Hi, I need some help with a transaction issue.
I tried using my Niyo DCB debit card at a Bank of America branch in the US to make a transaction of around $900. The transaction failed and showed “insufficient funds.” I then tried the Bank of America ATM, and it also showed “insufficient funds.” I did not receive any money, and Bank of America confirmed that they did not receive or charge the amount.
However, money was debited from my account.
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.
Hi, I need some help with a transaction issue.
I tried using my Niyo DCB debit card at a Bank of America branch in the US to make a transaction of around $900. The transaction failed and showed “insufficient funds.” I then tried the Bank of America ATM, and it also showed “insufficient funds.” I did not receive any money, and Bank of America confirmed that they did not receive or charge the amount.
However, money was debited from my account.
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.
Thank you for taking the time to speak with us over the call. We sincerely apologize for the concern caused by this failed transaction experience in the US.
As discussed, we kindly request you to share the transaction details with us here so we can investigate the matter further with the bank and help resolve this for you.
Thank you for your understanding and cooperation.
Date: 31-8-2026(EST)
Reference No: 09132866
Full transaction identifier: POSCWD 09132866/01-09-26/01:30:21/638538
Thank you for sharing the transaction details.
To help us investigate this further, could you please share the exact transaction amount with us? Once we have this information, our team will look into it right away.
We truly appreciate your understanding and cooperation!
I reported unauthorised transactions on my Niyo Global Secured Credit Card (issued by DCB Bank) on time, within the window RBI requires. Today I got an SMS closing the case, saying my card details were “shared from my side” and concluding it was customer negligence — no contributory fraud or bank deficiency found.
The problem: I never received or entered any OTP for these transactions. No 2FA prompt at all. The SMS gave no specifics on what evidence was reviewed or how a transaction went through without OTP.
Separately, my app is showing a lien amount that doesn’t match my total credit limit, and support hasn’t explained the discrepancy.
Has anyone else faced a similar fraud-dispute rejection on this card? Curious to know:
Hi @Sam_Edward
Thank you for sharing your concern. We tried to locate your account details to look into this for you, but unfortunately, we were unable to find your information. Please send an email with your details to (global@goniyo.com) so our team can investigate this further. You can also directly reach out to the bank team at (customercare@dcbbank.com) for immediate assistance regarding your dispute and lien query.
I have already sent an email to both the email id provided, however received no response yet. Ticket # 715550
Hi @Sam_Edward
We are checking this with the concerned team. Please allow us some time, and we will notify you as soon as we have an update. We appreciate your patience and understanding.
Hi @Sam_Edward
We are writing to provide an update regarding your dispute request (Ticket Number: CS2308506) based on the official investigation findings from the bank. The bank has classified this incident as Customer Negligence, noting that the disputed transactions across merchants like Booking.com, Amazon Marketplace, and Temu.com were unsecured online transactions (ECI 7) where no OTP was generated. Furthermore, an INR 70,000 SCC bill payment was completed on July 31, 2026, undisputed POS transactions took place on July 28, 2026, and SMS alerts were successfully delivered for all transactions before the card was eventually blocked on August 5, 2026.
As there is no evidence of a system breach, third-party fraud, or deficiency of service on the bank’s part, the case has been concluded under ticket number CS2308506 and officially closed by the bank. Thank you for your understanding in this matter. For any further details or queries regarding this investigation, you can reach out directly to DCB Bank Customer Care at customercare@dcbbank.com or by phone at 022 6899 7777 / 040 6815 7777 (8:30 AM – 8:30 PM IST).
I put my debit card inside an ATM machine for 250 euros and declined the transaction at the very end due to high markup charges. I got my card back and no cash was dispensed.
However, in my Niyo app, there is a successful transaction of 254 euros along with the balance query charges.
I did not receive any cash from the ATM machine. It is a huge amount of money for me and I am an international student, please help me.
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. 
Thank you for taking the time to speak with us today. As discussed, please share the transaction details—including the date, amount, and reference number—so we can investigate the issue further and assist you promptly.
Thank you for providing the required details.
We have escalated your case to DCB Bank on high priority to ensure a swift resolution. Our team is actively tracking this with the bank, and we will proactively keep you updated as soon as we receive a response.
We truly appreciate your patience and cooperation while we work to resolve this for you.
