Earn a whopping 7% interest p.a.*
with
0 Balance Account#

0

Zero Balance Savings Account

0%

0% Commission on Mutual Funds on NiyoX App

7%*

Enjoy industry best interest rates of 7%* p.a. on savings

Maximise your Earnings!

years

00,000/-

00,000/-
B1
00,000/-
B2
00,000/-
B3
00,000/-

Effortless Investing

Effortless Investing

DIY Investment: Invest in direct mutual funds and make your money work for you
Save and Earn: Invest in FD and earn exciting Interest rates.Coming Soon!

Security you can rely on!

Lock/Unlock: Not using your card? Misplaced it? ‘Lock’ your card temporarily and ‘Unlock’ it once you’re ready to use it again
Bank Deposit Insurance: Your money is always safe with an insurance cover of up to INR 5 L by the Deposit Insurance and Credit Guarantee Corporation (DICGC)

Exclusive Joining Offers

NiyoX decodes banking for millennials in the form of an intuitive and easy-to-use app, offering simple best digital savings account with the promise of making banking simple, safe and smart. The 2-in-1 offering of the 0 balance account gives you access to a wealth management suite as well so that your money works for you. It’s all quick and easy and 100% paperless. So open your zero balance savings account online while relaxing at home to enjoy industry best interest rates and 0% commission mutual funds investments!

Open your Online savings account instantly with NiyoX and earn a whopping 7% interest p.a*

Effortless investing

DIY Investment: New to investment? Find things difficult to understand? NiyoX is on a mission to demystify banking and gives you a 2-in-1 offering of zero balance savings account and wealth management with Niyo Money. Start investing in direct mutual funds with our helpful and up-to-date recommendations and make your money work for you. Investing in mutual funds has never been easier.

Save and Earn: Invest in FD with your digital bank account to earn exciting interest rates and watch your money grow with you.

Security you can rely on

Lock/Unlock certain channels: Not using your card? Misplaced it? ‘Lock’ your card temporarily and ‘Unlock’ it once you’re ready to use it again. You can also choose how to use your digital bank account by locking or adding limits for ATM withdrawals, international transfers, and domestic transfers.

Strong encryption: The process of zero balance account opening with NiyoX is quick, easy, and secure. We implement the best protocols and practices to keep your instant savings account safe so you can use it online as you want.

Bank Deposit Insurance: Your money is always safe with an insurance cover of up to ₹5 Lakh by the Deposit Insurance and Credit Guarantee Corporation (DICGC)

Exciting Onboarding Offers

When you open a savings account with NiyoX, you get a range of cool offers to choose from. We run frequent rewards programs where you can earn cashbacks on every transaction you make with your online bank account with zero balance. You can check them out on the NiyoX app or on the NiyoX Community.