# Niyo DCB Debit Card: Benefits, How-To, and Common Questions! šŸ“§ **URL:** \ **Category:** Cards\ **Created:** [June 28, 2024, 10:23am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838 "2024-06-28T10:23:35Z")\ **Posts on this page:** 20\ **Page:** 5
**Author:** ![Nith\_In](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/nith_in/32/32134_2.png) [@Nith\_In](https://community.goniyo.com/u/Nith_In)\ **Post date:** [December 29, 2024, 10:39am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/82 "2024-12-29T10:39:24Z")
Hi @Gajanand, Thank you for your response! You can download the Niyo Global application from the Play Store or App Store to complete the onboarding process. To meet your banking needs, we recommend considering a Niyo DCB or Niyo SBM account, which offers the following benefits: - Zero forex markup on all international transactions. - Free international lounge access\* and ATM withdrawals\*. - Earn up to 8% p.a. with quarterly payouts on Niyo DCB savings accounts, and up to 7.25% p.a. with monthly payouts on Niyo SBM savings accounts. - A transparent and hassle-free banking experience tailored to your financial goals. We appreciate your understanding and look forward to assisting you further. Feel free to explore how Niyo can help you with your banking needs! ---
**Author:** ![sayantan](https://avatars.discourse-cdn.com/v4/letter/s/6a8cbe/32.png) [@sayantan](https://community.goniyo.com/u/sayantan)\ **Post date:** [January 19, 2025, 4:32am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/83 "2025-01-19T04:32:39Z")
Hello Niyo Team, I want to raise a complaint regarding my Niyo DCB Debit Card. My account was charged Rs. 590 for Debit Card AMC. But my account had more than 5000 rs. Then why the AMC was deducted. As far as I know, **one has to maintain 5000 rs quarterly to waive off the AMC charges** which I did. I had maintained more than 5000 since the last 12 months continuously. Then why was the AMC deducted. Has there been any change in terms and conditions which I am not aware of. If yes, please clarify about it. **If the charges has been deducted erroneously by DCB Bank, please make sure to refund back the AMC charges after consulting them.** Please look into the matter and provide a resolution. ---
**Author:** ![saraswathi.r](https://avatars.discourse-cdn.com/v4/letter/s/848f3c/32.png) [@saraswathi.r](https://community.goniyo.com/u/saraswathi.r)\ **Post date:** [January 19, 2025, 6:38am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/84 "2025-01-19T06:38:00Z")
Hey @sayantan Hey there! We tried reaching out to you but couldnā€™t connect. We want to inform you that the issue has been highlighted to the bank, and weā€™re diligently following up on it. Rest assured, weā€™ll keep you updated on any developments. Thank you for your patience and understanding! šŸ™ ---
**Author:** ![sayantan](https://avatars.discourse-cdn.com/v4/letter/s/6a8cbe/32.png) [@sayantan](https://community.goniyo.com/u/sayantan)\ **Post date:** [January 19, 2025, 7:19am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/85 "2025-01-19T07:19:28Z")
Hey @saraswathi.r I couldnā€™t pick up the call as I was driving. Thank you for taking up the issue and forwarding it to the bank. I will be looking forward to the updates. Here are the details to my account if you might need them to forward to the bank. A/C No: XXXX475 Debit Card: XXXX0983 Thanks! ---
**Author:** ![saraswathi.r](https://avatars.discourse-cdn.com/v4/letter/s/848f3c/32.png) [@saraswathi.r](https://community.goniyo.com/u/saraswathi.r)\ **Post date:** [January 19, 2025, 7:23am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/86 "2025-01-19T07:23:12Z")
Hey @sayantan Thank you for your understanding. Rest assured, we will reach out to you with an update as soon as we have further information. We sincerely appreciate your patience and cooperation in this matter. ---
**Author:** ![Jaswant\_Singh2](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/jaswant_singh2/32/36257_2.png) [@Jaswant\_Singh2](https://community.goniyo.com/u/Jaswant_Singh2)\ **Post date:** [January 20, 2025, 3:29am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/87 "2025-01-20T03:29:28Z")
Does Niyo DCB debit card work in Bulgaria?? ---
**Author:** ![Nith\_In](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/nith_in/32/32134_2.png) [@Nith\_In](https://community.goniyo.com/u/Nith_In)\ **Post date:** [January 20, 2025, 5:02am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/88 "2025-01-20T05:02:36Z")
Hi @Jaswant_Singh2, Absolutely! The Niyo cards are designed to make your international travel experience smooth and hassle-free. You can use the Niyo DCB card wherever Visa services are accepted, including in Bulgaria, for seamless payments and easy cash withdrawals. Safe travels and enjoy your journey! ---
**Author:** ![Jaswant\_Singh2](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/jaswant_singh2/32/36257_2.png) [@Jaswant\_Singh2](https://community.goniyo.com/u/Jaswant_Singh2)\ **Post date:** [January 18, 2025, 6:02pm UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/89 "2025-01-18T18:02:20Z")
No, Niyo DCB card is not working in Bulgaria ---
