Hi I am travelling to Malaysian next week and I have the new debit card by niyoX. I just want to understand if I can use this debit card in Malaysia to withdraw money from ATM’s. if so, which bank ATMs to use for lowest conversion fees as I believe this will vary by atm (even if it’s on visa network, right?)
Hey @kushalkothari! Welcome to Niyo Community 
Yes, you can use your NiyoX debit card for your international transactions (POS, Ecom and ATM withdrawals).
If you are using the latest debit card (which has a Tap & Pay feature), international transactions will be processed based on the live visa exchange rate. You should be able to view the exchange rate in your NiyoX app > Menu > Tools > Currency Converter.
For international ATM withdrawals, you will be charged Rs.110+GST (from Equitas Small Finance Bank) in addition to the charges by the international bank (whose ATM you are using).
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