Niyo

Niyo is an Indian fintech focused on international travellers and students. Its zero forex cards can be loaded in rupees and used in more than 180 countries without a forex markup, joining or annual fees, with cards delivered within 24 hours and support around the clock while abroad. The app also covers currency exchange, sending money abroad, visas, flights and hotels, plus offerings aimed at students and teenagers. Cards are issued in partnership with banks.