Hi there,
As there’s a RBI ban on Niyo Global DC by SBM for international usage, can’t we just apply for Niyo X DC by Equitas which offers the same features right?
We wouldn’t have to go on applying for a FD backed CC, if the above works.
Hi John,
Glad you enquired!
We offer 2 international debit cards which work absolutely fine for international transactions. Niyo Global Equitas and Niyo Global DCB.
The best part is that all our cards come with the benefit of zero forex markup, enabling you to make international transactions without any extra charges and save significantly. Our cards also come with a host of other exciting benefits that we’re sure you’ll love.
Both Niyo Global DCB and Niyo Global Equitas offer 0 balance savings accounts with attractive interest rates. With Niyo Global DCB Savings account, you can enjoy an interest rate of up to 7.25% with quarterly payout. On the other hand, Niyo Global Equitas provides an interest rate of up to 7.50% per annum. These accounts are designed to help you grow your savings while keeping your funds easily accessible.
Coming to ATM charges:
Niyo DCB card (current account), you have the benefit of one free international ATM transaction per month. However, any additional international ATM withdrawals within the same month will incur a charge of Rs. 100 + GST for each transaction.
As for domestic ATM charges, when using a DCB ATM, there are no charges at all. However, if you choose to use any other ATMs, a fee of Rs. 20 + GST will be applicable.
You can refer to this link to check out the perfect Niyo Global product that suits your needs: https://niyo.me/Niyo-products-comparison
Further any assistance you may write to global@goniyo.com
for Niyo DCB card (saving account), isn’t the first international atm usage free?
Hey @mungina!
Yes, for the Niyo DCB Savings account debit card, ATM fees are reimbursed in Niyo coins. For instance, if you’re charged an ATM fee of ₹425, you’ll receive 4250 Niyo coins credited to your account within 60 days of the transaction.
Additionally, you can enjoy up to 3 free* international ATM withdrawals or receive up to 15,000 Niyo coins per calendar quarter, whichever limit is reached first.
Hello Zaahid, I have the Niyo DCB debit card and intend to use it in my upcoming trip to Malaysia. Could you tell me how many free atm withdrawals I would get there pls?? and what are the charges after free withdrawals are over??
Hi @Arvind_Mayank ,
You will get 3 free international ATM withdrawals per quarter available for all cardholders in our 180+ supported countries (not applicable on the Niyo Equitas Debit Card). For terms and conditions, please log in to the Niyo application.
Additionally, the withdrawal charges for the Niyo DCB Card are ₹425 + GST.
Thanks
You can use it for ATM withdrawals, POS payments, and online international transactions. Just make sure to enable international usage in the Niyo app before you try anything abroad.
ATM withdrawals work, but they may charge a flat fee per withdrawal. So don’t withdraw in small chunks like you’re on a budget diet.
Swipe or tap in the local currency, never INR, or you’ll get slapped with hidden DCC fees.
Always check your app for live rates, and block the card instantly if something fishy happens.
Use it smartly, and it works like a global wallet in your pocket.
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Hi @Krishna_Singh,
Great tips shared! Just to add—international ECOM, tap, and card swipes come with zero forex markup from our end, so you won’t face extra markup charges there. 
For international ATM withdrawals, a flat fee is applicable. You can visit goniyo.com to check the Schedule of Charges for our partner banks. Also, the first 3 ATM withdrawal fees are refunded every quarter as Niyo Coins 
As you rightly mentioned, DCC charges are imposed by the acquirer bank, and can be avoided by opting for the local currency and declining any currency conversion offered by the ATM. Use smartly, and it’s as good as carrying a global wallet!
