Hi, I am unable to use my SBM debit card. The International usage is disabled. My vkyc was completed last week and It stills says “”getting your account ready for international transactions. I already contacted Niyo global Customer care, but there is no progress. Please help
Hey @Shubam_Sachdeva
Welcome to the Niyo Community! 
We sincerely regret any inconvenience this may have caused. Please allow us some time to review your concern thoroughly and work towards a resolution. We truly appreciate your patience and will get back to you with an update at the earliest.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travelers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything 
Hey @Shubam_Sachdeva
We appreciate your time over the call. As discussed, the issue has been highlighted to the bank and we shall keep you informed once we have an update. We request your patience till then.
Still no progress. Could you please share an update? Is there a way to escalate this issue? I don’t understand the point of having SLAs if the bank isn’t adhering to them. Honestly, I’m regretting not having a backup and relying solely on Niyo.
Hey @Shubam_Sachdeva
we completely understand your concern and the disappointment with the delay. Please be assured that we’re actively and continuously following up with the bank on your behalf. 
While we understand the importance of SLAs, we’ll make sure to keep you updated the moment we hear from the bank. You can count on us to stay on top of this until it’s resolved. We request your patience in this regard.
Hey @Shubam_Sachdeva
We appreciate your time over the call. 
We’re happy to inform you that your international transactions have been enabled. 
Could you please take a moment to confirm the same here? 
Thank you for your patience throughout the process. Take care and safe travels! 
I loaded money for my trip and when I tried using the card, the account was frozen and asking for RE KYC.
Since I am already outside India, I am unable to use it…
Can you pl help me to use the card at the earliest pl
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!
Actually through WhatsApp support , I got declaration form
So I filled my form and attached documents, send to the customer service
All of a sudden, I got mail that my issue has been resolved nd closed yesterday…
pl help
@bhuvaneshwaran_bhuvi, we apologize for the inconvenience caused. Please allow us sometime to get this checked and assist you further.
It’s been over 72 hours since I first raised this issue, and there has been no update or response from your side. My SBM account remains frozen, and I’m unable to access my own funds.
I have tried:
-
Completing KYC multiple times (video KYC never connects)
-
Submitting the declaration form to unfreeze the account
Yet, there has been absolutely no progress and urgently need access to my money.
This delay and lack of communication is highly unprofessional and unacceptable. I request that this issue be treated as urgent and resolved immediately.
Ticket Number: #256547
Please respond with a concrete solution, not just generic instructions.
Hi @Harshdeep_Kaur,
Welcome to the Niyo Community!
We truly understand how concerning this is, especially when you need access to your funds urgently. As per regulatory requirements, Re-KYC for SBM accounts can only be completed while physically in India, and we’re unable to fully reactivate the account from overseas.
We’ve highlighted your ticket (#256547) to the team and requested urgent attention. Once temporary access is processed, you’ll be able to transfer funds to an Indian bank account, ensuring you can still access your money until you’re back in India to complete full Re-KYC.
We know this isn’t ideal and genuinely appreciate your patience. Our team will get back to you shortly with an update. If you face any difficulty with the temporary access flow, please share a screenshot — we’re here to help.
Thank you for your patience. We’ve checked with the concerned team and received an update that your account activation is in progress under SR1963661. The bank team is actively working on it and will be reaching out to you soon with an update.
We understand how important this is for you and truly appreciate your patience as the final steps are completed.
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I am sorry to say this, I am totally disappointed with this card and even after trying to reach out with customer service since last 10 days, there has been no update.
My money is struck and neither the support is useful nor the card.
Pl let me know the method of getting the money back from this bank and close down the account.
We truly regret to hear about your experience and completely understand your concern. Please be assured that your issue has already been highlighted to the bank, and we’re actively following up with them to get this resolved at the earliest. We’ll make sure to keep you informed as soon as we receive an update. Thank you for your continued patience and cooperation. 
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i am trying to connect to customer agent through whatsapp. No response. Is there a way to connect? Its been more than 10 days.
Thank you for your valuable time on the call. As discussed, you can complete the re-KYC process once you’re back in India. After successful completion, your SBM Savings Account will be reactivated.
To make a credit card bill payment in the meantime, you can use the link below:
https://pay.billdesk.com/cardnet-instapay/sbmcard
This will allow you to make payments toward your Niyo SBM Secured Credit Card using any of your other Indian bank accounts.
Regarding the chat initiation issue, please try blocking the contact once and then unblocking it before reinitiating the chat — this should help resolve the issue.
Appreciate your understanding on this.
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Thanks @Nith_In, for resolving the issue and connecting over the call.
The whatsapp issue is also resolved.
Thanks a lot for your help.
Hey @Harshdeep_Kaur ,
Thank you for your kind words and for confirming with us . We’re glad to hear that the issue has been resolved and that the call was helpful! Your feedback is truly appreciated, and we’re always here to support you whenever you need it.
Thanks again for being a valued part of the Niyo community 
. Take care! 
