Transactions and Refunds on Niyo Cards

Nith_In · February 24, 2026, 6:12am

HI @NIYOCOMM20260223EM4B Rajkumar,

Thank you for your patience.

We’ve received an update from the DCB Bank team and they were able to connect with you. They’ve confirmed that while the first transaction did not go through, there are no declined transactions recorded on the card, and the subsequent transactions were completed successfully.

You can continue using the card with confidence, as there are no issues seen on the card. If you run into any issues at any point, feel free to reach out via the 24×7 in-app chat or message us here, and we’ll be happy to help.

NIYOCOMM20260221K1RS · February 24, 2026, 7:28am

Saraswathi - Thanks for updating here. I am unable to understand what is being authenticated here. I have shared all the necessary details with both Niyo team and DCB Bank team on call as well as email - why is isn’t there any acknowledgement on the issue and why is no one sharing the root cause here? Acknowledgement of the issue and providing an ETA to resolve it doesn’t require any authentication - can you please share any legal reference to why is this needed? You have lost me here completely. Very disappointed.

saraswathi.r · February 24, 2026, 7:53am

Hi Niti,

Thank you for your time over the call. As discussed, we have escalated the issue and are closely working with DCB Bank. Rest assured, we will reconnect with you and keep you informed of further updates. We request your patience in the meantime.

saraswathi.r · February 24, 2026, 10:58am

Hi @Deepak_Leekha

We tried reaching you over the call but unfortunately couldn’t connect.

As per the confirmation received from the team, a complaint has been raised with the bank for the pending refund amount under Ticket ID CS2029064, and the expected resolution date is 12th March 2026.

We are continuously coordinating with the bank and will ensure you are kept informed of any further updates. Thank you for your patience and understanding.

saraswathi.r · February 24, 2026, 11:26am

Hey @akhil_raja

We appreciate your time over the call. As discussed, we kindly request you to share the proof of refund initiated by the merchant under the same Ticket ID 410321, so that we can investigate the matter further with the bank.

We appreciate your cooperation and understanding in this regard and look forward to your response.

Nith_In · February 25, 2026, 12:30pm

Hi @NIYOCOMM20260221K1RS Niti,

We’ve received an update confirming that tickets have been raised for both the duplicate transactions.

One request has been logged under CS2065677, and the second transaction is being tracked under CS2067983.

We request you to please allow T+8 working days for the refund to be processed and credited to your account. We’ll continue to follow up from our end and keep you informed as soon as we receive any updates.

Thank you for your patience and cooperation.

NIYOCOMM20260221K1RS · February 25, 2026, 1:25pm

Nithin - I have 5 disputed merchant transactions out of which 4 has duplicate debits and 1 is not at all received by the merchant but is debited from my account. Even after clearly writing everything is the email (see the attached screenshot) why only a few are referenced and not all?

Also, why is the bank saying that further update will be provided by 16th April?

Initially, every conversation mentioned T+3 days. Now how did it change to T+8 days?

saraswathi.r · February 26, 2026, 3:16am

Hey Niti!

We understand your disappointment, and we deeply regret any inconvenience caused. Kindly allow us an opportunity to connect with you for further assistance.

saba8 · February 25, 2026, 12:05pm

If you’re unable to receive money into your Niyo account, first check that your account is active and correctly linked to the sender. Also ensure the sender is using the correct account details and supported transfer method. If the issue persists, contact Niyo support through the app for assistance.

saraswathi.r · February 26, 2026, 3:18am

Hey @saba8

Thank you for stepping in and sharing the guidance — we truly appreciate community members helping each other out!

Just to add, if anyone is still facing issues receiving funds after checking the account details and transfer method, please reach out to us directly through via our 24*7 in-app chat support or write us at global@goniyo.com so we can review the account securely and assist further. We’re always here to help.

saraswathi.r · February 26, 2026, 9:39am

Hey Niti,

As per the update from the bank team, they attempted to reach you regarding ticket CS2065677. However, they were unable to connect.