**Author:** ![Zahid\_Niyo](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/zahid_niyo/32/34768_2.png) [@Zahid\_Niyo](https://community.goniyo.com/u/Zahid_Niyo)\ **Post date:** [January 20, 2025, 7:38am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/90 "2025-01-20T07:38:04Z")
**Hey @Jaswant_Singh2** šŸ‘‹ The **[Niyo DCB Debit Card](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838)** does work in **Bulgaria**! `For more details and additional insights, feel free to check out this topic: šŸ‘‡` > [@Top Indian Card for Public Transport Abroad: DCB Niyo Debit Card](https://community.goniyo.com/t/top-indian-card-for-public-transport-abroad-dcb-niyo-debit-card/22932): > > Top Indian Card for Public Transport Abroad: DCB Niyo Debit Card [image] Travel Seamlessly with the DCB Niyo Debit Card! You asked and we made it happen! Payments on public transport abroad were earlier blocked on the DCB Niyo debit cards to prevent rampant card cloning frauds. Based on the feedback from our enthusiastic travellers, weā€™ve upgraded them! Niyo, in partnership with DCB Bank, has upgraded the DCB Niyo Debit Cards. The new cards, ordered after 07th November 2024, are seamless,ā€¦ **If youā€™re experiencing any issues, let us know hereā€”weā€™re here to help! You can also reach out to our support team directly at [global@goniyo.com](mailto:global@goniyo.com) for assistance. šŸ˜Š** ---
**Author:** ![saraswathi.r](https://avatars.discourse-cdn.com/v4/letter/s/848f3c/32.png) [@saraswathi.r](https://community.goniyo.com/u/saraswathi.r)\ **Post date:** [January 21, 2025, 4:07am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/91 "2025-01-21T04:07:40Z")
Hey @sayantan Weā€™ve received an update from the bank, and unfortunately, it appears that the required 5K AMB has not been maintained for the past 4 quarters, as confirmed by DCB Bank. If you have any further concerns or disputes, we kindly request you to contact DCB Customer Care at **[customercare@dcbbank.com](mailto:customercare@dcbbank.com)** or call **022 6899 7777 / 040 6815 7777** from your registered email ID or mobile number. Theyā€™ll be happy to review your account statement and assist you promptly. Weā€™re here to help if you need further support! šŸ˜Š ---
**Author:** ![Jaswant\_Singh2](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/jaswant_singh2/32/36257_2.png) [@Jaswant\_Singh2](https://community.goniyo.com/u/Jaswant_Singh2)\ **Post date:** [January 21, 2025, 9:07am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/92 "2025-01-21T09:07:01Z")
This is showing in Niyo app. ![Screenshot_2025-01-21-14-36-18-983_finance.global.travel.niyo](https://us1.discourse-cdn.com/flex021/uploads/goniyo/original/3X/a/5/a56518b8965e3f97f7d8fc486e3e72c9990c4d0c.jpeg) ---
**Author:** ![Zahid\_Niyo](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/zahid_niyo/32/34768_2.png) [@Zahid\_Niyo](https://community.goniyo.com/u/Zahid_Niyo)\ **Post date:** [January 21, 2025, 9:29am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/94 "2025-01-21T09:29:21Z")
Thank you, @Jaswant_Singh2 for sharing the screenshotā€”it helps. I understand the confusion, as the **Niyo DCB debit card** does work wherever the **Visa network** is accepted. Let me cross-check this with the bank and confirm if thereā€™s been any update. Iā€™ll get back to you with the correct information soon! Cheers! ---
**Author:** ![Zahid\_Niyo](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/zahid_niyo/32/34768_2.png) [@Zahid\_Niyo](https://community.goniyo.com/u/Zahid_Niyo)\ **Post date:** [January 21, 2025, 9:41am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/95 "2025-01-21T09:41:00Z")
> [@Jaswant\_Singh2](#): > > This is showing in Niyo app. > > ![Screenshot_2025-01-21-14-36-18-983_finance.global.travel.niyo](https://us1.discourse-cdn.com/flex021/uploads/goniyo/original/3X/a/5/a56518b8965e3f97f7d8fc486e3e72c9990c4d0c.jpeg) Weā€™ve checked with the bank and can confirm that the **Niyo DCB card** works in **Bulgaria**. The information in the Niyo app showing it as unavailable was an error, and weā€™ll get it fixed soon. You can use your card in Bulgaria without any issues. If you face any trouble, please donā€™t hesitate to reach outā€”weā€™re here to help! ---
**Author:** ![Jaswant\_Singh2](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/jaswant_singh2/32/36257_2.png) [@Jaswant\_Singh2](https://community.goniyo.com/u/Jaswant_Singh2)\ **Post date:** [January 22, 2025, 4:31pm UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/96 "2025-01-22T16:31:04Z")
@Zahid_Niyo thanx you. It will help me a lotā€¦ ---
