Niyo: Global cards for travel

Name: Niyo: Global cards for travel
Rating: 4.7 (33611 reviews)
Author: Niyo Solutions Inc

Zero Forex Card, Cash & Travel

Only for iPhone

Free

34K Ratings
Ages

4+
Years
Category

Finance
Developer

Niyo Solutions Inc
Language

EN
English
Size

316.3
MB

iPhone

Niyo Card With Zero Forex Markup Charges 24-hour doorstep delivery | Assisted KYC verification 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, with an option of 24 hour delivery in select metros. Niyo cards are better than regular prepaid travel forex cards for international travellers. Why choose Niyo? • Zero forex markup* on all international transactions: Save up to 5% • Forex Cash at zero forex markup & free door delivery • Niyo Express 24-hour card delivery: Assisted KYC at doorstep and instant card hand over & set-up • 1 free lounge access abroad each quarter# at 1300+ airports • 1 free international ATM withdrawal each quarter# • Add money in INR & use in 180+ countries • Card delivery in 3-5 days • Coins: Unique rewards program • UPI payments with Niyo Pay • ATM Locator to withdraw cash globally • Currency Converter for live forex rates • International eSIM with affordable plans in 120+ countries • Flight bookings with zero convenience fee# • Visa bookings at lowest market rate and full assistance • Hotel bookings at exclusive properties at lowest rates • Travel insurance with 99.9% instant policy assurance • Utility Bill Payments with coin rewards • 24/7 chat support irrespective of time zone Niyo Express: Be travel ready in 24 hours! With Niyo Express*, we send an expert to your doorstep for a quick, seamless KYC and card delivery, right from the comfort of your home. It’s fast, easy, and efficient! - Free doorstep KYC by an expert - Assisted card set-up to make it travel-ready - Premium support throughout *Available in select cities How to open a Niyo account if Niyo Express is not available in your city? 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 your details • Complete your 3-minute Video KYC • Your Savings Account will be ready & card will be delivered in 3-5 days 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 debit or credit card you will need to save up to 5% during your travels abroad. Note: Niyo digital savings accounts and credit and debit cards are in partnership with DCB Bank and SBM Bank (India). Download the app and experience the sheer brilliance of zero forex markup international debit & credit cards with Niyo! *T&C apply Got questions? Reach out to us at global@goniyo.com

Ratings & Reviews

4.7

out of 5

34K Ratings

Worst application which is down most of the time
10/03/2024

K@rthik96
I've had some good times with the card but lately it's been very frustrating. The add using UPI feature hardly works and every time the transaction says failed after deducting money from the bank. The amount gets stuck for 5 business days and the customer care asked me to use RTGS or NEFT. I did that and then the account got credited, but then the app stopped working and is not updating balance. I don't want to keep large chunks of money in FD to use the credit card and happy to repay my used sum then and there. Due to the constant technical glitches i feel this would cause me a lot of trouble in foreign countries rather than making the hassle of using a forex card go away. Very unreliable and risky using this card in foreign countries. I have used the niyo global card before which used to work on loading basis earlier and it was a much better experience than this - the credit card experience is very unplanned and unreliable.

Developer Response
Dear Karthik! It's definitely not the experience we want you to have, especially when it comes to payments and transactions. We understand how inconvenient it must be to have your money stuck for several days due to failed transactions. We would like to address your specific concerns and make things right. Unfortunately, we're unable to locate your details with the user name. Kindly drop us an email at global.escalation@goniyo.com from your registered email address so that we can connect with you and assist you further. - SR
Worst application which is down most of the time
10/03/2024

K@rthik96

I've had some good times with the card but lately it's been very frustrating. The add using UPI feature hardly works and every time the transaction says failed after deducting money from the bank. The amount gets stuck for 5 business days and the customer care asked me to use RTGS or NEFT. I did that and then the account got credited, but then the app stopped working and is not updating balance. I don't want to keep large chunks of money in FD to use the credit card and happy to repay my used sum then and there. Due to the constant technical glitches i feel this would cause me a lot of trouble in foreign countries rather than making the hassle of using a forex card go away. Very unreliable and risky using this card in foreign countries. I have used the niyo global card before which used to work on loading basis earlier and it was a much better experience than this - the credit card experience is very unplanned and unreliable.
Developer Response 13/03/2024
Dear Karthik! It's definitely not the experience we want you to have, especially when it comes to payments and transactions. We understand how inconvenient it must be to have your money stuck for several days due to failed transactions. We would like to address your specific concerns and make things right. Unfortunately, we're unable to locate your details with the user name. Kindly drop us an email at global.escalation@goniyo.com from your registered email address so that we can connect with you and assist you further. - SR
Extremely Extremely Disappointed
14/10/2023

