Hi @Shikshita_Raj,
Thank you for your patience. We’ve escalated this to the DCB Bank team and asked them to look into it on priority. We’ll keep you updated as soon as we hear back from them.
Really appreciate your understanding in the meantime.
Hi @Shikshita_Raj,
We tried reaching you over a call but couldn’t get connected. We’ve also received an update from the DCB Bank team that they attempted to contact you as well; however, your number was not reachable. Additionally, they have confirmed that the online transactions on your account were successful.
To help us move ahead with your refund request, could you please share an alternate international contact number via DM? We will share it with the DCB Bank team so they can connect with you directly and assist further.
Thank you for your understanding.
Hello! Currently I have a French what’s app number. It’s +3*********2. If you could reach me via whatsapp app that would be great. Otherwise I am always available via email.
Thank you
Hi @Shikshita_Raj,
Unfortunately, the bank team won’t be able to reach you via your international WhatsApp number. However, you can initiate a live chat directly from the Niyo app for prompt assistance, or drop an email to customercare@dcbbank.com. We appreciate your understanding and patience.
Hi, +9********2 here is the number of my father. He is in India. You can call him and tell him the procedure I can communicate through him. Is it possible to call him in 20 mins ?
Thank you for your time on the call, @Shikshita_Raj. As discussed, we have shared your number with the DCB Bank team, and they will reach out to you and guide you through the process. We appreciate your patience and understanding.
Hi @Shikshita_Raj,
We have received an update from the DCB Bank team that they have got in touch with you over a call. As advised, please coordinate with the merchant regarding the refund. Once the refund is initiated, you can share the refund reference number with us so we can coordinate with the bank team and get it resolved at the earliest.
Regarding the failed online transaction, please try making the payment without saving the card details on the website; it should go through without any issues. If you encounter any problems, kindly let us know.
We appreciate your patience and cooperation while this is being resolved.
Hi.
I had added money to SBM account to use the card and the UPI transaction had successfully been completed from my end but the app showed transaction failed.
So the amount has been debited from my account and now it has 4 days and I have not received any refund.
Please expedite this.
Hi @Salman_A,
We’re really sorry to hear about the trouble with your UPI transaction. Please allow us some time to look into this. We’ll review the transaction on priority and get back to you with an update as soon as possible.
Thank you for your valuable time on the call @Salman_A. As discussed, we can see that the transaction had failed and the refund has already been initiated. It usually takes about 5–7 working days for the amount to reflect in your source account. We appreciate your patience while this gets processed.
If you need anything else, we’re here to help.
Hi @Nith_In,
The refund has been credited yesterday. Thanks for your help.
1 Like
Hi @Salman_A,
We’re glad to hear that your refund has been successfully credited! 
If you need further assistance, please don’t hesitate to reach out to us anytime. 
We’re always here to help and ensure you have the best experience possible. 
I want to transfer cash in my Niyo+SBM (debit card) account. I want to transfer around 15L from this account to my personal HDFC account as my travel plan got cancelled. Should i do 1L everyday for 15 days? Or is there any other way possible?
Welcome to the Niyo Community! 
Please note that at the moment, the maximum transfer limit via IMPS from your SBM savings account is ₹1 lakh per day. However, if you link your SBM account to a third-party UPI app, you can utilize an additional transfer limit of ₹1 lakh per day through UPI.
This means you can transfer up to ₹2 lakhs per day by combining both IMPS and UPI transfers, which may help you move the ₹15 lakhs more quickly than transferring ₹1 lakh daily.
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 
I’m stuck in a weird loop with an international card payment and wanted to check if others have faced this with Niyo.
Tried paying on a website in the USA. Their checkout page clearly showed
“Something’s gone wrong and payment declined” and no order was created.
But in my Niyo DCB app, the same transaction is showing as “Transfer Successful” and the amount has been debited.
Details:
• Merchant: NOOTROPICS DEPOT (USA)
• Date & time: 17 Dec 2025, 06:02 PM IST
• Amount: ₹69,258.17
• RRN: 535112666448
• Descriptor: POS VS/535112666448/18:02:15/NOOTROPICS /EPOT
The merchant has already confirmed they haven’t received any payment and told me to talk to the bank.
Niyo support is giving the usual “wait up to 2-5 days for auto refund” response which usually becomes 15 days.
This is not the first time it’s happened to me with an international site, which is why I’m a bit done with the “please wait” line, especially with ₹70k blocked.
Has anyone had a similar issues in recent times?
Hi @Niyo2,
Welcome to the Niyo Community!
We’re really sorry you’re facing this. We understand how worrying it can be to see an amount debited when the merchant confirms the payment didn’t go through, especially for such a high value.
We weren’t able to locate your account details using the email ID. We’ll reach out to you via DM — please share your registered mobile number or email ID along with the transaction details so we can escalate this with the bank on priority and help get it resolved as quickly as possible.
Thank you for your understanding.
I am writing this post on this platform regarding three fraudulent transactions that occurred on my Niyo card. The fraudulent transactions took place on 21st of December 2025 from approximately 3.46 pm to 4.04 pm (IST). I didn’t receive any OTPs for these. Most shocking part is that this happened the card was physically with me in my wallet and I was in Melbourne Australia. The transactions amounting to Rs 55000 took place in Canada.
When I received the message of debit immediately I blocked my card through Niyo app and during this time the fraudsters were trying for the balance amount. For this I was getting message that the transactions were declined.
The support executive was very co operative . I had sent him the screenshot of the 3 fraud withdrawals. He Registered my complaint and informed that their team will investigate and get back to me. The time frame was given as before 6th April 2026.
On this platform I reiterate that the card was physically with me all the time. I am a senior citizen and this has brought me lots of tension and apprehension. The amount is huge.
I also registered my complaint on the grievance website of cyber crime.
I am hoping that this will be solved at the earliest and that I will get my money back.
Vivekanand Dutt
Ps The card is Niyo global
Hey @vivekdutt
Welcome to the Niyo Community!
We’re truly sorry to hear about this distressing experience and understand the concern this situation has caused, especially given the circumstances you’ve described. We acknowledge the seriousness of the fraudulent transactions and appreciate the prompt action you took by blocking the card and reporting the matter.
Kindly allow us an oppurtunity to have this checked and assist you further.
Hello Team,
I am facing an issue with an ATM transaction using my Niyo Global DCB Card.
I attempted to withdraw AED 2,500 from an Emirates NBD ATM. The amount was successfully debited, but no cash was dispensed by the ATM.
Transaction details:
-
Amount: AED 2,500
-
Card: Niyo Global DCB Card
-
ATM Bank: Emirates NBD
This has caused inconvenience as I am currently managing other urgent transactions. I request you to kindly investigate this on priority and initiate the refund at the earliest.
Please let me know if any additional information is required from my side.
Thank you for your support.
Hey @sai_karthik
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
