Welcome to the Niyo Community! 
We completely understand how concerning this can be, especially when you’re abroad and need access to your funds.
As per regulatory requirements, the Re-KYC process for SBM accounts can only be completed within India. Unfortunately, this means we’re unable to fully reactivate your account while you’re overseas, and international card usage will remain disabled until Re-KYC is completed in person.
However, the app supports a temporary reactivation process to help you access your funds. You’ll be prompted to fill in a few details, after which a pre-filled declaration form will be generated. Please email that along with a valid visa proof as instructed in the app. Once reviewed, you’ll be able to transfer funds from your SBM account to any Indian bank account, so you can still access your money through other channels.
We know this isn’t ideal, and we truly appreciate your understanding. If you face any issues with the in-app flow or fund transfer, feel free to share a screenshot — we’re here to help!
