Thank you for speaking with me, Abhishek. As we discussed, your yearly limit for international transactions of ₹5 lakhs has been exhausted for the financial year 2024-2025 (at the PAN card level). Therefore, you won’t be able to use your SBM debit card for transactions at this time.
I suggest using an alternate card for your current trip, and you can apply for a Niyo credit card once you return to India. I hope this information is helpful! 
Happy travels. 
Hi,
I have the niyo global card but it is currently inactive. Please help me how to activate my card.
also
can i use it in thailand
Unfortunately, we couldn’t locate your details with the username provided. No worries though—here’s how you can activate your card by setting the PIN:
Login to the app and tap on the Card settings option
Click on “Set PIN” to complete the activation!
For a list of countries where your Niyo card is accepted, check the “Currency Converter” option in the app. If this doesn’t resolve your concern, please DM us your contact and registered mobile number.
Here’s how:
- Tap on my profile icon.
- Click on “MESSAGE”, type your details, and upload any screenshots using the upload icon.
Alternatively, you can also email us at global.escalation@goniyo.com with your ticket number. If you already have an existing ticket, feel free to share it here, and we’ll take it from there. Thanks for your patience! 
After using the Global Card by Niyo Solutions Inc. for a couple of years, let me share my experience.
USP: The card offers zero markup fees and real-time currency conversion, which is appealing.
However, the product itself is severely flawed. I’ve faced multiple issues: my debit card was unexpectedly blocked, the app was confusing during credit card updates, and my attempts to create a fixed deposit failed while money was debited.
Customer service is another major disappointment. While representatives are polite, no resolution is given for more than 20 days now, leaving me anxious about my hard earned money—definitely not the experience I hoped for while traveling.
Recommendation: I cannot recommend the Niyo Global Card. If you find yourself in a foreign country needing support, be prepared for frustration.
Welcome to the Niyo Community!
We sincerely apologize for the inconvenience you’ve experienced. Your feedback is important to us, and we understand how frustrating this situation must be. Please allow us some time to investigate these issues and assist you further.
Thank you for your patience!
Hey @NIYOCOMM2024090912M7 ,
Greetings of the day.
Upon reviewing your account, we see that you have already raised a ticket (ID: #2497528). We certainly understand your frustration regarding the issue with your funds being stuck, and we deeply regret for the distress this has caused.
Thank you for your time on the call, please rest assured that our team is actively coordinating with Technical Team to resolve the issue as quickly as possible. Unfortunately, the process is taking longer than our usual turnaround time. However, we want to assure you that your case has been prioritized, and we will update you shortly with a positive resolution.
If you have any further queries or require additional assistance, please do not hesitate to connect with us. We will be happy to help you.
Hi Ilaham
The month is over, You told me that your personally following up on this and hence you will get the resolution soon.
Please tell me how long it’s gonna take.
Regards
Vaibhav
Sorry for the inconvenience. We’ve escalated your issue to the team; but it’s taking longer than expected. Rest assured, we’re pushing for a quick resolution.
We’ll keep you notified further on the updates with new development once we receive. Thank you for your understanding!!
Hi Ilaham,
What happened to your commitment brother? No resolution yet.
Regards,
Vaibhav
Hi @NIYOCOMM2024090912M7 ,
Greetings of the day.
Thank you for your time on the call. As discussed. I deeply regret for the delay and understand your frustration. Please know that I am personally following up and closing working with the team as promised and committed on your behalf.
While we cannot provide a specific resolution timeframe at the moment, we are closely monitoring the progress. Please rest assured that your case is being handled with the utmost priority. As soon as we have any updates, including an ETA, we will promptly communicate them to you.
In the meantime, you can monitor progress and forthcoming updates related to your ticket (ID: 2530135) through our support system. We deeply appreciate your patience and understanding as we work to resolve this matter as quickly as possible.
I am a student in Germany i bought niyo global debit card in India but i am not able to activate my international transaction please help me
Hey @Jeevan_R ,
Welcome to the Niyo Community!
We’d like to clarify that enabling international transactions is indeed dependent on the bank’s procedures. After completing your Video KYC, if prompted in the Niyo Global app, the bank will notify you via email once your Niyo SBM Debit Card is ready for international transactions.
You can expect to receive three important emails:
- Immediately after completing the Video KYC, confirming its completion.
- Within 2 working days, you’ll receive a second email informing you that your KYC has been successfully updated, allowing you to proceed with banking transactions.
- Once international transactions are enabled, you’ll receive a final email confirming that your Niyo SBM Debit Card is now activated for international use. Please note, this process might take some time, and international transaction enablement is not immediate.
For further assistance, you can reach our support team via the live chat feature within the app, or email us at “global.escalation@goniyo.com.” We are here to assist you at every step and ensure a seamless experience.
We appreciate your patience and understanding!
I have completed video kyc in india itself.
Hey @Jeevan_R ,
We certainly understand your concern and truly appreciate your efforts in completing the video KYC process while in India. It’s great to hear that you’ve successfully taken this important step.
We recognize the significance of this process and want to ensure that everything is in order with your account, as communicated earlier. Please note that enabling international transactions depends on the bank’s approval and this will take time (Not an immediate enablement). If you’ve received an email confirmation from the bank stating that the international transactions have been activated on your Niyo SBM Debit card. Please share the reference number with us via email.
While this community page is an excellent space for discussions and sharing insights, it is not a dedicated customer support channel. For any further assistance, we kindly request you to reach out to our support team via the live chat feature within the app, or email us at “global.escalation@goniyo.com”.
Your concerns are our priority, and we are committed to providing prompt assistance through our official support channels. Thank you for your understanding and cooperation.
Thank you for your response.
1 Like
I had my Re-KYC today and after all checkes it was rejected since my face was not matching to what is there in PAN.
Now, PAN is >12 yrs old and obviously face would change in that time, also I have grown beard.
Anybody else faced this?
How to resolve this?
Thanks
Hey @RejectedUser
Welcome to the Niyo Community!
I understand how frustrating this must be 
. As per RBI regulations, it’s mandatory to have your PAN updated to ensure a smooth Re-KYC process. 
Since your PAN photo is over 12 years old and doesn’t match your current appearance, updating your PAN is the best way to resolve this 
. You can apply for a PAN update online through the NSDL or UTI portal. Once updated, your Re-KYC should go through without issues 
.
Let us know if you need further help! 
Thanks for your understanding! 
Hello @NIYOCOMM2024090912M7,
Thank you so much for taking the time to speak with us today! We’re really sorry for the challenges you faced and regret the communication gaps along the way.
While we’re relieved that the issue is now resolved, we completely understand your frustration with the initial follow-ups and the delayed acknowledgment from our team. 
Your feedback means a lot to us 
, and we’re committed to improving coordination with the bank to make sure such situations don’t arise in the future. 
Thanks again for your patience and trust! We’re here for you if you need anything else. 
I am currently residing abroad and have graduated, with my visa valid until 2027. I have been informed that I need to complete my RE KYC within six months, but I am uncertain if I will be able to return to India within that timeframe.
Could you please advise on the steps I can take to avoid my account being frozen? I appreciate your assistance in this matter.
