Hey @Troid,
Welcome to the Niyo Community! 
Thanks for reaching out. Here’s what you need to know:
(a) If you close your Niyo SBM account, you won’t be able to reopen an account with SBM Bank. However, you can apply for a new account with our other partner bank, DCB Bank, subject to their eligibility criteria at the time of reapplying.
(b) If you permanently block your debit card, a new virtual card won’t be issued automatically for free. You’ll need to request a replacement, which comes with a fee of ₹293 (as shown in the app).
(c) If you lock your debit card instead of permanently blocking it, no replacement fee will be charged. You can unlock the card anytime via the app and continue using it without any additional costs.
Regarding fees: Charges apply only if you request a new card after permanently blocking your existing one. Locking the card does not incur any charges.
As for your savings balance, you can deposit ₹5,000 in your Niyo SBM account and transfer it to another bank anytime via IMPS, NEFT, or UPI using the app.
Hope this helps! Let us know if you have any further queries. 
