We’ve demystified banking for you
and made it smarter, safer and simpler.

#DECODE BANKING

There's a Genie
in the vault.

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


Future and Fortune,
now in one.

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


GEN Y OR GEN Z.
NO ONE LIKES COMMISSIONS.

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


Keep your account
idle or running.
We'll keep our
mouth shut.

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


Bless the thief.

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


Make sure you don't swipe your phone.

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


The only thing that takes time to process is your excitement.

Enjoy paperless instant account opening with Niyo X.