The Mullingar teenager hit Los Angeles yesterday for spot of shopping.
But he kept away from the pricey boutiques of Rodeo Drive -- opting to go to a H&M outlet instead.
Niall -- dressed in blue trousers and matching T-shirt -- was trying to be as low-key as possible. But his two burly bodyguards gave the game away.
It has been reported that Niall (19) and his One Direction bandmates have an estimated fortune of more than €30m.
The early morning shopping trip saw Niall hit the high-street budget store H&M while he also made a quick stop in Armani Exchange.
Niall is not said to be worried about spending his riches and still gets his mum Maura to do his cooking and cleaning.
"Niall isn't one to go around flashing his cash about. It's just not his style," a source close to the singer said.