Hey @KoolSIM! Welcome to Niyo Community 
RBI has issued a relaxation with regards to the 23rd Jan circular stopping international transactions. International ATM withdrawals, POS and Tap & Pay transactions are now allowed on your SBM Niyo Global Debit Card. We are working with the bank and are very hopeful that this is will be fully back to normal well before 15th March.
Thank you for your continued faith in us 
