There's a Genie
in the vault.
Watch your savings grow at an industry best rate 7% interest* per annum.
We’ve demystified banking for you
and made it smarter, safer and simpler.


Watch your savings grow at an industry best rate 7% interest* per annum.

You don’t need one account to save, and another to create wealth. You need just one Niyo X account for both.


Invest in mutual funds at zero commission and manage your entire mutual portfolio from one place with Niyo X.

With Niyo X, we do not charge your ever, whether you maintain your account balance or not.#

Don’t worry about your security as you can lock / unlock your card and set / reset your pin easily from the Niyo X app.

Enjoy a virtual debit card till your Platinum Visa Debit Card comes knocking.


Enjoy paperless instant account opening with Niyo X.
