Hey @Naman321! If you are holding a Niyo Global SBM account, please note that you will always load only INR to your account. Whenever you make an international transaction, INR in your account will be converted to that country’s local currency based on the live Visa exchange rate. You can view the exchange rate in your Niyo Global app under the Currency Converter option.
So I believe that you need not worry about depositing cash at ATMs or visiting any branch. There’s no forex fee on international transactions. For international ATM withdrawals, you will be charged Rs.100+GST as a transaction fee from the SBM bank side.