RM 29
I got a NIYO CREDIT CARD in Sept’23 with a promise to me that it would be used globally without any transaction fee and hassles. Sept end I travelled to Germany with a good amount of money uploaded into my card to be used in this foreign land. From the very first instance when I was trying to pay to my cab driver for the fair from airport to the hotel, the card didn’t work. It DECLINED. I thought may be the first transaction in Germany so the card is throwing an error so I reset all my card’s features in the app thinking it should work now. Then, I tried paying the hotel bill, coffee in a cafe, train ticket, grocery store, withdrawing money from the ATM - IT DIDN’T WORK ANYWHERE. I was literally stranded in this foreign country due to this card. Every time I would contact customer care they said try another merchant and send us screenshots. I tried the card everywhere and it worked no where. It is so mentally frustration and annoying if you are alone in an unknown country without currency. Fortunately I had a credit card from another back which saved me. This card is a fraud and they shouldn’t sell it customers. It could really put you in a lot of trouble. I am extremely disappointed and won’t recommend anyone to use this card. I have requested them to transfer my money back to my savings account. Hoping that atleast they meet this expectation. This card has caused me a lot of mental stress in a foreign land.

Developer Response
Hey RM! First and foremost, we want to sincerely apologize for the disappointing experience you had with our card. We understand the gravity of the situation and are deeply concerned about the unfortunate series of events that transpired. We'd like to connect with you and investigate the issue to be able to avoid this situation in future, please drop us an email at global.escalation@goniyo.com We look forward to your email and restoring your faith in our services. -PR
Extremely Extremely Disappointed
14/10/2023

RM 29

I got a NIYO CREDIT CARD in Sept’23 with a promise to me that it would be used globally without any transaction fee and hassles. Sept end I travelled to Germany with a good amount of money uploaded into my card to be used in this foreign land. From the very first instance when I was trying to pay to my cab driver for the fair from airport to the hotel, the card didn’t work. It DECLINED. I thought may be the first transaction in Germany so the card is throwing an error so I reset all my card’s features in the app thinking it should work now. Then, I tried paying the hotel bill, coffee in a cafe, train ticket, grocery store, withdrawing money from the ATM - IT DIDN’T WORK ANYWHERE. I was literally stranded in this foreign country due to this card. Every time I would contact customer care they said try another merchant and send us screenshots. I tried the card everywhere and it worked no where. It is so mentally frustration and annoying if you are alone in an unknown country without currency. Fortunately I had a credit card from another back which saved me. This card is a fraud and they shouldn’t sell it customers. It could really put you in a lot of trouble. I am extremely disappointed and won’t recommend anyone to use this card. I have requested them to transfer my money back to my savings account. Hoping that atleast they meet this expectation. This card has caused me a lot of mental stress in a foreign land.
Developer Response 16/10/2023
Hey RM! First and foremost, we want to sincerely apologize for the disappointing experience you had with our card. We understand the gravity of the situation and are deeply concerned about the unfortunate series of events that transpired. We'd like to connect with you and investigate the issue to be able to avoid this situation in future, please drop us an email at global.escalation@goniyo.com We look forward to your email and restoring your faith in our services. -PR
Worst Support Ever and Slow Response to Solving Problems
12/09/2024

AJ_Rathod
Niyo app was once a frontrunner in the banking sector, but it’s clear that their priorities have shifted drastically. What was once a customer-centric service has now devolved into a profit-chasing machine, with little to no regard for the people who use their platform. The deterioration in their customer service is not just noticeable—it’s glaring. Whether it’s creating a Fixed Deposit or getting a new credit card, every interaction with their support team is a nightmare. The responses are scripted and robotic, making the entire process feel like you’re talking to a wall. They constantly hide behind the excuse that the “backend team is working on it,” a vague and lazy cop-out that seems to last indefinitely—often dragging on for weeks, if not months. It’s not just about the lack of resolution; it’s the mental toll of dealing with a company that’s simply stopped caring. Their support isn’t just ineffective; it’s infuriating and draining. Niyo has lost touch with its roots, and its customers are left paying the price—literally and figuratively. If Niyo doesn’t make drastic changes, they risk losing not just customers, but also their reputation as a once reliable and trustworthy banking service. It’s a shame to see a once-great app fall so far, but until they fix their deeply flawed approach to customer care, they don’t deserve your time or money.

Developer Response
Hey Rathod! We’re truly sorry to hear about your experience and deeply regret the frustration it has caused. Your feedback is incredibly valuable to us. We’re eager to address the concerns you've raised, but unfortunately, we’re unable to locate your details at the moment. Could you please write to us at global.escalation@goniyo.com from your registered email address? We’ll ensure your case is prioritized and work towards a resolution promptly. We truly appreciate the opportunity to make things right for you. - SR
Worst Support Ever and Slow Response to Solving Problems
12/09/2024

