I love the savings Niyo gives me on international spends and the app is generally easy to use. My frustration is with support, when my card got temporarily blocked overseas, reaching a human took far too long and caused anxiety mid-trip. The product is great but the service safety net needs work.
Real forex savings, easy app
Slow support during emergencies
Niyo's zero forex markup card saved me a noticeable amount on my last trip abroad, which is a huge plus. For day-to-day domestic banking, though, the experience is more ordinary and I have hit the occasional app glitch. As a travel companion it shines, but as an everyday account I am undecided.
Zero forex markup on travel spends
Ordinary for everyday domestic use
Using the Niyo card across three countries last month, I paid no hidden forex markup and got near-perfect exchange rates, which is unheard of with regular bank cards. Loading money via the app was instant and I could track every swipe in real time. For frequent travellers this is an absolute must-have.
Excellent rates, real-time tracking
Niyo has genuinely changed how I spend overseas, the zero markup card paired with instant in-app currency tracking makes international trips so much cheaper. ATM withdrawals abroad were smooth and the card was accepted everywhere I tried. Setting it up before my trip took barely a few minutes.
Huge savings abroad, hassle-free setup
Niyo's travel card and digital savings account have served me well, especially the transparent forex rates and the clean app. The only minor issue was that loading a large amount once triggered an extra verification that delayed me by a few hours. Beyond that, it has been a dependable travel companion.
Transparent forex rates, clean app
Extra verification on large loads