Hi Niyo Team,
I am a student currently in Ukraine for a one-year course, and I am facing a critical issue with my Niyo Global (SBM) card.
The Problem:
My card is being declined at all Ukrainian terminals (PrivatBank, Raiffeisen, etc.) and for all online local payments.
Technical Conflict:
When I contacted SBM support, they claimed they see “No Record” of these transactions. This indicates a gateway-level block where the Ukrainian banking network and SBM servers are failing to “handshake.” The transaction isn’t even reaching the bank for approval.
Key Context:
• Card is Active: I used this card in Thailand, Vienna, and Budapest recently, and it worked perfectly. It is NOT a PAN/Aadhaar or “Active” status issue.
• Settings are ON: International usage, POS, and ATM limits are all set correctly in the app.
• Duration: I am here for a full year and cannot return to India for any re-KYC or physical card replacement.
• Current Ticket: I have an open Service Request: SR143312.
The Ask:
Since I am a student relying on this for tuition and daily survival, I need this escalated to your Backend/Compliance team to manually whitelist or clear the BIN block for the Ukraine region.
Please don’t suggest a “Re-KYC” via Video Call, as the GPS block prevents this from abroad. I need a technical solution to allow this card to communicate with Ukrainian bank servers.
Looking forward to a swift resolution.
