Niyo - Bank. Save. Invest

from India 

Neobanque

App store Ranking : 3.7

Fondée en

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Enjoy your international travel with the best debit and credit card Niyo Global and enjoy zero markups on your Forex transactions. Save money while you travel, and earn 6.5% interest* on your savings account.

Niyo app screenshoot 2
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Niyo app screenshoot 1
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Note: This review below has been generated using AI (12/04/2025 15:03:53), based on the analysis of App Store reviews from the last 90 days. The insights provided are derived from aggregated user feedback and aim to give you an overview of the app's current performance and user sentiment. More info here 

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Summary

Recent reviews from the last 90 days: Users are experiencing significant issues with accessing their funds, including frozen accounts and failed cash withdrawals. Customer service appears unresponsive and unhelpful, leading to frustration and financial hardship. These recent negative experiences overshadow any potential positive aspects of the app.

Pros:

  • - None evident from recent reviews.

Cons:

  • - Inability to withdraw cash, particularly for international travelers.
  • - Accounts being frozen without explanation or timely resolution.
  • - Unresponsive and unhelpful customer service.
  • - Lengthy delays in addressing account issues (multiple days with no action).

Niyo - Bank. Save. Invest

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 best in the industry interest rates on your savings.

● Track your EPF with a single click.

● 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}

Example:

- 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 accounts 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 offers

● Virtual Debit Card for online transactions

● Card locks and limits for expense control

● 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

● Best in the industry interest rates on your savings

● Digital Account with exceptional offers

● 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: https://static.goniyo.com/legal/ Terms_conditions.pdf



Update 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: niyox.escalations@goniyo.com

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