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 2.59.0
In the latest update, we've squashed some pesky bugs and made your app even better. But that's not all! We've also added a dash of behind-the-scenes magic to improve your overall experience. Update now and keep exploring the world with Niyo Global!
Ratings and Reviews
Very helpful for paying in foreign countries
Really awesome service by niyo team , specially zahid, he helped me with my queries instantly and did lots of effort to solve my issue .
Developer Response ,
Hey Desai! Thank you for taking the time to share your positive experience with us! We're thrilled to hear that our team member Zahid provided you with excellent service and went above and beyond to resolve your queries. At Niyo, we strive to provide seamless and hassle-free banking services to our customers, and feedback like yours motivates us to do even better. Thank you for choosing Niyo, and we hope to continue serving you in the future! 🙌🏻 -ZG
Worst experience ever in my life
The story was so big which I cannot write over here. Coordination is soo poor. No prior notifications no emails of getting charged by NiYO credit card. And I was charged with total interst of 1 lakh rupees around. If I had know that I was getting charged I would have paid it. Everything was mess, I am totally vexed up with this service and never in my life I shall use Niyo. Now again they will ask me to tell the entire stuff and finally blame me that it’s you who didnot check. My account was on hold no emails, I was not notified How can a student pay 1 lakh rupees credit bill, when this bank is helpful for students. Simple one: I created fd to pay through credit card. I already had money to pay but Niyo debit was not working. But credit tution fee was not deducted from FD. And I was charged every month 40k as interst. Imagine if anyone in my place and if you know that u are getting charged for 3 months every month 40k, and already which you paid What would have you done ? I am truly hating this and very very disappointed
Developer Response ,
Hello there! It equally pains us to see so much going on here with you. We can understand the situation that you have faced and sincerely regret the inconvenience caused. Please be informed that the monthly bill generates upon usage and you get 16 days from the bill generation date to pay off the amount to reinstate the Credit Card limit. So, you enjoy a free credit period while your FD earns interest for you! The late fee is only charged when the user does not pay the total billed amount within the due date, the customer will be charged a late payment fee of ₹150 + GST and 3% interest on the unpaid billed amount. We would like to make things clear to you on the usage of the secured credit card but are unable to trace your details, you can always reach out to us on our Live chat round the clock or drop us an email at global.escalation@goniyo.com for assistance required. We will be more than happy to assist you.- PR
Worst of all
Worst experience i had with them. They promised to deliver card before time and delivery got delayed and i had to leave without the card sadly. On top of that there customer care executives not listen to the concern and say what they been taught. So its useless to waste time with them. Just order from some other bank and don’t stuck with these people. They are a total disappointment.
Developer Response ,
Hi Shubham, we're extremely sorry to hear about your less than positive experience. We understand how disappointing it can be to not receive your card on time. We apologize for the inconvenience caused and would like to look into this further to see how we can help. Could you please share your registered email ID with us at global.escalation@goniyo.com? We assure you that we will investigate this matter and take the necessary steps to avoid similar issues in the future. Thank you for bringing this to our attention. -ZG
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, for example, based on the features you use or your age. Learn More
Information
- Seller
- Niyo Solutions Inc
- Size
- 345.1 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