"sm\"><a href=\"https:\/\/birkanulusoy.com\/tr\/mercury-nedir\/\"><strong data-start=\"5678\" data-end=\"5689\">Mercury<\/strong><\/a><\/th>\n<th data-start=\"5708\" data-end=\"5740\" data-col-size=\"sm\"><a href=\"https:\/\/birkanulusoy.com\/tr\/wise-nedir\/\"><strong data-start=\"5710\" data-end=\"5718\">Wise<\/strong><\/a><\/th>\n<th data-start=\"5740\" data-end=\"5771\" data-col-size=\"sm\"><a href=\"https:\/\/birkanulusoy.com\/tr\/revolut-nedir\/\"><strong data-start=\"5742\" data-end=\"5762\">Revolut<\/strong><\/a><\/th>\n<th data-start=\"5771\" data-end=\"5803\" data-col-size=\"sm\"><a href=\"https:\/\/birkanulusoy.com\/tr\/payoneer-nedir\/\"><strong data-start=\"5773\" data-end=\"5785\">Payoneer<\/strong><\/a><\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"5988\" data-end=\"7274\">\n<tr data-start=\"5988\" data-end=\"6170\">\n<td data-start=\"5988\" data-end=\"6010\" data-col-size=\"sm\">Ayl\u0131k \u00dccret<\/td>\n<td data-start=\"6010\" data-end=\"6042\" data-col-size=\"sm\">Yok<\/td>\n<td data-start=\"6042\" data-end=\"6074\" data-col-size=\"sm\">Yok<\/td>\n<td data-start=\"6074\" data-end=\"6106\" data-col-size=\"sm\">Yok<\/td>\n<td data-start=\"6106\" data-end=\"6137\" data-col-size=\"sm\">\u00dccretsiz\/\u00dccretli planlar<\/td>\n<td data-start=\"6137\" data-end=\"6170\" data-col-size=\"sm\">Yok<\/td>\n<\/tr>\n<tr data-start=\"6171\" data-end=\"6354\">\n<td data-start=\"6171\" data-end=\"6193\" data-col-size=\"sm\">ABD \u015eirketi \u015eart\u0131<\/td>\n<td data-start=\"6193\" data-end=\"6225\" data-col-size=\"sm\">Evet<\/td>\n<td data-start=\"6225\" data-end=\"6257\" data-col-size=\"sm\">Evet<\/td>\n<td data-start=\"6257\" data-end=\"6289\" data-col-size=\"sm\">Hay\u0131r<\/td>\n<td data-start=\"6289\" data-end=\"6321\" data-col-size=\"sm\">Hay\u0131r<\/td>\n<td data-start=\"6321\" data-end=\"6354\" data-col-size=\"sm\">Hay\u0131r<\/td>\n<\/tr>\n<tr data-start=\"6355\" data-end=\"6538\">\n<td data-start=\"6355\" data-end=\"6379\" data-col-size=\"sm\">Uluslararas\u0131 Transfer<\/td>\n<td data-start=\"6379\" data-end=\"6410\" data-col-size=\"sm\">Wise entegrasyonu<\/td>\n<td data-start=\"6410\" data-end=\"6442\" data-col-size=\"sm\">Wise &amp; SWIFT deste\u011fi<\/td>\n<td data-start=\"6442\" data-end=\"6474\" data-col-size=\"sm\">Ana hizmeti<\/td>\n<td data-start=\"6474\" data-end=\"6505\" data-col-size=\"sm\">\u00c7oklu d\u00f6viz hesab\u0131<\/td>\n<td data-start=\"6505\" data-end=\"6538\" data-col-size=\"sm\">\u00c7oklu d\u00f6viz + kart<\/td>\n<\/tr>\n<tr data-start=\"6539\" data-end=\"6722\">\n<td data-start=\"6539\" data-end=\"6561\" data-col-size=\"sm\">Nakit Yat\u0131rma<\/td>\n<td data-start=\"6561\" data-end=\"6593\" data-col-size=\"sm\">Yok<\/td>\n<td data-start=\"6593\" data-end=\"6625\" data-col-size=\"sm\">Yok<\/td>\n<td data-start=\"6625\" data-end=\"6657\" data-col-size=\"sm\">Yok<\/td>\n<td data-start=\"6657\" data-end=\"6689\" data-col-size=\"sm\">K\u0131s\u0131tl\u0131<\/td>\n<td data-start=\"6689\" data-end=\"6722\" data-col-size=\"sm\">K\u0131s\u0131tl\u0131<\/td>\n<\/tr>\n<tr data-start=\"6723\" data-end=\"6906\">\n<td data-start=\"6723\" data-end=\"6745\" data-col-size=\"sm\">Kart Hizmeti<\/td>\n<td data-start=\"6745\" data-end=\"6777\" data-col-size=\"sm\">Sanal + Fiziksel Mastercard<\/td>\n<td data-start=\"6777\" data-end=\"6809\" data-col-size=\"sm\">Sanal + Fiziksel<\/td>\n<td data-start=\"6809\" data-end=\"6841\" data-col-size=\"sm\">Sanal<\/td>\n<td data-start=\"6841\" data-end=\"6873\" data-col-size=\"sm\">Sanal + Fiziksel<\/td>\n<td data-start=\"6873\" data-end=\"6906\" data-col-size=\"sm\">Mastercard<\/td>\n<\/tr>\n<tr data-start=\"6907\" data-end=\"7090\">\n<td data-start=\"6907\" data-end=\"6929\" data-col-size=\"sm\">Entegrasyonlar<\/td>\n<td data-start=\"6929\" data-end=\"6961\" data-col-size=\"sm\">Geni\u015f (Shopify, Zapier vs.)