Upon review, the bank has confirmed that all five disputed transactions have been consolidated and raised under the same ticket CS2065677 for further investigation. We kindly request you to allow T+8 working days from the ticket creation date for the investigation and refund process to be completed.

Please rest assured that we are in continuous coordination with the bank and are closely tracking the progress. We will keep you informed with timely updates as soon as we receive them.

We truly appreciate your patience and understanding in the meantime. Should you have any questions, please feel free to write back — we’re always here to help.

NIYOCOMM20260221K1RS · February 27, 2026, 12:27pm

Thank you, Saraswathi. The bank personnel mentioned 8 days from the time of transaction - can you please clarify whether it’s from time of transaction or time of ticket creation?

Also, I will be leaving Japan in two days - is this ticket a commitment from the bank that I will get my money back? We won’t be able to get in touch with some merchants later

Atik_Shah · February 27, 2026, 1:20pm

Hey @NIYOCOMM20260221K1RS ,

Thank you for confirming that you received a call from the bank team. Please note that the mentioned 8 days given by the bank is calculated from the date of ticket creation. The ticket created by the bank team is for communication while they investigate the issue. Rest assured, if the investigation falls in your favor, you will receive your money back in your account within the given time period. We appreciate your kind understanding and patience in the meantime.

NIYOCOMM20260223ULG1 · February 27, 2026, 1:12pm

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.

Atik_Shah · February 27, 2026, 1:52pm

Hey @NIYOCOMM20260223ULG1 ,

Welcome to the Niyo Community!

Thank you for your time on the call. We totally understand your disappointment and deeply regret the trouble you’ve experienced. As discussed, we’ve forwarded the issue to the concerned team for review and will follow up constantly. We’ll make sure to keep you informed of further updates. We appreciate your kind understanding and patience in the meantime.

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

saraswathi.r · March 2, 2026, 12:21pm

Hey @nidhi_jain1

We tried reaching you over a call, but were unable to connect. As per the confirmation received from the bank, the refund was successfully credited to your account on 16 January 2026. Kindly take a moment to check and confirm the same at your convenience.

We appreciate your cooperation and patience throughout the process. Please feel free to write back if you need any further assistance.

NIYOCOMM20260223ULG1 · March 2, 2026, 12:41pm

I am writing to formally report that no action has been taken on my Service Request (SR143312) since it was raised on Friday. Despite being told the matter was sent to the technical team, I have received only generic “patience” messages while being stranded in a conflict zone (Ukraine) without access to my tuition and living funds.

The Situation:

• My card is being declined across all Ukrainian networks (PrivatBank, Raiffeisen), yet your support claims “No transaction record found.”

• This is a Gateway Routing Error. Your international firewall is blocking Ukrainian bank requests before they hit your core system.

• My card is healthy (worked recently in Austria/Hungary), and all app settings are ON.

My Demand:

I require an immediate Manual Whitelist of my card for the Ukraine region.
If SBM has a policy block on Ukraine, I require a formal written statement today so I can take this to the Banking Ombudsman (RBI).
I expect a resolution by your own stated deadline of March 4th.

Please stop sending generic community updates and provide a technical resolution. I am a student and this is a matter of survival.

Regards,

Patel Sneh

Atik_Shah · March 2, 2026, 2:23pm

Hey @NIYOCOMM20260223ULG1 ,

Thank you for taking the time to speak with us on the call. We completely understand your disappointment and the urgency of this issue. As we discussed, the Niyo SBM Card does not currently work in Ukraine, and the same information is available in the app as well. However, we are checking this right away with the concerned team to explore possible resolutions. We will follow up continuously and make sure to keep you posted on further updates. We truly appreciate your kind understanding and patience in the meantime.

Damoder_singh · March 5, 2026, 6:49am

this transaction not who made this transaction. I want my money back.

Transaction Details 600413646311

Amount RS 10.03

Atik_Shah · March 5, 2026, 7:18am

Hey @Damoder_singh ,