NiyoX Working Referral Code [SUBHA926702] : Get Scratch Card worth ₹1000

In this fast-paced digital world, everything has been digitized. From shopping to banking, all we need is just a click away. A savings account is a must in today’s world to make sure we are keeping something for our future. For this, there are so many physical and digital banks available. And today I have come up with an amazing app called, NiyoX. NiyoX is an online savings bank. It has more than just a savings bank. This post will cover all the important details about this app.

About NiyoX:-


NiyoX is a product of GoNiyo. It provides online banking services. NiyoX app is available on both Play Store and App Store. Within just a few minutes you can create your savings account, without even visiting a physical Bank. NiyoX aims at providing the most secure and safe platform where users can save and invest at the same time. 

What is NiyoX savings account?

NiyoX has partnered with Equitas Small Finance Bank and Zero commission Mutual Fund. The account that you open here is known as the NiyoX Equitas Digital Savings account. It is a 2 in 1 account which acts as your savings account as well as an investment account. There is no need to maintain a minimum balance every month, it can be zero as well. With this account, you can do UPI transactions, pay via POS, or at any E-commerce platform. Spending through NiyoX allows you to earn rewards. 

NiyoX Features

  • Open a zero balance savings account.
  • No minimum balance maintenance criteria.
  • Zero account maintenance charges.
  • Save and invest your money at the same time.
  • No commission is charged on investing in mutual funds.
  • Get an annual interest rate of 7%.
  • A customized Platinum Visa Debit card is also available.
  • Open an account in just a few minutes.
  • Track all your investments in one place.
  • Earn rewards upon using NiyoX at various payment methods. 

NiyoX Referral Code Apk App Download

NiyoX Referral Code SUBHA926702
Account Opening Bonus Get Scratch Card Upto ₹1000
Referral Bonus ₹125 Cashback
App Download Link

What are the documents required to open a NiyoX savings account? 

Following are the documents required to open a zero balance account in the NiyoX Equitas Digital Savings account:

  1. PAN Card
  2. Aadhar card

You have to use the same mobile number to register on the NiyoX app that is linked to your Aadhar card because a KYC verification will be fine that would require OTP.

How to open a NiyoX savings account?


Register yourself using the mobile number linked with your Aadhar card.

  • NiyoX


  • Provide your email address also.
  • For verification purposes provide your PAN Card and Aadhar card.
  • Virtual KYC verification would be done.
  • Enter all your personal details. 
  • And your zero balance account is ready to use.

Also Read: Fantasy Power 11 Referral code | Get Rs.100 On Sign up + Rs.10 Per Referral

What is Invest the Change?

The most unique feature of NiyoX is “Invest the Change”. It allows you to invest all the spare money that you have in your NiyoX Equitas Digital Savings account. Even a small investment will yield greater benefits in the future. 

Also Read: Fantasy Akhada Referral Code(PLAY100): Get Rs.500 on Sign Up

Final verdict:-

NiyoX is the best bank if you want to invest every penny you save. The Invest the Change feature allows you to invest the tiniest amount that you have in your bank. Moreover, the registration process is very easy and simple. Anybody who is above the age of 18 can open a NiyoX Equitas Digital Savings account. The bank works as per RBI norms, so it is highly secure and safe to use. Open your zero balance account today.

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