Hey @NIYOCOMM20241021AAQK
Welcome to the Niyo Community! 
We’re sorry to inform you that creating an offline account with SBM Bank is currently facing some challenges on the bank’s end. However, we invite you to check out our Niyo DCB debit card, which offers similar benefits!
To learn more, please visit this link https://static.goniyo.com/community/Niyo’s+Suite+of+Products.pdf
If you have any questions or need assistance with onboarding, our live in-app chat team is here to help, or you can reach out to us at “onb-global@goniyo.com”. Thank you for your understanding!
