Niyo: Global cards for travel 4+
Card & Digital Savings Account
Niyo Solutions Inc
-
- Free
iPhone Screenshots
Description
Niyo Card With Zero Forex Charges
1M+ Customers | Works in 180 Countries|UPI Payments
The Niyo card is the only international credit and debit card you’ll need to make international payments without paying any forex charges. It is perfect for leisure & business travellers, as well as students studying abroad. Zero forex markup* Niyo cards are delivered in just 3-5 days. Niyo cards are better than regular travel forex cards for international travellers.
Why choose Niyo?
Zero forex markup* on all international transactions
Add money in INR & use in 180 countries
Card delivery in 3 days
Coins: Unique rewards program
UPI payments with Niyo Pay
Nearby ATM Locator to withdraw cash globally
Currency Converter for live forex rates
Instant Cash: Credit up to ₹3 lakh in just 4 minutes
Track Employees’ Provident Fund (EPF) balance
Zero commission on direct mutual fund investments
Systematic Investment Plans (SIPs) starting at just ₹100
24x7 live chat support irrespective of time zone
How to open a Niyo account?
Time: Less than 5 minutes
Documents: PAN, Aadhaar, Indian Passport
Download the Niyo App
Verify your Mobile Number and Email ID
Verify your Passport & Aadhaar details
Capture a quick selfie
Enter Personal and Nominee details
Complete your 3-minute Video KYC
Your Full-KYC Savings Account will be ready
Your card will be delivered within 3 days
UPI on Niyo Pay
Niyo Pay works with any bank in India that supports BHIM UPI. Simply link your bank account to your UPI ID on this app.
One UPI ID for all your bank accounts.
Scan UPI QR: Scan QR & make instant payments at shops and merchants.
Pay via Mobile Number : Pay anyone, no matter which app they're are using
Check Account Balance across multiple bank accounts like SBI, HDFC, ICICI & 140+ banks.
Each transaction is secured with your 4 or 6 digit number UPI PIN.
Premium Niyo Perks:
Zero Forex Markup*: Shop, dine, travel, and save up to 5% on all international transactions.
Coins: Unique rewards program for referrals and domestic spends.
Instant Cash: Get credit up to ₹3 lakh for travel/ personal use directly into your bank account in a 100% digital, document-less, and secured process.
Niyo Pay: Make UPI payments within the app to anyone, no matter which UPI app they use
ATM Locator: Find one nearby to withdraw local currency worldwide.
Currency Converter: Live forex rates to know your purchase value upfront and avoid surprises later.
24x7 Live Chat Support: Emergencies happen, so we’ll be here to help you no matter where you are in the world.
The INR-based Niyo card takes away the need for a multi currency account & multi currency card. You can add money to your card in INR and transact in the currency of your destination abroad. Once you’re back in India, you can continue to use your card for domestic offline and online transactions.
The Niyo Card is the only card you will need during your travels to make forex payments on the go.
Note: Niyo digital savings accounts and credit and debit cards are in partnership with DCB Bank, Equitas Small Finance Bank, and SBM Bank (India).
Niyo also offers personal loans that are quick & 100% digital
Tenure: 90 days - 36 months
Interest rate: 14-20% p.a.
Processing fee: 2.3%-3% of the loan amount + 18% GST
Example:
Loan amount: ₹100,000
Tenure: 12 months
Interest rate: 14%
EMI amount: ₹2,733
Total interest payable: ₹31,167
Processing fee (incl. GST): ₹2,950
Disbursed amount: ₹97,050
NBFC Declaration: Niyo Global acts as a platform for the NBFCs licensed by the RBI. The NBFC which uses our service is Liquiloans.
Download the app and experience the sheer brilliance of a zero forex markup iInternational debit & credit card with Niyo!
*T&C apply
Got questions? Reach out to us at global@goniyo.com
What’s New
Version 2.59.2
* Updated design system for UPI
Ratings and Reviews
Best Card
Using niyo global in Uk from last 3 months, everything is perfect.. highly recommend
Developer Response ,
Hey Nitesh! We're happy to see that our services add value to your time while you are overseas. Your recommendation means the world to us, and it motivates us to continue delivering top-notch service and support. Thank you for being a part of our Niyo team. - AS
Not worth for even a star
Guys please be careful very worst card I ever seen came to other country for studies with all money in niyo card now they stopped all international transactions. And in feedback’s I was seeing
Niyo is saying to order credit card , where to order when there is no international delivery of card . How can you except us to take the credit card . Should I book a flight ticket to india and order credit card and says 1 week for delivery but takes 1 month and again rbi will stop credit card transactions too then again you will come up with some other card which is absolutely useless .
HOWEVER, DEBIT CARD STOPPED ATLEAST INITIATE A INTERNATIONAL DELIVERY FOR CREDIT CARD .THINK ABOUT PEOPLE WHO BELIEVED YOU .
Developer Response ,
Hey Any! We completely understand that the sudden stoppage of Global debit card international transactions has caused inconvenience to you. Please be aware that the global credit card is unaffected under LRS restrictions (by RBI) and works absolutely fine for international transactions. Additionally, please note that due to compliance reasons, physical cards can only be delivered to the communication address in India. However, you can get the card delivered to a trusted family member or friend in India and have them courier it to you abroad. If you have any further concerns or queries, please feel free to reach out to us via in-app live chat support or write to global.escalation@goniyo.com. We appreciate your understanding and hope to serve you better in the future. -ZG
Issues and charges are high
I’m an International student and I only have this card with all the money in it, can’t do international transactions as there are so many Issues with RBI and Charges are high can’t be dependent on this bank I was not able to pay my rent as the bank mailed me that all the international transactions disabled so was in problem and was not able to transfer my money ti any other accounts.
Don’t use this card for international transactions or any other international transactions
Developer Response ,
Hi there, as per the guidelines by the Reserve Bank of India (RBI), our partner bank, State Bank of Mauritius (SBM, India) has been instructed to stop all international transactions. This isn’t specific to Niyo, but it’s rather at the bank level (international transactions have been stopped for SBM Bank). We would like to assure you that your money is absolutely safe. All domestic transactions (fund transfers, online, swipe machines, UPI, ATM withdrawals, and Tap&Pay) will continue to work seamlessly. However, As an alternative, we recommend you opt for Global Credit Card and start using it immediately for international transactions without any restrictions. The credit card comes free of cost, does not depend on your credit score, and provides you the same zero forex markup benefit, along with high-interest rates, international lounge accesses, etc. We are working with SBM Bank to resolve this asap. We will be sharing updates with all our customers, as soon as there are any developments on this matter. -MR
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 Linked to You
The following data may be collected and linked to your identity:
- Location
- Contact Info
Privacy practices may vary based on, for example, the features you use or your age. Learn More
Information
- Provider
- Niyo Solutions Inc
- Size
- 345.8 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 13.4 or later.
- iPod touch
- Requires iOS 13.4 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2022 Niyo Solutions
- Price
- Free