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Niyo: Global cards for travel

Niyo: Global cards for travel

Zero Forex Card, Cash & Travel

558 ratings
122 reviews
💰 Finance
✈️ Travel
Free

Details

Released
September 5, 2022
Updated
November 2, 2026

Developer

Niyo Solutions Inc
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🎪1 available
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❓5 answered
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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 about Niyo

Reviews of Niyo are mostly negative: the Finance app is rated 4.5/5 from 558 App Store ratings. What users like most: smooth onboarding, great service. Top complaints: frequent app crashes, KYC issues for international users. Summarized from real user reviews.

Positive things

  • 🚀Smooth onboarding
  • 👍Great service
  • 🚀Quick card delivery
  • 💡Useful for international travel

Negative things

  • 🐛Frequent app crashes
  • 🔒KYC issues for international users
  • 💰High conversion/forex charges
  • 🔒Account freezing/closure issues
  • 👎Poor customer support
See all reviews
+1

What's New in Niyo

3.95.0

November 2, 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!
Event EndedMajor Update

Niyo just got a full makeover!

Zero forex fees on travel across the globe

Aug 20, 2025 — Sep 5, 2025

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Good

Good
GGrootday

Miss

Very guided person
Ssarruu🖇️

Niyo forex

Lakhan Kumar was very helpful from Gurgaon branch .
SRSuhani rathee

Niyo application not working

After update app is not working. Its in black screen
MMobin-

Response from developer

Hey there! We’re truly sorry to hear that you're hitting a black screen after the latest update. That is definitely not the smooth experience we want you to have. Please try offloading and reinstalling the app to see if that clears up the issue. If the black screen persists, we want to get this fixed for you right away. We request that you please drop us an email along with the screen recording of the error at global.escalation@goniyo.com so that we can look into it and assist you at the earliest. -AS

Excellent

Excellent service
NMNeelam Kaur Mannu
See 117 more reviews

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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.