3.8.9 Safe to install
NiyoX: Revolutionizing Your Banking Experience

NiyoX offers a seamless and innovative digital banking solution that caters to the needs of modern consumers, enabling convenient financial management through its user-friendly app.
What is NiyoX, and what does it offer?
- NiyoX is a simplified banking solution.
- Opening a digital savings account with NiyoX is 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.
- NiyoX offers zero Account Maintenance Charges, 0% commission on Mutual Funds investment, and up to 7.8% interest p.a. on your savings.
- Get Personal Loans quick and 100% digital (Beta Rollout)
- 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 account(s) 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 rewards
- Virtual Debit Card for online transactions
- Card locks and limits for expense control
- A ZERO forex markup card for international transactions
- Exclusive onboarding deals and regular rewards
- 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?
- Zero balance requirement
- Zero commission on Mutual Funds Investments
- Up to 7.8% interest on your savings
- Digital Account with exceptional rewards
- ₹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
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 branches.
Discover banking simplified with NiyoX - your modern banking companion. You can reach out to our team at: [email protected]
Overview
NiyoX - Digital Banking is a Freeware software in the category Business developed by Finnew Solutions Pvt. Ltd..
The latest version of NiyoX - Digital Banking is 3.8.9, released on 12/29/2024. It was initially added to our database on 11/22/2023.
NiyoX - Digital Banking runs on the following operating systems: Android/iOS.
NiyoX - Digital Banking has not been rated by our users yet.
Pros
- Offers high interest rates on savings accounts compared to traditional banks.
- Provides a seamless and user-friendly digital banking experience.
- Offers various features like wealth management, expense tracking, and investment options.
- Provides 24/7 customer support.
- Easy and quick account opening process.
Cons
- Not available in all countries.
- Limited physical branch locations for in-person assistance.
- May have limited integration with existing financial tools or platforms.
- Possibility of encountering technical glitches or issues due to the digital nature of the service.

Peter Salakani
I'm Peter, a software reviews author at UpdateStar and content specialist with a keen focus on usability and performance. With a background in both software development and content creation, I bring a unique perspective to evaluating and discussing general software topics. When I'm not reviewing software, I enjoy staying updated on the latest tech trends, experimenting with new applications, and finding innovative solutions to everyday tech challenges.
Latest Reviews by Peter Salakani
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