Send money globally
at zero forex markup
Fully digital, high-speed, and secure international money transfer for education abroad
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High-speed, zero-fee global transfers
How it works
Enter details
Add the recipient and amount for your international remittance
Upload documents
Provide supporting documents for seamless verification
Track transfer
Monitor your international money transfer online in real time
Money credited
Funds reach the recipient within 2–3 working days
Works with top currencies to send money abroad from India easily.
United States Dollar
British Pound Sterling
Canadian Dollar
Euro
Hong Kong Dollars
Japanese Yen
Australian Dollar
Saudi Riyal
Singapore dollar
South African Rand
Swedish Krona
Swiss Franc
United Arab Emirates Dirham
New Zealand DollarTrusted by 1 million+ users in India for international money transfers
4.8 
(29k reviews)
4.6
(20k reviews)
Zero forex markup and lounge access made my travel stress-free. From Vietnam to Malaysia, Niyo made payments and ATM withdrawals super convenient.
I used Niyo across Dubai, Japan, and Bali. The smooth app, zero forex charges, and reliable ATM access made it my go-to travel companion.
Used it for everything—from POS to online bookings across Southeast Asia. Niyo made traveling cashless and saved me real money on conversion fees.
From Europe to Singapore, Niyo was smooth and reliable. Everything worked—from lounge access to POS, but skip the DCB variant.
Used Niyo in Europe and the Middle East. The app’s smooth UI and zero forex fees gave me total peace of mind while transacting abroad.
My Singapore, USA and Uzbekistan trips were so easy thanks to Niyo! Real-time spending alerts and seamless payments made it a must-have travel essential.
Used it all over Europe and the UK for POS and online bookings. It worked smoothly and saved me a ton on fees.
Booking flights, withdrawing cash, dining—Niyo handled it all. The seamless transactions and cost savings were better than any other card I’ve used.
From POS payments in UAE to shopping in Vietnam, Niyo offered unmatched ease. Great exchange rates, zero forex markup, and app support made it seamless.
Niyo made every trip easier—from Singapore MRT rides to visa bookings. Zero markup and instant notifications gave me full control of my expenses.
Frequently Asked Questions
Niyo makes international money transfers faster, more straightforward, and more cost-effective than traditional banks. Here’s how:
- Cheaper: No forex markup; you get real exchange rates.
- Safer: Your money is handled by RBI-regulated partners.
- Faster: Remittances usually arrive within 2–3 business days.
- Simpler: The process is entirely digital and app-based, with real-time tracking. Niyo is widely regarded as one of the best ways to send money internationally, particularly for students.
Currently, Niyo supports sending money abroad for education-related expenses such as:
- University tuition fees
- Student accommodation or rent
- Daily living expenses for international students This makes Niyo especially useful for families supporting students studying overseas.
Currently, only students and their close family members can use Niyo’s international money transfer service. Eligible family members include:
- Parents and grandparents
- Siblings and step-siblings
- Step-parents
- Spouse
The process is simple:
- Download and log in to the Niyo app.
- Select the remittance option and enter the recipient’s details.
- Upload required documents (e.g., passport, visa, university letter).
- Make payment via UPI or Internet banking.
- Track your international money transfer online in the app.
Niyo combines low cost, ease of use, and fast transfers:
- Real-time exchange rates with zero markup
- No hidden charges
- Fully digital and transparent process
- Customer support and document verification are built in These features make it one of the best ways to send money internationally, especially for students.