# Niyo: Global cards for travel — user reviews > 122 indexed App Store user reviews of Niyo by Niyo Solutions Inc, rated 4.50/5 from 536 ratings. - Source: https://appshunter.io/ios/app/niyo-global-cards-for-travel/id1633946487/reviews - App overview in markdown: https://appshunter.io/ios/app/niyo-global-cards-for-travel/id1633946487.md - Rating breakdown: 5★ 441 · 4★ 30 · 3★ 9 · 2★ 2 · 1★ 54 ## What do users think of Niyo? Overall sentiment: negative **Pros** - 🚀 Smooth onboarding - 👍 Great service - 🚀 Quick card delivery - 💡 Useful for international travel **Cons** - 🐛 Frequent app crashes - 🔒 KYC issues for international users - 💰 High conversion/forex charges - 🔒 Account freezing/closure issues - 👎 Poor customer support **Commonly reported bugs** - App UI/UX bugs - Inconsistent transaction tracking - Unreliable international usage **Most requested features** - Allow mobile number updates - Improve UPI functionality - Provide better transparency on fees/charges ## Newest reviews (10 of 122) ### 5/5 — Niyo forex card review *2025-08-01* I recently applied for a Niyo Global forex card, and I must say, the entire process was smooth and hassle-free. What stood out the most was the excellent support provided by the representative, Mr. Anil Kendre. He personally visited to assist with the onboarding process and explained everything clearly. Anil was extremely knowledgeable and patient. He guided me through how to use the Niyo app, especially the steps for loading the card and managing funds. His explanation made the whole process very easy to understand, even for someone new to forex cards. Thanks to the efficient service and clear guidance, I was able to get my card quickly and feel confident using it. I highly recommend Niyo Global to anyone looking for a reliable forex card service, and I especially appreciate the personal assistance provided by Anil. **Developer response:** Hi Mrunali, glad to know your onboarding was smooth and hassle-free, with clear guidance that made everything easy to understand! 😊 We're happy you feel confident using the card and appreciate your recommendation. Wishing you a seamless experience ahead. -SKP ### 1/5 — !! DO NOT GET THIS CARD!! *2025-07-27* I got this card so that i can withdraw or use it as a proper credit card abroad but its a scam in order to get your credit limit you need to do a FD the FD limit is your credit limit and the main reason i bought this card cause i used to have the previous niyo sbm debit card which was very good for ATM withdrawals, but since they have banned international transactions on that card in the app they baited me to get this card for international withdrawals so as a student I applied for this card so that it would be convenient for me to simply add money to the card and just withdraw it but even that is a SHAM you know what you can’t just add money to withdraw you need to convert it into a FD and then withdraw….. so i converted the exact amount i wanted to withdraw into FD and did it and then boom they gave me a outstanding bill of the amount i have withdrawn which indeed i have loaded.. i dont know what kind of logic applies to this but after having a long and unresponsive and unproductive chat from the customer care still my outstanding is there which i wont pay and that effects my cibil score. **Developer response:** Hey there! We truly regret the inconvenience you've experienced, and we're really sorry to hear that your interactions with our support team didn’t meet your expectations. We hear you and completely understand how disappointing this must’ve been, especially when you were looking for a hassle-free experience abroad. We’d like to clarify that the Niyo SBM Credit Card is a secured FD-backed credit card on which you earn interest. It functions just like any other credit card. 90% of your FD amount becomes your credit limit. Once you use the card, a bill is generated for the amount used, and that needs to be repaid, just like a traditional credit card. We understand this process might seem complex, especially if you're expecting the convenience of simply loading and withdrawing funds. Also, we're happy to inform you that Niyo SBM debit cards are now active again for international transactions, and you can continue using it now with ease by completing your Re-kyc https://www.goniyo.com/oa/sbm/savings/re-vkyc We couldn’t locate your details with the username. Please feel free to write us an email at global.escalation@goniyo.com with your registered details. We’ll make sure our team steps in and helps you at the earliest. - SB ### 5/5 — Niyo global card *2025-07-22, version 3.33.1* Ashutosh cleared all things ### 3/5 — Nice UI and convenient but too many notifications *2025-07-22, version 3.33.1* I understand the concept of upselling but guys sending 11 notifications in a single day is not cool. And yes they all ate promotional, got so fed up that I had to turn off all notifications for Niyo App. Please don’t bombard spam messages! ### 5/5 — Smooth onboarding and service *2025-07-12, version 3.33.0* Smooth onboarding and service ### 5/5 — Very easy to apply *2025-07-07, version 3.33.0* Procedure was very easy it’s a must if you are planning to travel over seas, great experience. ### 5/5 — Best card for on site travel *2025-07-01* Where many cards were not working this card wad working well everywhere **Developer response:** Hey Akshay! Glad to hear the card worked reliably when others didn’t! 