**Author:** ![sayantan](https://avatars.discourse-cdn.com/v4/letter/s/6a8cbe/32.png) [@sayantan](https://community.goniyo.com/u/sayantan)\ **Post date:** [January 24, 2025, 7:25am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/97 "2025-01-24T07:25:35Z")
Hey @saraswathi.r Or anyone reading from Team Niyo Thanks for giving the update. I could not reply earlier due to stuck up with work Paying 590 rupees is not a big deal for me. I would like to raise a complaint formally with Niyo Global as my account initiation process was done from here and not through DCB. To recall I had opened the account on 11th October 2023 (welcome letter attached). In the SoC (attached) it was clearly written that the card will be free for the first year and from the second year AMB would be charged if a balance of 5K is not maintained. After opening my account I was not able to use the DCB account much, as by the time the card had arrived I was already overseas. After returning to India, I immediately added the required funds and continuously was maintaining it. Since the first year is free according to the SoC (attached), and I started maintaining more than 5K before the first year ended, I shouldnā€™t have been charged AMC. From the second year which started on 11th October 2024, I have constantly maintained more than 5K and technically DCB should charge at the end of second year or on starting of second year that is 11th October 2024 if I was at fault for not maintaining the required balance but the non maintenance charge was charged in January 2025. Please provide a proper explanation for that. I have attached all the necessary documents and screenshots 1. DCB Welcome Letter 2. DCB Niyo Welcome Handbook (Refer page number 8) 3. Screenshot of page number 8 Please provide a satisfactorily and a speedy resolution. If that is not provided, I will not hesitate to take up the matter with RBI Banking Ombudsman for deficiency of services by DCB and Niyo. Thanks and regards Sayantan [Screenshot 2025-01-24 at 12.19.06 PM.pdf](https://community.goniyo.com/uploads/short-url/jHeravwiQ8fR17SPm5TkkOQMF9Q.pdf) (492.2 KB) [DCB Niyo Welcome Handbook.pdf](https://community.goniyo.com/uploads/short-url/fmCePK6leIFDt3CN4OaUu68zXYj.pdf) (1.4 MB) ![Screenshot 2025-01-24 at 12.03.25 PM](https://us1.discourse-cdn.com/flex021/uploads/goniyo/original/3X/7/e/7e1081fc5766b64bd5314df695e4ee985e8ebba7.jpeg) ---
**Author:** ![saraswathi.r](https://avatars.discourse-cdn.com/v4/letter/s/848f3c/32.png) [@saraswathi.r](https://community.goniyo.com/u/saraswathi.r)\ **Post date:** [January 25, 2025, 3:35am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/98 "2025-01-25T03:35:42Z")
Hey @sayantan We completely understand your disappointment, and we genuinely apologize for the distress this situation has caused you. Rest assured, your concern is being treated with the highest priority. Weā€™ve escalated the issue to DCB Bank and are actively following up with them to ensure a swift resolution. We know how important this matter is to you, and we are doing everything in our power to resolve it as quickly as possible. We will keep you informed and updated at every step. Your patience and trust mean the world to us, and weā€™re committed to resolving this for you. Thank you for your understanding! ---
**Author:** ![Nith\_In](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/nith_in/32/32134_2.png) [@Nith\_In](https://community.goniyo.com/u/Nith_In)\ **Post date:** [January 27, 2025, 8:07am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/99 "2025-01-27T08:07:46Z")
Hi @sayantan, We wanted to inform you that the DCB Bank team tried reaching out to you on Friday to explain the situation, and they also attempted again today, but were unable to get a response. Could you please let us know a convenient time when youā€™ll be available for a call? The team would like to connect with you over the phone to explain the situation and assist you further. Thank you for your cooperation! ---
**Author:** ![sayantan](https://avatars.discourse-cdn.com/v4/letter/s/6a8cbe/32.png) [@sayantan](https://community.goniyo.com/u/sayantan)\ **Post date:** [January 27, 2025, 3:16pm UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/100 "2025-01-27T15:16:34Z")
Hey @saraswathi.r Much appreciated. Thanks ---
**Author:** ![sayantan](https://avatars.discourse-cdn.com/v4/letter/s/6a8cbe/32.png) [@sayantan](https://community.goniyo.com/u/sayantan)\ **Post date:** [January 28, 2025, 3:41am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/101 "2025-01-28T03:41:21Z")
Hi @Nith_In Please ask DCB to explain the situation over email. I am not available to take calls at the moment. On the basis of the written communication/reply by DCB, I would decide accordingly the further course of action to take. Clearly there has been a deficiency of service by both Niyo and DCB by not honouring the statements given in the DCB Niyo welcome letter and handbook Thank you ---
**Author:** ![Nith\_In](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/nith_in/32/32134_2.png) [@Nith\_In](https://community.goniyo.com/u/Nith_In)\ **Post date:** [January 28, 2025, 5:43am UTC](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838/102 "2025-01-28T05:43:32Z")
Hi @sayantan, Weā€™ve escalated your concern to the DCB Bank team and have requested a detailed written explanation regarding the issues youā€™ve raised. Please allow us some time to receive their response. Rest assured, as soon as we have the necessary information, we will share it with you promptly. We truly appreciate your understanding, and weā€™ll keep you updated every step of the way. [Previous page](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838.md?page=4) [Next page](https://community.goniyo.com/t/niyo-dcb-debit-card-benefits-how-to-and-common-questions/17838.md?page=6)