Niyo Clone Script | Zero Forex Card & Travel-Focused Fintech App Development

Launch a powerful travel-focused fintech platform like Niyo that offers zero forex markup cards, global payments, INR-based spending abroad, and travel benefits. Our Niyo Clone Script enables businesses to build a secure, scalable, and fully customizable international card and travel banking solution.

 Overview of OFX clone app features for global transfers

Overview – Niyo Clone App Development

The Niyo Clone Script is a ready-made fintech solution designed to replicate the core functionality of the Niyo app. It focuses on zero forex markup debit and credit cards, international payments, UPI transactions, and travel-friendly financial services. This solution is ideal for fintech startups, travel fintech companies, NBFCs, and financial institutions aiming to offer global payment cards and travel-ready financial tools for frequent travellers, students studying abroad, and international business users.

Why Choose Our Niyo Clone Script?

Zero Forex Markup Card Solution

Enable international card payments without forex markup, helping users save on every overseas transaction while spending directly from INR balances.

Travel-Focused Fintech Platform

Designed specifically for travellers, students, and global users with features like international ATM access, lounge benefits, and travel utilities.

Fast Digital & Assisted Onboarding

Supports instant digital onboarding along with optional assisted KYC and doorstep verification workflows.

Global Usage Enablement

Allow users to use cards and payment services in 180+ countries with seamless international acceptance.

Secure & Compliant Architecture

Built with encryption, secure APIs, card security layers, and compliance-ready modules for safe financial operations.

Powerful Admin & Operations Panel

Admins can manage cards, users, KYC, transactions, rewards, delivery workflows, and global settings from one dashboard.

Key Features of Niyo Clone App

Zero Forex Markup Debit & Credit Cards

Offer international debit and credit cards that allow users to spend globally without paying forex markup, making overseas transactions cost-effective.

INR-Based Global Spending

Users can add money in INR and transact abroad in local currencies without needing multi-currency accounts or separate forex cards.

Instant Account Opening & KYC

Users can open accounts digitally through app-based KYC or video verification, with optional assisted doorstep verification support.
 Overview of OFX clone app features for global transfers
 Overview of OFX clone app features for global transfers

UPI Payments Integration

Enable UPI payments for domestic transactions, allowing users to make QR and merchant payments directly from their app.

International ATM Withdrawals

Support global ATM withdrawals with free or limited free withdrawals per period, making cash access easy abroad.

Rewards & Coins Program

A built-in rewards system that allows users to earn coins on spends, bill payments, and services, redeemable within the app.

What We Offer in Niyo Clone Script

Android & iOS Mobile Applications
High-performance mobile apps offering a smooth, secure, and travel-friendly user experience across Android and iOS devices.
Web-Based User Dashboard
A responsive web platform allowing users to manage accounts, balances, transfers, and transaction history
Admin & Sub-Admin Panel
A centralized backend to manage users, KYC approvals, card issuance, transactions, rewards, and operational workflows.
Card Management System
End-to-end card lifecycle management including issuance, activation, limits, blocking, unblocking, and usage controls.
Travel & Utility Service Modules
Integrated KYC verification to validate users, prevent fraud, and meet regulatory requirements.
 Overview of OFX clone app features for global transfers

User Application Flow

Peer to Peer Payment App Splash Screen

Splash Screen

App includes attractive splash screens.

Congratulations

After verification the user will get a congratulations message.

Peer to Peer App Login Interface
User Verification Screen for Payment App

Verification

This is the major section of an app; the user can sign-in with the social network or email account credentials.

Home

Home page includes recharge, pay bill, send money, etc

Payment App Home Dashboard
Money Transfer Interface in Wallet App

Money Transfer

Users can seamlessly transfer money to and from bank accounts.

Bills Pay

​Users can pay the bills via their registered bank accounts so as to maintain track of all the cash flows in a convenient way.

Money Transfer Interface in Wallet App
QR Scan Payment Screen

Provider List

​Provider list includes accounts added as beneficiary.

Scan

We empower the wallets with a powerful QR code scanner within the mobile payment apps.

Provider List Interface in Wallet App
Payment Success Confirmation Screen

Send Money

The users can make use of the advanced eWallet app for paying bills at the dedicated shopping centers.

FAQ - Frequently Ask Question

It is a ready-made fintech solution to build a Niyo-like app offering zero forex markup cards and travel-focused financial services.
Yes, the platform is designed to support zero forex markup card transactions for international spending.
Yes, users can add money in INR and spend abroad without maintaining multiple currency accounts.
Yes, the solution supports digital KYC and optional assisted doorstep verification workflows.
Yes, installation assistance, documentation, and technical support are provided for smooth platform launch.

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