We have many features on NiyoX such as:


  • You get a 0-balance savings account (there are no fees/charges for not having any amount in this account).
  • You can get upto 7% interest on this account.
  • You get a 0% commission mutual fund account (you don’t have to pay us anything to invest in any mutual funds of your choice).
  • You can use the debit card for international transactions and there are Zero Forex Markup charges on this (you don’t have to pay anything more than the exchange rate).
  • You can import your mutual funds from other platforms to NiyoX.
  • You can track your EPF balance here.
  • We have a feature that allows you to Auto-Invest Spare Change Every Time You Spend.
  • You have complete control over your card limits and card locks. You also have 2 card designs to choose from.
  • We offer a lot of rewards.
  • We are introducing personal loans.


We would love to hear from you about what other features you would like. Please visit the Niyo community and give us your feedback. It will help our teams to understand your needs and introduce new products!