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Tired of jumping through multiple loops to get something done at your local bank? Confused by financial lingo? NiyoX is here to decode banking for you with an intuitive, easy-to-use app and a 2-in-1 Savings + Wealth account. Opening your digital savings account with NiyoX is fast, efficient, can be done from wherever you happen to be, and is 100% paperless. Banking with NiyoX is quick and easy since we’re here to make things simple, safe and smart and put you in charge of your finances. 
Our 2-in-1 Savings and Wealth account is the perfect place to start if you’re looking to open a zero balance savings account. Why? Because with NiyoX you get best interest rates on savings and free online fund transfers. We offer you the financial trinity of ₹0 Account Maintenance Charges, 0% commission on Mutual Funds investment, and up to 7% interest p.a.* on your savings to add a touch of 007 to your finances. Our wealth offering, powered by Niyo Money, will help you get started on your investment journey so that your money works for you!

How NiyoX puts the ‘X’ in neobanking:

* 2-in-1 Savings and Wealth Account•
* Virtual Debit Card that helps you start making online transactions as soon as you open your account
* Card locks and limits that help you control expenses via different payment channels (ATM, card swipes, online, international)
* Tap & Pay feature and ZERO Forex markup
* ‘Invest the Change’ feature that lets you save while you spend by investing your spare change
* Exclusive onboarding deals and regular rewards
* Wave feature that hides your account balance when you wave your hand over it to keep it safe from prying eyes
* In-app support and online Community forum to get answers and share feedback

Preparing the Best Financial Dish:
Prep time: Less than 10 minutes
Difficulty: Easier than roasting papad
Serves: As many as you want
* 1 Gen X User who wants simple digital banking
* Aadhaar

Recipe for Online Savings Account Opening:
1. Download the NiyoX App
2. Enter your phone number (should be the one linked to your Aadhaar)
3. Enter your PAN and Aadhaar number
4. Enter basic personal details
5. Easy management of finances is served 

Benefits with your NiyoX Savings Account:
* ₹0 Balance Account

* 0% Commission on Mutual Funds Investments

* Up to 7% interest on your savings

* Invest in domestic and international stocks and get useful mutual funds recommendations via Niyo Money

* Auto-invest spare change every time you spend with ‘Invest the Change’

* ₹5,00,000 insurance for your funds by DICGC, a subsidiary of RBI 

* Choice of designs for a Platinum VISA Debit Card

* Earn Equinox reward points every time you spend

Digital Banking Services with a human touch
Digitization has brought the entire world to our smartphones, so it’s only logical that your finances follow suit. Why should there be a need to go to a bank and wait in queues, carry a folder full of documents and fill out complicated paperwork when you can manage your finances from the comfort of your home? This is one of the pain points that NiyoX solves for the modern banker who should have everything at their disposal at a moment’s notice.

Although there is no physical branch, your money is always available for you and is kept secure in your Equitas Small Finance Bank account. If you need help, we are always there to assist you and can be reached at the touch of a button. We use strong encryption protocols to keep your funds safe.  

Terms and Conditions: https://static.goniyo.com/legal/Terms_conditions.pdf 

What’s New

Version 1.0.35

It's festive season, and we're cleaning up our house too with this update!

Alsooo before we go, have you checked out our new Invest the Change feature? We really recommend you try it. Saving that extra bit of money might just come in handy for that end-of-year shopping ;-)

Ratings and Reviews

3.8 out of 5
582 Ratings

582 Ratings

shyam darshan das ,

Bring Dark mode pls 🙏🏻🙏🏻🙏🏻

The app it self is good and feel modern, I would looking for that kind of app.
Usually bank apps are very boring and very retarded this one is very good but only thing missing is dark mode, I have already posted in the forum also regarding this but still no update about dark mode.
If there is no dark mode then we can assume that this app should not be used at night because of the white content in the app, please inform me when is this feature going to launch

Developer Response ,

Hey Shyam! We are delighted to know that you liked the look and feel of the app. Our team is working round the clock on your feedback and suggestions to improve further and bring in new & exciting features that cater to your needs. We have passed your feedback to our product team as well and we will surely try to get the dark mode for you in the upcoming updates. Stay tuned! LK

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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