AJ_Rathod

Niyo app was once a frontrunner in the banking sector, but it’s clear that their priorities have shifted drastically. What was once a customer-centric service has now devolved into a profit-chasing machine, with little to no regard for the people who use their platform. The deterioration in their customer service is not just noticeable—it’s glaring. Whether it’s creating a Fixed Deposit or getting a new credit card, every interaction with their support team is a nightmare. The responses are scripted and robotic, making the entire process feel like you’re talking to a wall. They constantly hide behind the excuse that the “backend team is working on it,” a vague and lazy cop-out that seems to last indefinitely—often dragging on for weeks, if not months. It’s not just about the lack of resolution; it’s the mental toll of dealing with a company that’s simply stopped caring. Their support isn’t just ineffective; it’s infuriating and draining. Niyo has lost touch with its roots, and its customers are left paying the price—literally and figuratively. If Niyo doesn’t make drastic changes, they risk losing not just customers, but also their reputation as a once reliable and trustworthy banking service. It’s a shame to see a once-great app fall so far, but until they fix their deeply flawed approach to customer care, they don’t deserve your time or money.
Developer Response 14/09/2024
Hey Rathod! We’re truly sorry to hear about your experience and deeply regret the frustration it has caused. Your feedback is incredibly valuable to us. We’re eager to address the concerns you've raised, but unfortunately, we’re unable to locate your details at the moment. Could you please write to us at global.escalation@goniyo.com from your registered email address? We’ll ensure your case is prioritized and work towards a resolution promptly. We truly appreciate the opportunity to make things right for you. - SR
Extremely Disappointed with Account Creation Process
12/08/2023

Vyassameer
I'm writing this review to express my extreme disappointment with the Niyo Globe app. I started the account creation process on July 8th with high hopes of a smooth experience. Unfortunately, it has been an absolute nightmare. The app displayed a message indicating that my account would be created within 4 hours, and if not, I should contact customer care via the provided email address. Feeling optimistic, I reached out to customer care multiple times via email, as per their instructions. However, to my dismay, I haven't received a single response from them. It's been over a month, and my account opening process remains incomplete. The lack of communication and support from the Niyo Globe team is truly frustrating. I was genuinely looking forward to using this app for my financial needs, but this experience has left me with a sense of distrust and dissatisfaction. A company that claims to offer seamless financial services should prioritize customer support and responsiveness, which seems to be sorely lacking in this case. I hope this review serves as a cautionary tale for others considering using the Niyo Globe app. As of now, I cannot recommend this app due to its glaring issues in account creation and customer support. sameer vyas

Developer Response
Hey Vyas! We tried calling you on your registered number, but the calls went unanswered. Regrettably, we couldn't onboard you with the Niyo Global by SBM due to specific criteria not met. However, We've introduced some alternatives to cater to your global needs. You can explore the Debit cards by Niyo Global Equitas and the Niyo Global DCB, each offering perks like zero forex markup and convenient lounge access. These alternatives are seamlessly functional on a global scale. To delve deeper into these offerings and their advantages, take a glance at our website: https://goniyo.com/. If there's anything else you'd like to clarify or explore further, please don't hesitate to reach out. - AS
Extremely Disappointed with Account Creation Process
12/08/2023

Vyassameer

I'm writing this review to express my extreme disappointment with the Niyo Globe app. I started the account creation process on July 8th with high hopes of a smooth experience. Unfortunately, it has been an absolute nightmare. The app displayed a message indicating that my account would be created within 4 hours, and if not, I should contact customer care via the provided email address. Feeling optimistic, I reached out to customer care multiple times via email, as per their instructions. However, to my dismay, I haven't received a single response from them. It's been over a month, and my account opening process remains incomplete. The lack of communication and support from the Niyo Globe team is truly frustrating. I was genuinely looking forward to using this app for my financial needs, but this experience has left me with a sense of distrust and dissatisfaction. A company that claims to offer seamless financial services should prioritize customer support and responsiveness, which seems to be sorely lacking in this case. I hope this review serves as a cautionary tale for others considering using the Niyo Globe app. As of now, I cannot recommend this app due to its glaring issues in account creation and customer support. sameer vyas
Developer Response 14/08/2023
Hey Vyas! We tried calling you on your registered number, but the calls went unanswered. Regrettably, we couldn't onboard you with the Niyo Global by SBM due to specific criteria not met. However, We've introduced some alternatives to cater to your global needs. You can explore the Debit cards by Niyo Global Equitas and the Niyo Global DCB, each offering perks like zero forex markup and convenient lounge access. These alternatives are seamlessly functional on a global scale. To delve deeper into these offerings and their advantages, take a glance at our website: https://goniyo.com/. If there's anything else you'd like to clarify or explore further, please don't hesitate to reach out. - AS

Niyo just got a full makeover! Enjoy our latest upgrade designed for seamless global travel: • All-New Homepage – Flights, hotels, visa, esim, forex cash, and more are now just a tap away. • Introducing the Hub – A cool directory of our key features and products, all in one place. • Cleaner UI – Faster, smarter, and easier to navigate. • Performance Upgrades – Smoother experience across devices. Update now and travel smarter with the new Niyo app!

Version 3.43.0

5 Nov

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You

The following data may be collected and linked to your identity:
- Location
- Contact Info
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Identifiers

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

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Niyo: Global cards for travel

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Ratings & Reviews

What’s New

Version 3.43.0

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

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