Hi @SRISHTI_singh,
Thank you for taking the time to connect with us on the call. We’re glad to know that you’ve received the funds, along with the transaction charges back to your account. Regarding the TCS limit, it may take 7–10 working days to reset. If it doesn’t update within this timeframe, please don’t hesitate to reach out to us—we’ll be happy to assist further.
Thank you for solving the issue …really appreciated
Hey @SRISHTI_singh
So glad to hear that! 
We truly appreciate your kind words. 
If you ever face any issues in the future, please feel free to write to us — we’ll always be happy to help you out. 
Hi Team,
I had raised a complaint regarding unauthorized transactions on my Niyo SBM card, and I was provided Ticket ID. Two days ago, I received a call from Niyo support assuring me that the matter would be looked into. However, there has been no written communication, no update on the ticket, and no clarity from SBM Bank on the next steps.
Given the seriousness of the issue, I request:
Written confirmation that my complaint is being processed.
Clear timelines for investigation/chargeback.
Assurance that the case is being handled in line with RBI guidelines on unauthorized electronic transactions.
Requesting an urgent update here so there is transparency and accountability.
Hey @Anurag_Gupta2
We completely understand your concern. 
As per our previous conversation, we see that you’ve already raised a complaint directly with SBM Bank, and the complaint ID is still under review. We’re currently awaiting a response from the bank and will keep a close follow-up on this. 
In case you’d like to receive an official confirmation from Niyo as well, we kindly request you to drop us an email at global.escalation@goniyo.com mentioning your complaint ID. Once done, please share the ticket ID here so that we can revert on the same email thread for your records.
We truly appreciate your patience and cooperation while this is being resolved. Rest assured, we’re closely tracking this and will ensure you’re updated with every development. 
Hey @Hemandh_Babu
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 @Hemandh_Babu
We tried reaching you over a call but couldn’t connect. Regarding your declined UPI transaction, we request you to kindly wait for the standard TAT of 2–3 working days 
for the amount to be automatically reversed to your source account.
In case the refund is not received within this timeline, please write back to us, and we’ll be happy to check further and assist you.
Can you call me now??
Sure @Hemandh_Babu, kindly allow us a window to connect with you and assist you further.
Hi, I recently used my Niyo Forex card for a €25 recharge in Ireland, and a 20% TCS was applied. However, I was under the impression that Niyo cards don’t attract TCS for small international transactions, especially for travel use. Could you please clarify why TCS was charged and whether this can be reversed? My friend used the same card and wasn’t charged. Kindly assist.
Hey @Hemandh_Babu
We tried reaching out to you but unfortunately couldn’t connect. Please note that a 20% TCS (Tax Collected at Source) will be deducted on every international transaction 
. For spends within ₹7 Lakhs in a financial year, the deducted amount will be automatically refunded within 1–2 business days.
For transactions beyond this threshold, the TCS amount can be claimed through refund/adjustment while filing your Income Tax Return (ITR) 
We hope this clarifies your concern. For any further queries, feel free to connect with us — we’re here to help!
Hey, today I made a 3 UPI transfers from my own kotak bank
But rs 7000 first time it did not credit to sbm bank account but second transfer of rs 7000 it got credited to sbm bank.
Kindly look into it & credit it imminently
My sbm bank account number is 20********5
Please reach out to me via resigested gmail as I’m in Dubai.
This is the ticket number 235927 which was given by WhatsApp support
985555
Hey @KEVAL7151
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 @Autonomy_Ai
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 @Waller_J
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 @Romanroma
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 @KEVAL7151
We tried calling you but unfortunately couldn’t connect. We were unable to locate an account linked to the mobile number ******5871. Kindly share your registered details at global.escalation@goniyo.com and provide the ticket ID here so that we can pick this up and assist you further on priority.
Hey @Autonomy_Ai
We tried reaching out to you but couldn’t connect. We’ve checked on your concern and found that the transaction you mentioned was unsuccessful. The amount has already been refunded, and you should receive it within 5–7 working days (by 17-09-2025).
In case the refund doesn’t reflect by then, we kindly request you to obtain a statement from your source bank 
and share it with us. This will help us coordinate with the concerned team and resolve it quickly.
As an alternative, you can also try using IMPS or NEFT for smoother transfers in the future. We appreciate your patience and understanding.
