Niyo: Global cards for travel

Niyo: Global cards for travel

Zero Forex Card, Cash & Travel

526 ratings
120 reviews
Free

Details

  • Released
  • Updated
  • September 5, 2022
  • July 13, 2026
Niyo: Global cards for travel screenshot #1 for iPhone
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About

This app provides international debit and credit cards with zero forex markup charges, ideal for travelers. It offers doorstep delivery, assisted KYC, and a range of travel-related services like lounge access, ATM withdrawals, and currency conversion.

Zero forex markup on international transactions
24-hour doorstep card delivery
Assisted KYC verification
Free lounge access abroad
Free international ATM withdrawal
Currency converter
International eSIM plans
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What users say

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+1

What's New in Niyo

3.79.0

July 13, 2026

We're always on the move and making improvements to Niyo Global. To make sure you don't miss a thing, keep yourself on the newest version of the app!

Events

Read more about Niyo just got a full makeover!

Niyo just got a full makeover!

Zero forex fees on travel across the globe

Aug 20, 2025 Sep 5, 2025

User reviews

Niyo forex

Lakhan Kumar was very helpful from Gurgaon branch .

Niyo application not working

After update app is not working. Its in black screen

Excellent

Excellent service

Transaction cancelled yet the money got debited in the ATM

The worst service ever Seen. Customer care executive are useless and without any knowledge. I have tried to withdraw money from ATM in London but the transaction got cancelled yet my money got debited and it happened twice. The customer care is so irresponsible and not able to sort the problem. This seems to be like a scam. Just attracting the people with less forex charges and no proper service. It’s better to shutdown your business.
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Serious Security Issue Ignored, endless Waiting, No Real Solution.

I’m extremely disappointed with the service. This issue has been going on for months, and despite multiple follow-ups, nothing has been resolved. I’m still receiving OTPs on my old number, which is no longer in my possession — this is a serious privacy and security concern.

What’s even more frustrating is the repetitive and generic responses. Every time, I’m told the issue has been “escalated” or that the team is “waiting for an update,” but there is no actual progress or clear timeline provided. It feels like no one is taking ownership of the problem.

I have already provided all the required details and evidence, yet I’m being asked to repeat steps or simply wait indefinitely. This lack of efficiency and accountability is unacceptable, especially when it involves something as critical as banking security.

Overall, a very poor experience. I would not recommend this service unless they significantly improve their customer support and issue resolution process.
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Developer apps

User experience

🐞

Reported Bugs

3 issues

App UI/UX bugs

Bug

Inconsistent transaction tracking

Bug

Unreliable international usage

Bug

Requested Features

3 requests

Allow mobile number updates

Feature

Improve UPI functionality

Feature

Provide better transparency on fees/charges

Feature

FAQ

What is the Niyo app?

The Niyo app provides international debit and credit cards that allow users to make payments abroad without incurring any foreign exchange (forex) markup charges. It aims to save users money on international transactions and offers various travel-related services.

What are the key features of the Niyo card?

Key features include zero forex markup on all international transactions, free doorstep delivery of cards, assisted KYC verification, free lounge access abroad each quarter, and one free international ATM withdrawal per quarter. It also offers a currency converter, ATM locator, and travel insurance.

How much does it cost to use the Niyo card?

The app itself is free to download and use. The primary benefit is the zero forex markup on international transactions, which saves users money compared to traditional cards. There are also free lounge access and ATM withdrawals offered each quarter.

What are the requirements to open a Niyo account?

To open a Niyo account, you will need your PAN, Aadhaar, and Indian Passport. The process involves downloading the app, verifying your mobile number and email, verifying your passport and Aadhaar details, capturing a selfie, and completing a 3-minute video KYC.

Can I use the Niyo card for domestic transactions?

Yes, once you are back in India, you can continue to use your Niyo card for domestic offline and online transactions. The card is designed to be a versatile financial tool for both international and local use.