Study abroad smarter
Save upto ₹2 Lakh with Niyo's Zero Forex Suite
Unlock Zero Forex Card benefits & Fee-Free international money transfers for tuition and daily expenses.
- Zero Forex Card: Load INR, spend 130+ currencies.
- Zero Fee International Money Transfers: Send money abroad, no charges.
*T&C applied
5 Lakh+ Indian students trust Niyo for saving ₹2 Lakh+ yearly with Zero Forex
Ace your international spends with Niyo!
Zero Forex Card
Niyo debit and credit cards offer zero forex markup fee* and slash your expenses by up to 5% on every swipe.
Load INR, spend globally
Add money instantly via UPI / IMPS and spend in 130+ foreign currencies in 180+ countries
Zero Fee International Money Transfers
Pay Zero Forex, Zero Swift and Zero hidden charges on your International Money Transfer*
Earn upto 8% interest!
On Niyo account balance, earn upo 8% interest, thats better than many other fixed deposits.
No Joining Fee!
Zero Forex Cards at Zero Charges, order your card and enjoy the benefits for free.
Same day card delivery !
In select cities, get your card delivered at doorstep.
We have more for you
Niyo Flight Scholarships
Win a free one-way flight ticket to your study abroad destination.
- 20 scholarships
- Open to all UG/PG Students
- Only for 2025 fall applicants
Niyo International Student Ambassador Program 2025
Become the face of Niyo and join 500+ student ambassadors helping Indian students save on international spends.
- Be a part of exclusive global network
- Earn cash and rewards
The Globetrotter’s Yearbook
I watched a video about the Niyo card on YouTube and decided to get one for myself and my parents. Since receiving the card, I've used it in the UAE and found it to be widely accepted everywhere. My experience with Niyo has been fantastic!
I have been using the Niyo DCB debit card as well Equitas debit card for POS payments in UK, Europe, Turkey, Bahrain, Dubai and Azerbaijan. I have taken out minimal cash from ATM but most of the transactions have been from POS and few times online, while paying visa fee.
Niyo is that blessing in disguise that we all wanted but nobody offered. It is a one stop solution for any kind of money transaction you would like to do abroad. I have been a loyal user of Niyo for past 2 years and have already referred a dozen people in my circle.
During our recent trip to Dubai, the Niyo card was a lifesaver. We used it everywhere, just like a regular ATM card and it never let us down. Whether we were dining out or shopping, the Niyo card was there, making everything easy and hassle-free. It really made our trip a lot smoother and we'll definitely be taking it with us on our future travels.
Using my Niyo card abroad has been fantastic! The zero forex markup, along with seamless transactions and great exchange rates, has made my travels stress-free. I particularly appreciate the instant notifications and easy currency conversions, which have made managing finances on-the-go a breeze.
I've taken Niyo debit and credit cards on three international trips, and they've been absolutely flawless. The real game-changer? Zero foreign conversion fees! The Niyo app has also made managing travel expenses so much easier and economical. Highly recommended for anyone traveling abroad!
Our Trusted Partners
Security • Banking • Payments
