Welcome to the Niyo Community! 
We apologize for any confusion this may have caused. To clarify, for international ATM withdrawals, DCB debit cards incur a charge of INR 425 + 18% GST per transaction, while SBM debit cards are charged INR 423 + 18% GST. Please also be aware that the ATM provider may impose an additional fee, which should be visible at the ATM, but we do not have visibility over those charges.
Thank you for your patience and understanding!
