Niyo Solutions

aid: niyo-solutions
name: Niyo Solutions
description: 'Niyo Solutions (brand: Niyo, goniyo.com) is a Bengaluru, India based consumer fintech founded in 2015 by Vinay
  Bagri and Virender Bisht, focused on international travel banking and savings for Indian retail customers. Niyo is not a
  chartered bank; it operates as a neo-banking front end layered on partner RBI-licensed banks — DCB Bank (current flagship
  for the Niyo zero-forex savings + debit card), SBM Bank India (previous "Niyo Global" forex card, now wound down for new
  customers and operating a secured credit card variant), Equitas Small Finance Bank (salary / "Niyo Bharat" account) and
  IDFC FIRST Bank (earlier Niyo Global issuer) — plus card network rails (Visa, RuPay). Niyo''s flagship surface is the "zero
  forex markup" Niyo Global / DCB Niyo Global / SBM Niyo Global Visa debit and prepaid travel cards accepted in 180+ countries,
  paired with a digital savings account delivered through partner banks. The company has expanded beyond cards into a full
  travel-banking stack including currency exchange and forex cash delivery, outbound remittance (Send Money Abroad), international
  flights, hotels and curated experiences, Niyo Express airport services, an international travel eSIM, travel visa assistance,
  travel insurance, a premium subscription tier, a student program (Niyo Scholarship, NISAP) and a DCB Niyo Secured Credit
  Card backed by a fixed deposit. Niyo serves over one million international travellers and has raised capital from investors
  including Accel, Lightrock, Beams Fintech Fund, Tencent, Horizons Ventures, Prime Venture Partners and JS Capital. There
  is no public REST developer API, partner banking-as-a-service surface, SDK, MCP server, or GitHub organisation — Niyo is
  delivered exclusively as a B2C iOS and Android mobile application with a marketing and tools website at goniyo.com.'
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/niyo-solutions.png
tags:
- Fintech
- Neobank
- Consumer Banking
- Travel Banking
- Forex Card
- Zero Forex Markup
- Multi-Currency
- Prepaid Card
- Debit Card
- Secured Credit Card
- Savings Account
- Outbound Remittance
- Currency Exchange
- Travel eSIM
- Travel Insurance
- Flights
- Hotels
- Visa
- Student Banking
- Salary Account
- India
- DCB Bank
- SBM Bank India
- Equitas Small Finance Bank
- IDFC FIRST Bank
- RuPay
- Mobile Banking
tags_raw:
- Fintech
- Neobank
- Consumer Banking
- Travel Banking
- Forex Card
- Zero Forex Markup
- Multi Currency
- Prepaid Card
- Debit Card
- Secured Credit Card
- Savings Account
- Outbound Remittance
- Currency Exchange
- Travel eSIM
- Travel Insurance
- Flights
- Hotels
- Visa
- Student Banking
- Salary Account
- India
- DCB Bank
- SBM Bank India
- Equitas Small Finance Bank
- IDFC FIRST Bank
- Visa
- RuPay
- Mobile Banking
url: https://raw.githubusercontent.com/api-evangelist/niyo-solutions/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/niyo-solutions-domain-security.yml
- type: Website
  url: https://www.goniyo.com
- type: About
  url: https://www.goniyo.com/about-us
- type: MediaPR
  url: https://www.goniyo.com/media-pr
- type: InvestorRelations
  url: https://www.goniyo.com/investor-relations
- type: Contact
  url: https://www.goniyo.com/contact-us
- type: Legal
  url: https://www.goniyo.com/legal
- type: Privacy
  url: https://www.goniyo.com/privacy-policy
- type: DataDeletion
  url: https://www.goniyo.com/data-account-deletion
- type: Sitemap
  url: https://www.goniyo.com/sitemap
- type: ZeroForexCard
  url: https://www.goniyo.com/zero-forex-card
- type: DCBNiyoCard
  url: https://www.goniyo.com/dcb
- type: SBMNiyoCard
  url: https://www.goniyo.com/sbm
- type: SBMSecuredCreditCard
  url: https://www.goniyo.com/sbm-scc
- type: ForexCash
  url: https://www.goniyo.com/forex-cash
- type: CurrencyExchange
  url: https://www.goniyo.com/currency-exchange
- type: CurrencyConverter
  url: https://www.goniyo.com/currency-converter
- type: SendMoneyAbroad
  url: https://www.goniyo.com/send-money-abroad
- type: Travel
  url: https://www.goniyo.com/travel
- type: InternationalEsim
  url: https://www.goniyo.com/international-esim
- type: NiyoExpress
  url: https://www.goniyo.com/niyo-express
- type: Premium
  url: https://www.goniyo.com/premium
- type: Students
  url: https://www.goniyo.com/student
- type: Offers
  url: https://www.goniyo.com/offers
- type: Blog
  url: https://www.goniyo.com/blog
- type: SalaryCalculator
  url: https://www.goniyo.com/salary-calculator
- type: EMICalculator
  url: https://www.goniyo.com/personal-loan-emi-calculator
- type: PartnerBankDCB
  url: https://www.dcbbank.com
- type: PartnerBankSBM
  url: https://www.sbmbank.co.in
- type: PartnerBankEquitas
  url: https://www.equitasbank.com
- type: PartnerBankIDFCFirst
  url: https://www.idfcfirstbank.com
- type: LinkedIn
  url: https://www.linkedin.com/company/niyo-solutions-inc-
- type: Twitter
  url: https://twitter.com/goniyo
- type: Facebook
  url: https://www.facebook.com/goniyoapp
- type: Instagram
  url: https://www.instagram.com/goniyo
- type: YouTube
  url: https://www.youtube.com/@goniyo
- type: iOSApp
  url: https://apps.apple.com/in/app/niyo-global-travel-forex-card/id1131725206
- type: AndroidApp
  url: https://play.google.com/store/details?id=com.finbit.eclat
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com