<\/td>\n<td data-start=\"6961\" data-end=\"6993\" data-col-size=\"sm\">Geli\u015ftirici dostu API<\/td>\n<td data-start=\"6993\" data-end=\"7025\" data-col-size=\"sm\">Orta d\u00fczey<\/td>\n<td data-start=\"7025\" data-end=\"7057\" data-col-size=\"sm\">Orta d\u00fczey<\/td>\n<td data-start=\"7057\" data-end=\"7090\" data-col-size=\"sm\">D\u00fc\u015f\u00fck<\/td>\n<\/tr>\n<tr data-start=\"7091\" data-end=\"7274\">\n<td data-start=\"7091\" data-end=\"7113\" data-col-size=\"sm\">Hedef Kitle<\/td>\n<td data-start=\"7113\" data-end=\"7145\" data-col-size=\"sm\">KOB\u0130, freelancer, e-ticaret<\/td>\n<td data-start=\"7145\" data-end=\"7176\" data-col-size=\"sm\">Startuplar ve geli\u015ftiriciler<\/td>\n<td data-start=\"7176\" data-end=\"7208\" data-col-size=\"sm\">Serbest \u00e7al\u0131\u015fan, bireysel<\/td>\n<td data-start=\"7208\" data-end=\"7239\" data-col-size=\"sm\">KOB\u0130 ve giri\u015fimler<\/td>\n<td data-start=\"7239\" data-end=\"7274\" data-col-size=\"sm\">Freelancer ve dijital sat\u0131c\u0131lar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\">\n<div class=\"absolute end-0 flex items-end\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 data-start=\"7276\" data-end=\"7310\"><span class=\"ez-toc-section\" id=\"Hangi_Durumda_Hangi_Banka\"><\/span><strong data-start=\"7280\" data-end=\"7310\">Hangi Durumda Hangi Banka?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"7311\" data-end=\"7577\">\n<li data-start=\"7311\" data-end=\"7389\">\n<p data-start=\"7313\" data-end=\"7389\">Dijital i\u015fletme ve e-ticaret yapan biriyseniz: Novo veya Mercury<\/p>\n<\/li>\n<li data-start=\"7390\" data-end=\"7460\">\n<p data-start=\"7392\" data-end=\"7460\">Uluslararas\u0131 \u00f6deme \u00f6nceli\u011finiz varsa: Wise veya Payoneer<\/p>\n<\/li>\n<li data-start=\"7461\" data-end=\"7519\">\n<p data-start=\"7463\" data-end=\"7519\">\u00c7oklu para birimi y\u00f6netmek istiyorsan\u0131z: Revolut<\/p>\n<\/li>\n<li data-start=\"7520\" data-end=\"7577\">\n<p data-start=\"7522\" data-end=\"7577\">SaaS API ile \u00f6zelle\u015ftirme yapacaksan\u0131z: Mercury<\/p>\n<\/li>\n<li data-start=\"7520\" data-end=\"7577\">\n<p data-start=\"7522\" data-end=\"7577\"><strong style=\"font-size: 24px; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', 'Open Sans', Arial, sans-serif;\" data-start=\"7590\" data-end=\"7626\">Novo Sizin \u0130\u00e7in Uygun mu?<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"7628\" data-end=\"7968\">E\u011fer Amerika&#8217;da kurulmu\u015f bir i\u015fletmeniz varsa ve i\u015fletmenizi dijital ortamda y\u00fcr\u00fct\u00fcyorsan\u0131z, <strong data-start=\"7721\" data-end=\"7729\">Novo<\/strong> sundu\u011fu sade aray\u00fcz, \u00fccret politikas\u0131 ve entegre yap\u0131s\u0131yla m\u00fckemmel bir ba\u015flang\u0131\u00e7 noktas\u0131 sunar. Ancak s\u0131k nakit i\u015flemi yap\u0131yorsan\u0131z ya da d\u00f6viz bazl\u0131 \u00e7al\u0131\u015f\u0131yorsan\u0131z, Novo\u2019yu alternatiflerle birlikte de\u011ferlendirmeniz daha do\u011fru olacakt\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Novo Bank Nedir? Son y\u0131llarda finansal hizmetlerde ya\u015fanan dijital d\u00f6n\u00fc\u015f\u00fcm, \u00f6zellikle k\u00fc\u00e7\u00fck i\u015fletme sahipleri ve serbest \u00e7al\u0131\u015fanlar i\u00e7in \u00e7ok daha eri\u015filebilir ve esnek \u00e7\u00f6z\u00fcmler sundu. Bu d\u00f6n\u00fc\u015f\u00fcm\u00fcn \u00f6nemli temsilcilerinden biri olan Novo Bank, geleneksel bankac\u0131l\u0131\u011f\u0131n hantall\u0131\u011f\u0131n\u0131 ortadan kald\u0131rmak i\u00e7in geli\u015ftirilmi\u015f, tamamen dijital bir i\u015f bankac\u0131l\u0131\u011f\u0131 platformudur. Novo, 2016 y\u0131l\u0131nda Amerika Birle\u015fik Devletleri\u2019nde kurulmu\u015f ve \u00f6zellikle &hellip;<\/p>\n","protected":false},"author":1,"featured_media":2055,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":["post-2054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-odeme-sistemleri"],"_links":{"self":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts\/2054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/comments?post=2054"}],"version-history":[{"count":1,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts\/2054\/revisions"}],"predecessor-version":[{"id":2056,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/posts\/2054\/revisions\/2056"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/media\/2055"}],"wp:attachment":[{"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/media?parent=2054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/categories?post=2054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/birkanulusoy.com\/tr\/wp-json\/wp\/v2\/tags?post=2054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}