Queries regarding the new SBM card

Hello Niyo Global Team,
I am unable to login to the app sometimes. After I enter the passcode/fingerprint, it keeps loading for some time and later nothing happens. The server is down most of the time. I have added money to the account and I want to order the Card and do a transaction, but I can’t. Kindly resolve the issue soon.

Hey @Akash_Nandargi ! Welcome to Niyo community. Sorry to hear that. We’re aware of the issue. Please allow us some time to debug the issue. Regret the inconvenience.


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Sure, Thank you for the help.Video KYC thats great.

Hey @Ganesh_Ravindran ! Welcome to Niyo community. We’ve deleted your message as it contained sensitive information. However, we’ve understood you. You may go ahead and open a Niyo Global by SBM account in under 5 minutes and get a Niyo Global VISA Signature ‘Tap & Pay’ Debit card.

All you need to do is visit:

Appstore for iOS: https://testflight.apple.com/join/AD0wTcC7
Playstore for Android: https://play.google.com/store/apps/details?id=com.niyo.sbm
Download the app and get going.

What are the atm charges?

Hey @Milan_Joshi ! Welcome to Niyo community. Here at community, we encourage users to look for the answers before posting queries because the chances are your queries might have already been answered. You may look at the answer here:

Is the 7 lakh cap is annually? In addition, I got server down from yesterday on the app. Please fix it as soon as possible.

Hi Team,

I am using Niyo SBM account and card. I have encountered an issue of updation. App is not getting updated whenever I open. It shows last updated day, 1 day before and even when I intended to refresh, it doesn’t respond.

Even I wanna know POS transaction charges inside india of NIYO SBM card. Because, I used Niyo card in petrol bunk 2 days before and they charged an etc 7rs today for the same. It’s mentioned as SUR/ in my bank statement.

When can we expect the updated uninterrupted app for Niyo SBM?

Thanks, Manikandan

Hey @Manikandan_Subbiah ! Welcome to Niyo community. We’re sorry, you had to face that issue!

As the app is still in beta phase, you might face bugs here and there. We’re solving the “App Updation Bug” and should be resolved at the earliest.

There are no charges for POS transactions in India or in abroad. Let us get that investigated for you.

Regarding the “Server Down” message - we’re aware of the issue and are currently fixing it as you read. Request you to please try again later. Regret the inconvenience.


I’ve setup my account and everything on niyo and also received my card. Today, I was wanted to transfer money from my niyo to another bank and the server was down for quite some time. I’ve also seen people asking about this server down error multiple times in the niyo community. I wanted to confirm, how stable is this new system? I’m only relying on niyo as my forex partner and for all my transactions. The server down error occurred for me while even logging into my account which ultimately made me doubt this facility. So I had a few questions on this and I’m still trying to figure this system out as I’m a complete newbie to this whole currency exchange scene.

  1. If I want to do a transaction in future at a POS, will this server down affect my transaction as well?

  2. What are the charges for atm withdrawal?

  3. Any charges for POS transaction?

  4. When do we expect this system to be fixed and working stable?

Hey @Yash_D ! Hope you’re having a pleasant day. Great to hear that you’ve onboarded successfully and got your Niyo Global VISA Signature ‘Tap & Pay’ Debit Card. This is currently under beta program where the product undergoes rigorous testing. Once released you would not find these issue. No transactions are hampered due to server down issue on app.

(1/4) No! Server down issue will not affect any kind of transaction.

(2/4) ₹100 + taxes (per transaction) apply, additionally, acquiring bank’s charges also apply.

(3/4) There are no charges for POS and ECOM transactions.

(4/4) As the product is still under beta phase, it undergoes rigorous testing. The stable version of the app will only be released once all the debugging is done.

If you need further clarity, feel free to reach out again!


Do i need a bank account with sbm to use niyo sbm card ? or is it ok to have account from other bank other than sbm to open sbm niyo card?

Hey @Ganesh_Ravindran ! We’re happy to explain it to you. Once you successfully onboard to Niyo Global by SBM, you are automatically provided with a Zero Balance SA which earns upto 5% interest on savings.

Hey is niyo by sbm bank still giving the goodies such as passport cover along with the card?
Is niyo by sbm bank good over the niyo by dcb??

Hey @Nikhil_suthar ! Welcome to Niyo community. With every welcome kit that is delivered, it contains Niyo Global VISA Signature ‘Tap & Pay’ Debit card, Passport Holder, SOC document, T&Cs document.

I am using niyo global SBM app . I am facing some problem with the app , it crashes serval times

I want to add niyo global SBM debit card with Samsung pay or Apple Pay like a virtual debit for nfc tap & pay method, but I cannot able to add the card b

Hi. I created my niyo sbm account today, and I have received the mail that my account has been created ,along with customer id and account number. But in the app, it shows the account creation is still pending.

Hi @Sheetal_Rao ,

Firstly Welcome to the Niyo Community!

Please write to us at onb-global@goniyo.com with your concerns + registered mobile number + screenshots so we don’t miss out on any of the queries and resolve them on priority.


Done that already. Thank you :slight_smile:

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I tried to register on Niyo SBM app but unfortunately I am unable to do so. Every time I tried to create an account, I get a notification stating my KYC is not done but I am having my Pan Card and other details in hand. Pls let me know how to create account and do help me in the process.