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"#DecodeBanking with NiyoX

Say Hi to NiyoX.

We’ve decoded banking by removing all the common clutter and confusion to provide you with a simpler, safer, and smarter personal banking experience.

From our 7%, industry-best interest* rates on Savings to Zero Commission on Mutual Funds,
your 2-in-1 NiyoX Savings and Wealth account boasts features that'll get you spoiled for choice.

That's not all.

Here's what we've got in store
- 0 balance Savings Account
- 0% commission on Mutual Funds Investment on the NiyoX App
- 7% interest* rates p.a. on your savings
- Digital Savings Account and Wealth Account in one
- Instant Account Opening
- Virtual Card + Visa Platinum Debit Card with design of your choice
- World class mobile banking app interface

This is not just a bank account, it's next-gen banking - packed with power and backed with convenience.

Download NiyoX now.

1. NiyoX is a 2-in-1 platform: the Savings Account is powered by Equitas Small Finance Bank while the Wealth Account is powered by Niyo Money.
2. Avail your 1st year free VISA Platinum Debit Card before 30th June 2021 post which the card is chargeable at Rs.150 + taxes per year.
*For balances above ₹1 L, up to ₹1 Cr in your NiyoX Equitas Small Finance Bank Savings Account"

What’s New

Version 1.0.22

We squashed a lot of bugs and made a few small changes.

Ratings and Reviews

4.3 out of 5
595 Ratings

595 Ratings

Psychodaniel ,


So I have been using this app for past 2 weeks, and I would say I’m pretty impressed with this app. The account opening process was very easy. And the next day I completed my KYC and after one will I got my debit card.
Everything is smooth. Very good app interface . There is no DARK MODE. And in this 2021 this is one of the lacking feature. Everything except that is amazing.

Tee@20 ,

KYC never got done! Poor service! Poor app interface!

I created my account with NiyoX on June 28 and the KYC was scheduled the next working day. The executive who came down showed up 3 hours after the time we had agreed to and even scheduled on call. On his unplanned visit later, I requested that he return after half an hour as I was in a meeting to which he said that the KYC won’t happen if you don’t get it done now- looks like the man was right and I’m stuck with half KYC done here. Again with some negotiation he promised he’ll revisit in half an hour but he ended up cancelling the KYC in entirety I suppose! It’s been over two weeks now and I’ve not heard anything.

Also, the app interface has locked me out because they require a password change but if you have Face ID, it would only keep refreshing in a loop with no option to let you change it.

So registering here is just a waste of time and I’d advise against it!

Developer Response ,

Hey there! We deeply regret the inconvenience. Allow us to get this checked for you. We'd need few details to investigate your case & for that we ask you to fill the form link: https://niyo-x.co/3cNiz6G. We assure you that we will do our best to complete the verification of your account at the earliest. LK

Sabsebadakhiladi ,

Good attempt, lot to catch up

Liked the fresh approach towards User experience and a fresh design for a banking app. Designed much, much better than most banking apps but Digibank by DBS is still the simplest, easiest and the best. NiyoX is very buggy though. Transaction statement doesn’t refresh at all. Customer support recommended me to login to equitas instead. Mutual fund transaction failed multiple times, finally gave up and finally did transaction through INDmoney. Mutual funds imported after a couple of tries but don’t refresh any transactions. Still waiting for cashbacks. Customer support has logged a ticket.

7% interest rate got me to Digibank by DBS but the experience kept me there even after interest rate dropped. 7% interest has got me to NiyoX, not sure if I will stay after the interest rate drops. I know early days. Good attempt. Keep improving.

Developer Response ,

Hey there! Thank you for taking the time to rate & review us. Our team is constantly working on our customers' feedback to improve further and we are always trying to add more features to make the app more user-friendly. We'd like to connect with you for taking this up further and understand what best we can do. Just fill in the form through the link: https://niyo-x.co/3cNiz6G and we will take this up! LK

App Privacy

The developer, Niyo Solutions Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Collected

The developer does not collect any data from this app.

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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