Thank you for reaching out. We truly empathize with the challenges of completing your Re-KYC verification while residing abroad, and we’re here to help make the process as smooth as possible.
Since you’re abroad, to assist you further to ensure your account is active; kindly write an email to global@goniyo.com with the subject line “Please keep my Niyo SBM account active” from your registered email ID. Kindly include the following documents to support your request:
Immigration stamp
Tickets ( return)
University letter /college letter
Any relevant document that justifies the stay
We’re here to support you every step of the way and are committed to ensuring a smooth resolution.
Please note: This is only a temporary solution that allows the user to complete KYC while abroad & has a validity of 06 months. However, they have to complete the VKYC when they return to India.
What’s the maximum cash we can withdraw in single transaction with Niyo SBM debit card from ATM’s in Bali ? I understand that Niyo charges almost 500 INR per withdrawal. So want to keep the no. of transactions minimum with max. cash withdrawal. Anyone who travelled recently to Bali and withdrawn cash, please guide.
We’re excited to share that your Niyo SBM debit card comes with convenient international ATM withdrawal limits:
INR 1 Lakh /per transaction INR 1 Lakh /per day INR 3 Lakh/ per month INR 5 Lakh/ per year
Each withdrawal has a fee of INR 423 + GST, regardless of the amount.
And here’s some great news! You get 3 free international ATM withdrawals per quarter (the withdrawal fee will be credited back to you in Niyo Coins). You can redeem these coins for in-app purchases, including flight bookings, visa services, and more.
Safe travels, and let us know if you need any assistance!
I’ve been trying to resolve issues with the Niyo Global app for over six months, contacting support at least 50 times. Each time, I’m told to “wait” for a solution with no real update, resulting in 25+ template responses that say my concern is “being looked into.” The app doesn’t work for basic transactions—sending and receiving money, card orders, and even connecting to customer support have all failed repeatedly.
I’ve also tried calling the Niyo support line (1860 258 6496), only to be disconnected after selecting language options. The advertised customer service number leads nowhere, making it impossible to address any issues directly.
This constant delay and lack of transparency about the ongoing technical issues with Niyo Global partnered with SBM Bank is incredibly frustrating. If Niyo Global can’t ensure a stable, functioning service due to regulatory or technical hurdles, they shouldn’t advertise these features or mislead customers with false assurances. The lack of a responsive customer support team has rendered this service practically unusable.
For those considering Niyo Global, be aware that, according to recent updates, RBI restrictions may be affecting SBM Bank’s international transactions, yet Niyo has not communicate d this clearly with its users about the impacts.
First and foremost, we sincerely apologize for the experience you’ve had. We understand the challenges caused by the lack of updates and ongoing technical issues. This is not the experience we strive to provide, and we truly appreciate you sharing your concerns with us.
We completely understand how important it is for the app to function reliably for basic tasks, and we are genuinely sorry for the inconvenience this has caused.
We want to assist you in resolving this as quickly as possible. Could you please share your details with us directly so we can investigate your case and provide an effective solution? We are committed to making things right, and your feedback is essential in helping us improve.
Once again, we apologize for the difficulties you’ve faced, and we are hopeful that we can work together to resolve this swiftly.
Thank you for your patience and understanding. Rest assured, we are here to help and will do everything we can to make this right.
Hi,
It’s been a couple of days since my rekyc was completed and the app is not yet updated. Can you please let me know when International transactions will be enabled back on my account
Please note that once you complete the re-KYC process, the bank typically takes 2 working days to activate your SBM savings account. You will receive a confirmation email from SBM Bank once this is completed. Furthermore, SBM Bank will send you another email to notify you when international transactions are activated on your account.
We truly appreciate your patience and understanding during this process!
Want to know that if i have niyo sbm debit card and i want to enable the international transaction then also i have to re kyc …,
But i am trying to do re kyc then it seems that there will be new card is dispatching but i dont understand if already i have sbm debit card then why should i pay fee for another one.
We tried reaching you but were unable to connect. Upon reviewing your account, we see that you hold a Niyo SBM account. To resolve your issue, we kindly request you to complete your Re-KYC via the app or by clicking on this link: https://vkyc.sbmbank.co.in/SBMVkycHost/rekyccustomerenroll. Once your Re-KYC is completed, you will receive a confirmation email from the bank enabling your international transactions.
Regarding your debit card concern, we kindly ask you to share your alternate contact number with us via DM so that we can connect with you to understand the issue much better and assist effectively. Here’s how you can DM:
Click on my profile icon. Select “MESSAGE.” Enter your details in the message body. Upload any screenshots by clicking on the upload icon, then click “Send Message.”
Alternatively, you can email us at global.escalation@goniyo.com with your ticket details. If you already have an existing ticket, please provide the ticket number here, and we’ll follow up promptly.
We truly appreciate your patience and are here to assist you every step of the way!
I am holding a Niyo Global Debit Card By SBM and my International Transactions are Disabled. So, I completed V-KYC and re-KYC and they said within 4 working days your International Transactions will be enabled and now Its more than 6 days and Its not working here in Malaysia-Kualalampur. Sent several mails but no reply. Contacted customer care they said we don’t know anything, your status is not updated. We got stuck here and very Pathetic service by them. Further, in my whole life never ever use their cards.
We sincerely apologize for the inconvenience you’ve experienced. We understand how important it is, especially while you’re traveling. Upon reviewing your account, we can confirm that your reKYC has been successfully completed, and international transactions have been enabled.
Could you please try initiating the transaction again? If you still face any issues, don’t hesitate to reach out to us, and we’ll be more than happy to assist you further.
Same thing happened with me.I have been residing outside India and i cannot complete KYC outside India.I mailed the documents which you asked for.But there was no response.Its been 10 days since my bank account got deactivated.Pathetic service.They just ask you to wait and give them some time.But they would not resolve your issue.
We see that you’ve already reached out to us via email, and a ticket (2684249) has been raised for your re-KYC concern with the bank team. Our team is actively coordinating with the bank, and we kindly ask for your patience while we await further updates. Rest assured, we’ll assist you in resolving this issue as soon as we have more information.
We regret to hear about the issue with your international transaction enablement. We will get in touch with you shortly to assist you. Your patience is greatly appreciated.
Thanks for your time over the call. As discussed, please wait for SBM Bank’s confirmation via SMS/email regarding the enablement of international transactions on your SBM debit card. This process will be completed usually within 5-7 working days from your date of Re KYC. Feel free to reach out to us if you have any further inquiries.
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!
INR 1 Lakh /per transaction
You get 3 free international ATM withdrawals per quarter (the withdrawal fee will be credited back to you in Niyo Coins). You can redeem these coins for in-app purchases, including flight bookings, visa services, and more. 
. Once your Re-KYC is completed, you will receive a confirmation email from the bank enabling your international transactions.
Click on my profile icon.
Select “MESSAGE.”
Enter your details in the message body.
Upload any screenshots by clicking on the upload icon, then click “Send Message.”
Our team is actively coordinating with the bank, and we kindly ask for your patience while we await further updates. 
Rest assured, we’ll assist you in resolving this issue as soon as we have more information. 
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.
transactions, and we wish you a safe journey. 
