Help Centre

Getting Started 12

• What is Niyo X all about? - NiyoX
• Tell me more about Equitas Small Finance Bank - NiyoX
• How secure is this account? - NiyoX
• What type of account is this? - NiyoX
• Who all can apply for a Niyo X account? - NiyoX

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Onboarding 6

• Is there a minimum balance I need to maintain for this account? - NiyoX
• Are there any penalty charges for non maintenance of average monthly balance? - NiyoX
• How is my Average monthly balance (AMB) calculated? - NiyoX
• Which cities is Niyo currently serving? - NiyoX
• Can I open a NiyoX Account by going to the Niyo office or the Equitas Small Finance Bank branch? - NiyoX

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Verify your identity 10

• What are the documents needed to complete KYC? - NiyoX
• Why should I share my PAN and Aadhaar Number? - NiyoX
• What if I do not have my PAN/Aadhaar number? - NiyoX
• Why do I need access to my Aadhaar-linked phone number? - NiyoX
• What do you mean by 'I have not opened any other account using Aadhaar OTP' in the TnC? - NiyoX

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Tell us about yourself... 7

• Can I edit the name on the card after my account is created? - NiyoX
• What are the details to be updated? - NiyoX
• Income Declaration - NiyoX
• How many nominees can I add? - NiyoX
• Why add nominees? - NiyoX

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Consents & Declarations 6

• Why is CRIF report required to open a Niyo X Account? - NiyoX
• Why is CKYC required to open Niyo X Account? - NiyoX
• What if I do not want a 2 in 1 account ? - NiyoX
• Why should I provide a digital signature? - NiyoX
• Will a low CRIF score affect my account creation process? - NiyoX

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Card Activation 13

• Can I activate my card without having a physical card? - NiyoX
• What kinds of transactions can I do once I get my physical debit card? - NiyoX
• What are the benefits of seeing my card details in-app? How helpful is it? - NiyoX
• What is the transaction limit before completing Biometric KYC?
• What is the transaction limit after completing Biometric KYC? - NiyoX

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Getting the Card 18

• When will the card be delivered?
• Which address will the card be delivered to? - NiyoX
• How to track Platinum VISA Debit Card Delivery?
• How do I change my communication address? - NiyoX
• What will my Welcome Kit contain? - NiyoX

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Debit Card 12

• What is the average monthly balance(AMB) and what are the charges if I fail to maintain AMB? - NiyoX
• Is there a limit on debit card transactions?
• Is there a fee for ATM withdrawals? - NiyoX
• How do I change my ATM PIN? - NiyoX
• How can I lock/unlock my card? - NiyoX

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Adding Money to Niyo X Account 5

• How do I load money into my Niyo X account? - NiyoX
• Can I load cash into my Niyo X card? - NiyoX
• Do we have a facility to add cash through an ATM machine? - NiyoX
• What are the cheque collection charges? - NiyoX
• How to create your UPI ID for the NiyoX savings account. - NiyoX

Transactions 14

• How much interest will I earn?
• What kinds of transactions can I use this card for?
• Where can I see the refunds I have received?
• Is there a way to track my transactions?
• How can I dispute a merchant transaction?

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Biometric KYC 7

• What benefits will I get on successful completion of Biometric KYC? - NiyoX
• Do I need to pay anything for getting my Biometric KYC done? - NiyoX
• Will I have to get it done repeatedly or it will be a one-time process? - NiyoX
• How can I book a Biometric KYC appointment? - NiyoX
• What all will I have to provide to book a slot for my biometric appointment? - NiyoX

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Rewards 29

• Are there any rewards/points that I will earn, when using the Niyo Equitas account? - NiyoX
• Equinox Rewards FAQs - NiyoX
• What is Equinox Rewards? - NiyoX
• Why should I join Equinox Rewards? - NiyoX
• How do I become a member of Equinox Rewards? - NiyoX

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On Going Offers - NiyoX 2

• Cashback Offers
• Equinox Offers - NiyoX

AEPS 3

• How NiyoX customer can avail/activate AEPS?
• How much time does it take to activate the AEPS?
• How much time does it take to update addresses in bank records, from Equitas internet banking portal or by visiting a bank branch?