Hope you’re doing well! 
We tried calling you but unforunately couldn’t connect with you. We’re happy to inform you that, as per the update from the bank, your Niyo SBM account is now active. 
When you’re back in India, please complete the video KYC (vKYC) process. If you need any assistance, feel free to reach out—we’re here to help! 
Hi @saraswathi.r
I still don’t see the international transactions enabled, its asking me to do KYC.
We tried calling you but unfortunately, we couldn’t connect. We completely understand your concern regarding enabling international transactions. 
As you’re currently abroad and unable to complete the vKYC, we’ve requested the bank to activate your account. We’re happy to share that the bank has agreed and activated your account so you can access your funds.
In the meantime, you can transfer funds to any of your Indian savings accounts via IMPS or UPI. Once you complete the vKYC process upon your return, you’ll have the option to enable international transactions. 
For any additional assistance, feel free to coordinate directly with SBM Bank. If you need further help, we’re here for you!
Hello,
As an Indian living abroad, I have faced immense problems through Niyo SBM. They have become the worst service providers to people living abroad. I want a complaint/case against Niyo SBM and RBI in the Indian consumer court. I will be gathering all the information and my friends in India are working on it too. I have emailed Niyo and SBM’s customer care to make them find an alternative solution. If they fail to provide any solution, then I will be working to file a case straightaway. If anyone willing to share their worst experience with this useless niyo sbm venture, they can freely.
We regret the inconvenience caused to you by Niyo SBM. Your experience is important to us, and we would like to look deeper into the issue. To investigate further, kindly DM your detailed concerns. Here’s how:
Alternatively, you can email us at global.escalation@goniyo.com and share your ticket number. If you already have an existing ticket, kindly provide the ticket number here, and we’ll follow up on it. We appreciate your patience as we work to resolve this matter!
Hi,
I recently completed my Re-KYC on my SBM bank, by visiting the branch personally and got a message that it was re-activated. However, I still see “Upgrade KYC” on the app in SBM section. Do I need to still perform VKYC, despite visiting the branch?
Hi @m_a_arunsharma,
Welcome to the Niyo Community!
We’re sorry to hear about the hassle. Allow us to have this checked and we will assist further.
Appreciate your patience!!
@saraswathi.r I have successfully completed my vKYC and re-kyc. But the NIYO app is not allowing me to enable the International transactions on my debit card. In the app It still says Upgrade your KYC to enable international transactions on the Debit card.
We fully understand your concern regarding enabling international transactions while abroad.
As you’re currently unable to complete the vKYC, we proactively reached out to the bank on your behalf, and we’re pleased to inform you that your account has been successfully activated, allowing you to access your funds.
In the interim, you’re welcome to transfer funds to any Indian savings account using IMPS or UPI. Once you return and complete the vKYC process, you’ll be able to enable international transactions without any issues.
For further assistance, you may also reach out directly to SBM Bank at customercare@sbmbank.co.in or call on 1800 1033 817. Should you require any additional help, we are always here to support you!
@saraswathi.r I am in India currently and I have successfully completed my Video KYC. Please can you explain why I am unable to enable international transactions in the Niyo app
We appreciate your time over the call. Thank you for confirming that you have completed the Re-Kyc. As discussed, it typically takes 5-7 working days for the bank to enable your international transactions. In the meantime, you can also connect with SBM bank directly.
Once you receive the email, you’ll be able to activate international transactions on your Niyo SBM card. 
Thank you for your patience and understanding.
I dont understand why SBM bank is asking everyone to do re-kyc after 2 years. This is very very annoying
I have bank account with other national bank like SBI, HDFC, Kotak etc but they never ask for rekyc in past 5-6 years.
We understand that re-KYC can seem like a hassle, especially when other banks haven’t requested it recently. However, since your account was opened digitally using PAN and Aadhaar through the CKYC process, new RBI guidelines now require a Video KYC (VKYC) to ensure complete compliance. 
At SBM Bank, we follow these regulatory updates to help keep your account secure and compliant. 
If you have any questions or need assistance with the re-KYC process, we’re here to support you every step of the way! 
I authenticated aadhar otp but there after no option for Video KYC
What next?
Received confirmation mail from SBM bank about successful
Thank you for your valuable time on the call! As discussed, you can retry initiating the Video KYC process by following the steps on the SBM re-KYC webpage. To ensure a smooth experience, please have your physical PAN card and Aadhaar card handy.
If you encounter any issues or have further questions, feel free to reach out. We’re here to help!
Hello,
Hope you’re doing well. I am still in France and I am here until end of September 2025. My card is blocked. I made some payment with credit card but now unable to repay the bill. I tried Cred and Mobikwik, still it’s not working. What to do? I event tried you pay portal but it only allows me to make payment for current outstanding and not the total amount. Any alternative way to make credit card payment?
Also, can I convert my account to a joint account just so that my father can pay my credit card bill from India and for the purpose of reKYC. Please don’t ask me to mail SBM as they are not helping at all and at the end when i ordered card with Niyo, I trusted Niyo not SBM. I am actually struggling a lot here in France with absolutely no means to pay. Please atleast request the bank from your end to give me a grace period. I am willing to share my acceptance letter/ enrollment proof for the same. I really hope for a positive response this time. Please help me with the situation:pleading_face:
Hey @Manit_Gupta,
We’re sorry to hear about the hassle. Allow us to have this checked and we will assist you further.
Appreciate your patience!!
Hello,
Thanks Akash for your prompt response.
Re kyc mujhe karna hai kaise hoga niyo Bharat me my account is inactive
Hey @sandyraj
Welcome to the Niyo Community!
We attempted to reach you but couldn’t connect. To help you out more efficiently, could you kindly share the details of your concern with us at bharat.social@goniyo.com? 
Our team will review it promptly and get back to you with a resolution.
Thank you for your patience and understanding! 
