NiyoX - Digital Banking 4+

Bank. Save. Invest‪.‬

Niyo Solutions Inc

    • 3.9 • 1.8K Ratings
    • Free

iPhone Screenshots


What is NiyoX, and what does it offer?
-> NiyoX is your solution to simplified banking.
-> Opening a digital savings account with NiyoX is a breeze. It's fast, efficient, 100% paperless, and can be done from anywhere.
-> With NiyoX, you get the best interest rates on savings and free online fund transfers. -> We offer zero Account Maintenance Charges, 0% commission on Mutual Funds investment, and up to 7.8% interest p.a.* on your savings.
-> Get Personal Loans quick & 100% digital
- Tenure: 90 days - 36 months
- Interest rate: 16-36% p.a.
- Processing fee: 2.5-5% of loan amount with
min. processing fee of {1000 + 18% GST}
- Loan amount: 750,000
- Tenure: 12 months
- Interest rate: 22%
- EMI amount: 74,680
- Total interest payable: 76,160
- Processing fee (incl. GST): 71,475
- Disbursed amount: 748,525
- Total amount payable: 756,160
- Total cost loan: 37,635
NBFC Declaration: NiyoX acts as a platform for the NBFCs licensed by the RBI.

What sets NiyoX apart in terms of banking convenience?
-> NiyoX is designed to make banking quick and easy, simplifying complex financial jargon.
-> We provide an intuitive, easy-to-use app offering Savings account(s) and investment options.
-> We prioritize simplicity, safety, and smart solutions, putting you in charge of your finances.

Can you highlight some key features of NiyoX that make it stand out?
NiyoX excels in providing:
-> Digital Account with exceptional rewards
-> Virtual Debit Card for online transactions
-> Card locks and limits for expense control
-> A ZERO forex markup card for international transactions
-> Exclusive onboarding deals and regular rewards
-> The Wave feature to protect your account balance
-> In-app support and a Niyo Community forum for assistance and feedback

How easy is it to open a NiyoX Savings Account?
-> Opening a NiyoX Savings Account is simpler than roasting papad! All you need is a PAN and Aadhaar.
-> Just download the NiyoX App, enter your details, and start managing your finances effortlessly.

What benefits can I expect with a NiyoX Savings Account?
A NiyoX Savings Account offers:
-> Zero balance requirement
-> Zero commission on Mutual Funds Investments
-> Up to 7.8% interest on your savings
-> Digital Account with exceptional rewards
-> ₹5 lakh insurance for your funds by DICGC

How does NiyoX provide digital banking services with a human touch?
-> NiyoX brings the entire world of banking to your smartphone, eliminating the need for physical branches, queues, and paperwork.
-> We provide 24/7 support, strong encryption protocols to secure your funds, and a seamless digital banking experience.
-> NiyoX takes permission to access your SMS to customize personal finance insights. It includes bank balances of savings accounts too.

Terms and Conditions:

How does NiyoX ensure the safety of my money and transactions?
-> Your funds are securely held in your Banking partners, trusted by millions.
-> NiyoX uses robust encryption protocols to protect your financial assets, even though there are no physical branche.

Discover banking simplified with NiyoX - your modern banking companion. You can reach out to our team at:

What’s New

Version 3.1.0

Experience a sleeker interface for effortless banking with our latest update! Our revamped design makes financial management a breeze. NiyoX now features lightning-fast transactions, improved performance, bug fixes, and enhancements for a seamless and responsive banking experience.

Ratings and Reviews

3.9 out of 5
1.8K Ratings

1.8K Ratings

Ravi1123 ,


I really had a very good experience after long time after wasting hell lot of money on international exchange rate .. this time I saved plenty money on this …. But only issue is that every money I have to remind them or once I come to different county that please approve my card limit for this country and so country as I keep on travelling.
Bez after doing shopping I realised that my card is not working then I hav to inform ur team to pls approve which I really got angry on this as it was very embarrassing , as I already informed ur team abt my plans in advance .so pls look aft his issue
Rest all is good …
Pls make it more friendly , for person like me who keeps on travelling diffent countries , so that it would be tension free.

Developer Response ,

Hey Ravi! Thanks for taking the time to share your feedback in detail. For security reasons. the bank might be restricting international transactions for the first time. However. on your behalf, we'll definitely share this feedback with the bank as it’s our constant endeavor to provide a seamless user experience. For further help, reach out to our in-app Live Chat Support of fill in the form link: -AD

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: 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: 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

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