🌍 We’re committed to ensuring smooth and dependable access wherever you go. -SKP ### 5/5 — Flawless Service and customer experience *2025-06-13* I recently opted for the Niyo Global Forex Card, and I must say the entire onboarding and card delivery process was exceptionally smooth and efficient. From the outset, the in-app registration was intuitive and user-friendly. The KYC verification was conducted swiftly at my doorstep by a well-trained executive who ensured all documents were accurately captured and verified in one visit. The executive was punctual, professional, and courteous—making the in-person verification process seamless. What truly stood out was the speed and transparency of card delivery. Within just a couple of business days after verification, I received the Niyo Global Forex Card at my doorstep, securely packed and ready for activation. I was kept informed at every stage—right from dispatch to real-time tracking—via SMS and app notifications, ensuring complete peace of mind. Upon delivery, card activation was instant via the Niyo app, and I could immediately load currency, set transaction limits, and begin using the card without delays. The app interface is top-notch, providing full control over card usage, locking/unlocking, and real-time international conversion rates. In summary, Niyo Global’s in-house card delivery and verification process sets a new standard in convenience, security, and efficiency. For anyone planning international travel, studies, or business abroad, this is a highly recommended solution—one that combines the reliability of in-person KYC with the agility of a modern digital banking platform. **Developer response:** Hey Tarun! Thank you for such a detailed and thoughtful review! 🌍 We’re truly delighted to hear that your onboarding and card delivery experience with Niyo Global was seamless and efficient. Your kind words reinforce our commitment to delivering smart, secure, and hassle-free solutions for global travellers. ✈️ -SKP ### 5/5 — Niyo Global Card - Awesome service by Ashutosh *2025-06-08* It was a really smooth onboarding experience by Ashutosh - He was really helpful and polite **Developer response:** Hi there, great to hear your onboarding was smooth and you had helpful, polite support along the way! We're committed to making your experience as seamless as possible. 😊 -SKP ### 1/5 — Crashing frquently *2025-06-04, version 3.29.1* I was using niyox for last 3 years. Recent update forced me to install this app. After the installation, it hasn’t fetched my account details, kyc is not working and other buttons and links are not working as well. App continuosuly crashes often. ## Most critical reviews (10 lowest-rated) ### 1/5 — Niyo application not working *2026-05-22, version 3.71.0* After update app is not working. Its in black screen ### 1/5 — Transaction cancelled yet the money got debited in the ATM *2026-04-05, version 3.63.0* 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. ### 1/5 — Serious Security Issue Ignored, endless Waiting, No Real Solution. *2026-04-03, version 3.63.0* 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. ### 1/5 — Customer Service *2026-03-23* They have the worst possible customer service I am trying to close my account for past 2 months and their team are directing me to send an email and the email team has been unresponsive **Developer response:** Hey Arpit! We regret the inconvenience caused and understand your disappointment at not being able to receive a proper resolution for the past 2 months. We tried locating your details using the username provided, but were unable to find them at the moment. We request you to kindly share the ticket number for the email you raised so we can investigate and assist you at the earliest. We appreciate your kind understanding and cooperation. -AS ### 1/5 — takes tkmes for money to be updated *2026-03-11, version 3.59.1* slow service ### 1/5 — Scam..!!!!Can’t be trusted!! *2025-11-22, version 3.45.0* I was a Niyo Global customer, and for almost one year I didn’t have any issues. Suddenly my account disappeared from the app. When I contacted customer care, they told me they have stopped collaborating with the bank where they themselves opened my account, and now I have to deal with the bank directly. They also said Niyo has “nothing to do with this,” which leaves me completely trapped with no idea where my money is. I had heard similar stories before I opened the account, but I didn’t think it would happen to me. Now I’m stuck in limbo because of their irresponsible service. Not at all reliable.Think before you choose..!!! ### 1/5 — Dont open account here, it take ages to close it *2025-10-20* Its taking me more than 3 months and still counting to close account which i opened with Niyo. You cant close account with Niyo, you have go to SBM to do that. SBM is worst than Niyo at customer support. So, highly recommend not to use this faltu service, go for icici or hdfc no forex fee account atleast they work your concern with faster that this non responsive