Hey @SNEHA_C
We understand the importance of getting this resolved, and we’re closely monitoring the situation to ensure the funds are credited by the 23rd of September. In case of any delay, we will escalate the issue right away and prioritize getting it sorted promptly. We appreciate your patience, and we’re here to assist you through this process 
Thank you for your understanding and patience!
Amount Of Rs 500 Is not reflecting in SBM bank account.
Unable to reach Customer Service.
Please find the screenshot of the remitter transfer receipt.
Hey @momin_shaikh
We tried calling you but unfortunately couldn’t connect. Typically, IMPS transactions are credited instantly. In this case, could you please check if the remitter has received the funds back in their account? If not, feel free to drop us an email at global.escalation@goniyo.com with your ticket number. If you already have a ticket, kindly share the number here, and we’ll follow up right away.
Hi,
I deposited 73k into my account and then 5k after that. Both the transactions were successful and money was deducted from the sending account. But, the money didn’t show up in my SBM account.
It’s been more than 16 hours still the money doesn’t show up in my SBM account.
Please help. I am travelling abroad soon and it’s causing me issues.
Welcome to the Niyo Community!
I understand how important this situation is, especially with your upcoming travel plans. Upon checking, it appears that the transactions of INR 73,000 and INR 5,000 were not completed successfully. This can occur due to server issues or high traffic at the time of your deposits.
Rest assured, as per the update from the concerned team, both amounts will be refunded to your source account within 5-7 working days. If the funds do not appear in your account by then, please let us know, and we’ll be here to assist you further.
We appreciate your understanding and patience during this time. If you have any further questions or need assistance, please don’t hesitate to reach out—we’re here to help!
Hi,
I deposited 73k into my account and then 5k after that. Both the transactions were successful and money was deducted from the sending account. But, the money didn’t show up in my SBM account.
It’s been more than 16 hours still the money doesn’t show up in my SBM account.
Please help. I am travelling abroad soon and it’s causing me issues.
Sneha, we tried to reach you by phone, but it looks like your device was switched off. When you get a chance, could you please check if the funds have been credited back to your account? If you need any additional information or assistance, feel free to reach out. We’re here to help. 
Dear Preeti
Yes, the debited amount has been credited back. although the ATM charges of around 500(incl. Tax) is still to be returned. I hope I will receive a refund of that as well.
Thanks for your kind assistance.
Hi Sneha, thank you for your confirmation! I wanted to let you know that, unfortunately, the ATM withdrawal charges cannot be refunded, as they are a one-time fee charged by the ATM merchant. We appreciate your understanding.
Dear @saraswathi.r @Preeti
I have taken a free ATM without any surcharge, The amount debit is the account charge which niyo is charging for ATM withdrawals, 425+GST. So for a failed transaction from your end I think it should also be refunded back. over this, usually for first few transactions coins get credited for the amount debited as ATM withdrawal fee. here that has also not happend. already I have lost my money over no gain, had to go through all this hassle, so something should be done in this case.
Hey @SNEHA_C
We understand your concern regarding the ATM withdrawal fee for the failed transaction. Unfortunately, these charges are levied by the bank and cannot be reversed. However, with your Niyo Debit Card and Niyo SBM Credit Card, you get 3 free international ATM withdrawals per quarter!
While a withdrawal fee is initially charged, the same will be reimbursed through Niyo Coins (within 60 days), which you can use to book flights, Visa and any in-app services 
You’ll receive either 3 free international ATM withdrawals or 15,000 Niyo Coins per quarter, whichever comes first.
If it’s been over 60 days and you still haven’t received your Niyo Coins, no worries! 
Kindly share the transaction screenshot with us at global.escalation@goniyo.com and provide the ticket ID. We’ll make sure to look into it and assist you further.
Hope this helps, and thank you for your understanding
All of a sudden, the card has stopped working for online transactions. I tried to make a purchase on Apple USA store but the transaction is getting declined despite repeated attempts. I even tried adjusting the amount but it still didn’t work.
Please look into it.
We regret the hassle 
Kindly allow us an oppurtunity to have this checked. Rest assured, we will get back to you with an update shortly.
Thank you!
Okay. Thank you.
Waiting
We tried to reach you by phone but couldn’t connect. To help us investigate the issue further, could you please share a screenshot of the transaction decline reason?
You can send your details via DM by following these steps:
Alternatively, you can email us at global.escalation@goniyo.com with your ticket number. If you have an existing ticket, please provide that number as well.
Thank you for your patience—we’re here to help!
Hi team,
In the below two transactions of the Niyo DCB account the money has been blocked and deducted, and the refund has not been processed yet. Please look into the matter at the earliest.
Date 12th September 2024 at 5:29 PM, Rs 13383.50 was deducted which is 22000 ISK at N1 Fagurhol, where the actual spent was only 8000 ISK.
Date 11th September 2024 at 3:02 PM, Rs 13394.62 was deducted which is 22000 ISK at N1 Vikurska, where the actual spent was only 7566 ISK.
Please refund the amount as soon as possible.
Here are my Niyo DCB bank account details:
Name: SEEMA SHEESH LOKHANDWALA
Acc: ****1714
Thank you.
Regards,
Seema
Hi @Seema_Lokhandwala ,
Welcome to the Niyo Community!
Thank you for connecting us here regarding your concern on recent transactions from your Niyo DCB account.
We tried calling you but were unable to connect. Please be assured that we have escalated this issue to our support team for further investigation. They are currently reviewing the details of the transactions, including the amounts deducted versus the actual amounts spent. Please rest assured that we are prioritizing your case and will keep you informed of any developments as soon as they arise.
Your patience during this process is greatly appreciated. We understand that having access to your funds is essential, and we are committed to resolving this matter promptly
Hi, i just tried to do my first international withdrawal in nepal. I have been charged the amount but there is no cash received in hand, also the atm machine itself was old and slow. I even did not receive any teansaction slip from the machine, it just got reset to home page without any intimation or mesaage or slip. I dont find any option in the app to raise a refund for this transaction. Please help me out with the process.
Hi @shantanu_Ajarekar ,
Welcome to the Niyo Community! 
We’re really sorry to hear about your experience with the international withdrawal 
. Don’t worry, I’m here to help you! 
Allow us to have this investigated and assist further. Appreciate your patience.
