Hi @srim,
Welcome to the Niyo Community! 
1. We would like to inform you that an amount equivalent up to Rs. 1,00,000 can be withdrawn per transaction/day in AED,
2. As VISA rates fluctuate daily, the exact AED amount may vary. Today, Rs. 1,00,000 is approximately 4325.824 AED. You can check live rates in the in-app currency converter.
3. The limit resets every day at 12 AM IST.
Thank you. Can you also answer how much cash does dubai atm dispense in 1 transaction.
Also TCS is collected post 7l or 10L for any foreign expenses? If forex is ordered through NIyo (example 2.5 Lakhs) so this amount is also considered for calculating the limit for TCS?
Hi @srim,
We regret to inform you that we do not have information on the functioning or cash dispensing limits of international ATMs. We recommend checking with the respective ATM provider for specific limits.
Regarding TCS, it applies only if your international transactions exceed Rs. 7 lakhs under the LRS. However, we are still awaiting complete guidelines on LRS limits for the current financial year from our partner banks and will keep you posted once we receive further updates. 
Assuming 7L is TCS limit, Can you please be bit more clear on if forex is ordered for 2.5L through Niyo app, will TCS limit be 4.5L or still 7L?
Hi @srim,
Please note that TCS is applicable only on the amount exceeding the prescribed limit. Based on your example, if your international transaction is Rs. 2.5 lakhs, there will be no TCS, but if your transaction is Rs. 8 lakhs and the TCS threshold is Rs. 7 lakhs, then TCS will be calculated only on the excess Rs. 1 lakh. Kindly share your contact number to our DM by just clicking on My Profile → Message, so that we can call you to assist further. 
Hey, i saw an email few days back which says there is some update regarding charges on niyo global card. Can you please explain if we have to bear charges on debit card now which was lifetime free until now?
Hi @Nalin_Ajmera,
Welcome to the Niyo Community! 
As per SBM Bank’s recent update, an Annual Maintenance Charge (AMC) of ₹423 + GST will be applicable from July 2025. However, this fee will be waived if you maintain an average monthly balance of ₹5,000 in the three months prior to your account anniversary.
For instance:
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If your account was opened in September 2024, maintaining ₹5,000 in June, July, and August 2025 will waive the fee.
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If your account was opened in or before July 2024, the waiver will apply if the balance is maintained in April, May, and June 2025.
Additionally, if you hold a Niyo SBM Secured Credit Card, the AMC will also be waived if you either maintain the ₹5,000 average balance or have an active FD under the credit card during the 10th, 11th, and 12th months prior to the anniversary. Meeting either condition is sufficient.
We hope this helps clarify your query. Let us know if you need any further assistance!
Can you please help to open SBM Dcb bank account. Currently I am not getting any option for DCB in Niyo app as I am holding SBM bank account
Hi @hi0076,
As discussed over the call, please proceed with your DCB onboarding in the app as guided. It was a pleasure assisting you 
Feel free to reach out anytime if you have further queries—we’re happy to help!
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.
Hey @Hadee_Faiz
We tried calling you, but unfortunately, we couldn’t connect. We regret to inform you that we’re unable to process your account closure request at our end, as we haven’t received consent from your registered email ID, and the bank has rejected the request due to security reasons.
Additionally, we could not locate any alternate option to proceed with the account closure. Given the limited access in such cases, we will not be able to take this request forward from our side. We kindly request that you coordinate directly with the bank for further assistance. You may contact them at 1800 209 9335 or write to customercare@sbmbank.co.in. Alternatively, you can also visit the nearest branch.
To locate branch details, please use the following link: 
Contact Us - SBM Bank India We truly appreciate your cooperation and understanding in this matter.
Account closing notice from dcb bank. I got mail from dcb bank that my account is getting closed. Can I know the reason
Hi @Ayush_Dey,
We’re sorry to hear you received an email stating your account is closed.
Please share a screenshot of the email via DM by clicking on our profile → Message. We’ll review the details and assist you further. You may also contact them directly at 04068157777 / 02268997777 or email us at niyoglobal@dcbbank.com for further assistance.
Hi @Ayush_Dey,
We’ve checked with DCB Bank and found that the account closure notice was sent due to incomplete or unclear documents, such as the PAN Card or KYC. To prevent closure, please visit the nearest DCB Bank branch with the necessary documents.
You can find the nearest branch here: DCB Bank Branch Locator.
Okay so the issue is I am in Japan and I am incapable visit the bank before the mentioned date .
Today I got another mail saying thatthe credit function for my account is suspended. But the issue is I have purchased a online tickets in japan and cancelled that ticket. So they gonna process my return but if the credit functionality is paused so how I can get the refund provided by them?
Like there was no initial notice regarding closing of the credit functionality.
Hi @Ayush_Dey,
We understand your concern regarding the refund. Since you’re currently abroad, we recommend reaching out to DCB Bank directly by emailing them at customercare@dcbbank.com or calling +91 22 61271000 / +91 22 68997777 for further assistance. 
Hi
While creating account I’ve entered wrong secind name in Pancard details now it’s showing pan and adhar is not matching
Kindly suggest me how to clrear this issue
Welcome to the Niyo Community!
We’ve tried reaching you on a call but couldn’t get connected. Allow us a brief window to get this checked and assist you further. Thank you for your patience!
Hello,
My verified by visa is blocked can you tell me the procedure to unlock it.
We understand your concern regarding the VISA approval. We recommend getting in touch directly with our Visa team for quick assistance.
You can call them at 1800-547-5030
Or write to them at support@visa2fly.com
They’ll be happy to help you with the procedure to get it approved. Let us know if you need anything else — we’re here for you! 
Hello,
It’s not for a visa for a country. But my niyo card - verified by visa is blocked.
Someone please help
