I applied for a Niyo Global Debit Card for its 0 Foreign Currency Markup and got an account with them. Have not used the account at all other than making some UPI transfers for making payments in Foreign Currency. I did not even visit the bank of have someone from the bank visit me, just an aadhaar based e-kyc during the initial lockdown in April and the Welcome Kit alongwith my Niyo card was delivered in 10-15 days, although I got a call and an SMS saying that my account is limited to Rs 1 Lakh per month until I do a physical KYC. The account is truly 0 balance as of now, Free Unlimited ATM withdrawals, have not been charged anything for the SMS alerts. Got Rs 101 from their side for opening the account 😛 , and the Interest rate is 2% for balance below 1 Lakh and 7% for balance above 1 Lakh upto 1 crore.