We tried reaching you but couldn’t get through. Please share your Visa invoice at global@goniyo.com from your registered email ID, along with your ticket number. If you already have an open ticket, feel free to share the number here—we’ll take it from there. Thanks for your patience!
Hello @saraswathi.r,
The ticket number is 182739.
Thank you for sharing the ticket ID. We have escalated the issue to the concerned team and we will ensure to keep you informed of further developments. We request your patience till then.
- If I close my Niyo account, can I open a fresh account ?
- If I close a particular Niyo account (say SBM), can I open a new account with say DCB ?
Hi @Asish_Bishoi
Welcome to the Niyo Community! 
We see that you have not created any accounts with us yet. We would like to inform you that if you create an account and close the same account later, the closed account cannot be reopened. However an account from the remaining partner bank can be opened via the app. Please feel free to reach out to our customer support via the the in-app chat support option or email us at “global@goniyo.com”. 
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travellers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything.
I want to make international transactions using Niyo Card, since they offer 0 Forex. But, I want to know - what are the approval rates ? Like, do the transactions get approved, or do they get declined often ? What is the frequency of decline (for valid scenarios ) ?
Hi @Asish_Bishoi,
We would like to inform you that the transactions via our cards go as per the daily Visa exchange rates. You can cross-verify the daily rates via this site: Exchange Rate Calculator | Visa | Visa
Also, the transactions will be processed without any forex markup fee and are usually seamless. However, the Niyo cards cannot be used for crypto, trading and betting/gambling purposes. We would request that you feel free to reach out to our in-app chat support or email us at global@goniyo.com if you are facing any difficulties with your international transaction, and we will hop in to assist you promptly.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travellers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything.
It is stuck on otp verified screen and I am unable to go further with the upi id creation.
Hi @Vinayak_Kumar_Naik,
We are sorry to hear that you are facing difficulties in creating UPI ID. We request that you share the error screenshot with us here or via global.escalation@goniyo.com and share the ticket ID so that we can assist you further.
Thank you for sharing the requested error screen recording. Kindly allow is a window to thororughly review your concern and assist you further.
Hi @Vinayak_Kumar_Naik,
We’re extremely sorry for the inconvenience caused. This is a known issue, and our team is already working on it. It’s expected to be resolved in an upcoming app update. Meanwhile, we recommend creating your UPI ID using third-party apps like Google Pay or PhonePe. We appreciate your understanding.
Hi. I had a Niyo Global FD based credit card. I have recently withdrawn the FD but my card still shows active on the app. I am given to understand on this platform that if you withdraw the FD, the card is automatically closed but mine still shows active. And the app still shows me the option of either blocking or closing the card. But everytime I click on close card, it just says something went wrong. Somehow it doesn’t move ahead. Can someone help?
Hi @Pranav_Pathak,
Welcome to the Niyo Community!
We sincerely apologize for the inconvenience caused. We’ve flagged this with the concerned team to get the issue checked at the earliest. Rest assured, we’re on it and will keep you updated. Thank you for your patience and for bringing this to our attention — we’re here to help!
Hi @Pranav_Pathak,
Thank you for your valuable time on the call. As discussed, we’re glad to hear that your issue has been resolved. It would be great if you could kindly confirm this so we can close the case from our end. We appreciate your cooperation!
Thank you, the issue has been resolved now.
Thank you for the confirmation @Pranav_Pathak. Should you require any further assistance, please feel free to write back. We’re here to help. Take care!
Hi,
I am planning to go to USA and have following questions before buying the card. Pls clarify them anyone.
- What is the time delay that I can use the amount after loading in the card
- Is there any inactivity Fee
- What is refund policy on amount in card
- Difference between dcb vs sbm debit card
Hey @Ajay_Adit
We understand your concerns, kindly allow us an oppurtunity to connect with you and asisst you promptly.
Hi @Ajay_Adit,
Welcome to the Niyo Community!
We tried calling you at 789xxxx089, but couldn’t connect. We will answer your inquiries here.
1. Any amount credited to your Niyo SBM or Niyo DCB savings account is available for immediate use. Both accounts function like regular savings accounts, supporting seamless credit and debit transactions.
2. There are no charges for account inactivity. However, for the Niyo SBM FD-backed credit card, if unused for a year, the card will be automatically blocked. A replacement card can be requested with a reissuance fee of ₹249 + GST.
3. Refunds on the Niyo SBM card take up to 5 working days for domestic transactions and up to 15 working days for international transactions, provided the refund is processed successfully and automatically. For more information on Terms, please visit goniyo.com.
4. Both Niyo SBM and Niyo DCB cards offer similar features, including zero forex markup. However, bank-specific charges such as annual maintenance and ATM withdrawal fees may vary. You can refer to the respective bank’s Schedule of Charges for detailed information:
* Niyo SBM: https://static.goniyo.com/legal/Niyo_SBM_SOC.pdf
*Niyo SBM credit card: https://static.goniyo.com/legal/Niyo%20Global%20SBM%20CC_SOC.pdf
*Niyo DCB: https://www.dcbbank.com/api/dcb/assets/2024-11/SOC-DCB-Niyo-Savings-Account.pdf
Hi, I want to connect, the contact number of mine listed below is incorrect not sure how so Will DM my contact number. Thanks.
