DECODE CHARGES. DECODE COMMISSIONS. DECODE COMPOUNDING.

#DECODE BANKING

A power packed account making your banking experience smarter, safer and simpler.

Watch Bulls and Bears...only in Animal Planet

Because the ones in the market won’t bother you. With NiyoX, you are sure to earn 7% interest* every year, no matter what happens outside.

And then you have the benefit of compounding, cherry on top!


You have to maintain....A Poker Face

It might be difficult to stop smiling, when you know we won’t pester you for the account balance.

So, Zero Balance Account#
Promise!


We’ll spoil you...with choice!

A chic caricature design debit card or one with a smart geeky morse code, it’s all yours to decide.

Pick the card that goes well with your suave and swipe around with style.


Get yourself onboarded....
in style!asked for an autograph

Enjoy paperless, and instant account opening with NiyoX. All we need is your PAN no, Aadhar and mobile number and you’re good to go.


We want our share....only when it's a cake

Your returns are completely yours. Invest in Mutual Funds at zero commission on your NiyoX App and secure maximum returns.


Exclusive Joining Offers

Frequently Encountered Thoughts

Compounding interest is fine, but it will probably take time to create a bank account

If you want to open a bank account online, you only need a few minutes with NiyoX. Much less than watching a 40 minute TV episode, or even one of 24 minutes. It’s even less than a 10 minute sketch comedy episode, something like Shin Chan (we also make it just as fun)

I wonder if they said the Zero Account Maintenance Charges thing with a poker face

We couldn’t, because we’re offering you one of the best savings bank accounts online that absolutely 100% charges zero maintenance fees, and it makes us giddy! We always get excited to offer modern banking bits like instant bank account opening online with zero balance.

The card designs are their choice, not mine

We’re always open to user feedback on the NiyoX community page, and card design is not off-limits for suggestions, because virtually nothing is (except, maybe our virtual card, which is literally virtual). User input drives our decisions, and ideas for online debit cards are always welcome.

What’s the autograph bit? I only saw the PAN, Aadhaar, and Mobile Number

To apply for a bank account online with the NiyoX app, you’d need to give us your digital signature. We do things by the book, an e-book more like since everything is paperless with NiyoX. You can choose to upload an existing copy of your sign, or draw your sign on the screen. And yeah, the only documents you need to have on hand are your PAN and Aadhaar.

I don’t buy it. There’s probably going to be something that I will have to share.

Nothing (except for maybe that cake slice). In fact, we’ll share up-to-date mutual fund recommendations with you instead. What you gain by investing through NiyoX is for you to keep, since it’s all with 0% commission.

What if I lock the card by mistake? And who DO I call in case something happens?

Locking your card is not just easy, it’s temporary as well. You can unlock it whenever you want. You can also lock or set limits for specific channels on your debit card like ATM withdrawal, online payments, card swipes, etc.

You can contact us through our in-app chat or WhatsApp support. No need to call 911 when you have NiyoX and its 007.

I have more thoughts, different thoughts from these.

We encourage you to ask questions, and not in the teacherly manner. We like talking to you, so if you have a question, you can raise a ticket from the app, or browse the FAQ section or the NiyoX Community where users can interact with each other and offer their feedback.