Transactions and Refunds on Niyo Cards

Hey @Damoder_singh ,

Thank you for your time on the call. As discussed, the amount deducted from your account is a surcharge charged by the merchant for the transaction performed at the fuel station. Please note that a surcharge is an additional fee levied by the merchant, and it is not charged by us.

For any further clarification regarding this charge, we request you to kindly coordinate with the merchant directly. We hope we were able to address your queries. If you need any further assistance, please feel free to write back here. You can also reach us anytime via 24/7 in-app chat support or email us at global@goniyo.com and we’re always here to help!

I had tried to do a atm withdrawal and it got declined somehow and the money was deducted from my account. I nearly lost INR or close to 365 euros. Will i get this money back soon? I am student i need that money for rent and everything. As soon as the app issue got resolved i straight went to get the money and this happened. I tried to contact the whatsapp customer…waste of my time.. literally waste. And then i had send a mail to dcb bank. But they said wait 2 days. And this is not the first time my money has been deducted like this that was with another banks atm. Help me someone.. i need to get that money back.

Hi @Vivekva,

We sincerely apologize for the stress and inconvenience this has caused you. We completely understand how critical these funds are, especially for essential expenses, and we are committed to helping you resolve this.

We are escalating this to the DCB Bank team to get this checked on priority and we will keep you posted with an update at the earliest. Appreciate your patience and understanding on this.

Hey Sneh!

As per confirmation from the bank, please note that Niyo cards generally do not support transactions in Ukraine due to existing restrictions. Any transaction processed with a Ukrainian Merchant Category Code (MCC) will typically be declined.

You may notice that other cards sometimes work at certain merchants. This usually occurs when the merchant has registered their payment terminal in another European country, causing the transaction to be routed through Europe instead of Ukraine. Since this depends on how the merchant has registered their payment system, it is beyond Niyo’s control whether the transaction is successful.

We appreciate your understanding in this regard. Thank you.

Hi, I had received the transaction amount within two days, this social media is the only reason i am still using this bank card, You guys really helped me out, calling and messaging me about all this with updates. And the transaction charges were also sorted out for both the declined atm withdrawal fees. hopefully i will receive the money back soon. Thank you for your help.

1 Like

Hi @Vivekva,

Thank you for sharing the update, and we’re glad to know that the amount for the failed transaction has been credited back to your account. We really appreciate your patience and your kind words about our support—it truly means a lot to us.

Regarding the ATM withdrawal fee reversal for both the declined transactions, we’ve already raised this with the bank team and are actively following up on it. Please be assured that we’ll keep you posted as soon as we receive an update.

Thank you again for your patience and for staying in touch with us throughout the process.

Nara Deeraj <na*******mail.com>

AttachmentsThu, Mar 12, 6:20 PM (21 hours ago)
to traveldesk

Dear Niyo Travel Desk Team,

I recently booked a flight ticket through the Niyo Global (DCB Bank) app for the route Dubai to Mumbai scheduled on 13 March 2026.

However, shortly after the booking, the status shows that the booking was cancelled, but the amount of ₹22,992 has already been debited from my account.

Below are the booking details for your reference:

Booking ID: 26031277378
Passenger Name: Mamidi Murali
Route: Dubai (DXB) → Mumbai (BOM)
Travel Date: 13 March 2026
Amount Paid: ₹22,992
Payment Method: Debit Card
Transaction ID: order_SQL3uTbTLwl9Um

The app currently shows “Cancellation Initiated”, but there is no confirmation regarding the refund timeline.

I kindly request you to please check this issue and process the refund at the earliest. I have attached screenshots of the booking and payment details for your reference.

Please let me know if any additional information is required from my side.

Looking forward to your prompt assistance.

Hey Deeraj,

Welcome to the Niyo Community! :hugs:

We sincerely regret any inconvenience this may have caused. We tried reaching you over a call but were unable to connect. We would like to inform you that we have forwarded the issue to the concerned team for further review. We will keep you informed of any updates or developments regarding this. We appreciate your 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 :star:

Hey Deeraj!

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

As per confirmation from the team, we regret to inform you that the booking was unsuccessful. However, the refund has already been initiated. Since the payment was made via debit card, the amount should reflect in your account within 7–10 working days. :credit_card:

If you notice any delay or need further assistance, please feel free to write back. We’re always here to help. :blush:

Hey @Nara_Deeraj

Thank you for taking the time to speak with us over the call. As discussed, we’d like to inform you that the refund has been successfully processed for the failed booking. :airplane::credit_card:

You can now go ahead and make a new flight booking, and it should go through smoothly.

If you face any issues or need any assistance, please feel free to write back—we’re always here to support you every step of the way. Take care :innocent:

I would like to sincerely thank the Niyo support team and Ms. Saraswathi R, madam for their prompt assistance regarding my recent flight booking issue.

I received a call today from Ms. Saraswathi R, who handled the matter in a very professional and polite manner. She clearly explained the situation and confirmed that the booking was unsuccessful and the refund had already been initiated.

I truly appreciate the quick response and the support provided to resolve the issue smoothly. Thank you to the Niyo team for maintaining such a responsive and customer-focused service.

Looking forward to continuing to use Niyo for my future travel needs.

Hey @Nara_Deeraj

Thank you so much for your kind words and for taking the time to share your experience with us. :blush: We’re truly glad to know that your concern regarding the flight booking was addressed smoothly and that the support provided was helpful. We’d also like to sincerely thank you for your patience, cooperation, and understanding throughout the process—it truly made it easier for us to assist you effectively.

Your support motivates us to continue delivering the best possible experience. If you ever need any assistance in the future, please feel free to reach out—we’ll always be happy to help.

Wishing you many smooth and happy travels ahead with Niyo! :airplane::blush: Take care!

Hey @Deepak_Leekha ,

We’d like to inform you about the status of your transactions. Transaction 601706281623 was successful, and the merchant has already claimed the amount. For transactions 601706899297, 601706455895, and 601706509124, the merchant did not settle them, so the funds have been credited back to your account on March 2, 2026.

If you need any further assistance, feel free to write back, or you can also reach out to us via 24/7 live in-app chat support or email us at “global@goniyo.com”. We are always here to help.