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Zero forex cards for your needs across the globe

Skip the 3-5% forex markup fee on all International transactions across 180+ countries

Apply with Niyo icon

Niyo offers a smart international travel card powered by trusted Indian banks. It lets you spend in 130+ currencies across 180+ countries with zero forex markup — so you save every time you swipe abroad.

Why Niyo

Zero Forex Markup

Before you start your guarantor application, we will need details of your accommodation. So, if you haven’t found it yet, you can use our free house finder service to get started.
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100% Digital. Zero Balance. Super Easy.

Set up in minutes. Load INR via UPI/IMPS. Lock/unlock your card, track spends, and manage everything from the app.

Designed for Students & Travelers

No need for USD or GBP loading drama — just swipe and let Niyo auto-convert from INR.

Why Trust Niyo

Banking Backed, RBI Regulated

Issued in partnership with top Indian banks (like SBM & DCB), fully regulated and deposits insured up to ₹5L.

Used by 1 Million+ Travelers

Rated 4.8★ on Google Play, 4.6★ on the App Store. Loved by students and frequent flyers.

Built for Peace of Mind

ISO-certified, PCI-compliant, and trusted by users in the US, UK, Dubai, Japan, Bali, and more.

Get in touch with us to know more

Don’t Just Take Our Word for It…

From first-timers to frequent flyers — they’ve all got something to say.

Yash R.

Verified customer

Monash University, Australia

Very convenient!

Honestly didn’t know what to pack. UniEssentials had this checklist and curated page that just made the whole thing simple. I clicked through and was sorted in 15 mins

Sangeeta M.

Verified customer

Parent of student in Germany

Peace of mind for Parents!

We didn’t know what exactly our daughter would need abroad. UniEssentials helped us send everything from pressure cookers to SIM cards in one go. It made us feel a bit more at peace.

Rohit D.

Verified customer

University of Toronto

Student-Savior!

I was shocked at how expensive basic stuff was in Canada. Thank God I found UniEssentials before leaving

Ananya R.

Verified customer

The University of Manchester

One-stop everything...

I ordered my laptop bag, extension cord, and kitchen stuff from UniEssentials before flying to the UK.

Loretta

Verified customer
Best Customer Service

The user-friendly interface and excellent customer service make shopping a breeze. Highly recommended.

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