niyo and sbm. **Developer response:** Hi there, we’re truly sorry for the inconvenience caused and completely understand how disappointing this must’ve been. This isn’t the kind of experience we aim to deliver. Account closures are usually completed within 5–7 working days, and this seems to be an unfortunate delay. Please share your ticket ID or write to us at global.escalation@goniyo.com so we can check with the bank and ensure your account closure is completed smoothly. Thank you for your patience and understanding — we’ll make sure this is resolved at the earliest. -AS ### 1/5 — They removed send money to UPI ID in the new UI!!!! *2025-10-08, version 3.39.0* Hey, how do I send money to new recipients via UPI now? I am only able to select old recipients. ### 1/5 — Niyo does not work in US *2025-10-07* This is the worst app. I have deposited all my money in the SBM account, thinking that once I will go to the US, I can use this zero forex cards, but now when I’m trying to open this app, this is just spinning, spinning, spinning and not opening, so I am stuck and my money is also stuck. Please review this and fix your app so that it can work in the US and outside India. **Developer response:** Hey Suraj! We’re really sorry to hear about the trouble you’re facing with the app — we completely understand how concerning this must be, especially when you’re abroad. Unfortunately, we couldn’t locate your details with the username shared. Could you please try clearing the cache and reinstalling the app once? This usually fixes such loading issues. If the problem still persists, kindly share an error screen recording at global.escalation@goniyo.com and we’ll jump right in to help you get this resolved quickly. Your experience matters to us, and we’ll make sure this gets sorted! - SB ### 1/5 — Worst experience *2025-08-09, version 3.33.1* Never faced this much of worst customer care... requeted for account closure fews months before and still prolonging the process asking each different document through email.. now i couldnt open my app and witdraw the balance amount left..Account frozen due to KYC failure as I moved to abroad permenantly.. explained the situation many times and still they are trying to connect me through my indian number.. Now i am in a situation to approach banking ombudsman... Will not recommend to anyone. ## Most praised reviews (10 highest-rated) ### 5/5 — Good *2026-07-16, version 3.79.0* Good ### 5/5 — Miss *2026-06-29, version 3.77.0* Very guided person ### 5/5 — Niyo forex *2026-06-04, version 3.73.0* Lakhan Kumar was very helpful from Gurgaon branch . ### 5/5 — Excellent *2026-04-24, version 3.67.1* Excellent service ### 5/5 — Niyo travel card *2026-03-14* Onboarding- Very good and quick service **Developer response:** Hey Shreya! Thank you for dropping the review. 😊 It’s great to hear your start with us went well. We’re always working to make the journey simple and pleasant. -AS ### 5/5 — Student-friendly & Reliable DCB Bank (credit card is best) *2026-02-26* Overall, it’s a simple and student-friendly app, especially for people living abroad. FD-backed credit cards come with strict security rules. If you transact a large sum of your FD-linked limit or attempt a second payment at the same merchant, a chance for the transactions to get declined. In many cases, you must wait 24–48 hours before the same merchant can charge the card again. This makes the credit card experience feel complicated and sometimes inconvenient. After sharing this feedback, Niyo Global personally called me to explain the situation. Their support was considerate and transparent, and it’s clear that DCB Bank is actively working to improve services. The lien-amount concept is flexible and practical for first-time credit card users — it genuinely helps in learning credit discipline and timely repayments. The DCB debit card, however, has been extremely reliable. I’ve been using Niyo DCB since September 2025 and it has worked smoothly for international usage, even when many apps and credit cards show issues. I would recommend Niyo Global for students on short-to-medium stays abroad. **Developer response:** Hey Yashwanth! Thank you for taking the time to share this detailed feedback and for increasing the rating. We truly appreciate your balanced perspective. It’s great to know that the lien-based credit concept has been helpful in building credit discipline, and that your DCB debit card experience has been smooth for international usage since September 2025 — that’s exactly the reliability we aim to deliver. Your recommendation means a lot to us, especially for students planning short-to-medium stays abroad. We’ll continue working closely with the bank to enhance the overall experience. Thanks again for your trust and support! - SB ### 5/5 — Niyo travel card *2026-01-29, version 3.55.0* Great service ### 5/5 — Best Onboarding *2026-01-03, version 3.47.0* It was a good experience onboarding Niyo. It was smooth. ### 5/5 — Quick onboarding *2025-09-27, version 3.37.0* Very simple onboarding . ### 5/5 — Great service *2025-08-13, version 3.33.1* Surprisingly the card was delivered at doorstep completing the formalities online so fast. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*