Hey @Ronit1! Welcome to Niyo Community!
Niyo SBM accepts funds from an international bank account. There is a defined procedure which needs to be followed in order to receive the funds to the account. To know more about it, you may check our previous post here: Receiving International funds to Niyo SBM accoun - #2 by Deepak And, I believe we do not have an intermediary bank.
Regards,