Niyo: Global cards for travel 4+

Niyo team and DCB Bank doesn’t have the understanding about txn done by the online merchants in the US. They just debit the hold amount advised by the merchant and subsequent bill amount, which is the actual billing and invariably lesser amount, is settled with the merchant. However, the bank will not refund the excess amount debited from the customer and enjoy the fund keeping it in their kitty. Despite escalating the same with Niyo Team and the DCB team, there is no solution for this problem and only sensible option remained to not do any online transaction in the US. Otherwise the card is ok with some issues regarding display of TCS amount and others, which interestingly they couldn’t solve it despite escalating to Niyo team for 3~4 times in last 2 month.
Update: The social media team is more responsive and they could arrange for resolution of TCS details issue. Thanks for your help.

Hey Ravi! Thank you for your feedback and for sparing your valuable time to discuss with us. We are pleased to learn that the issue pertaining to TCS has been successfully resolved. Should you require any further assistance, please do not hesitate to reach out to us. We remain at your service and look forward to assisting you further.- DJ

I got a NIYO CREDIT CARD in Sept’23 with a promise to me that it would be used globally without any transaction fee and hassles. Sept end I travelled to Germany with a good amount of money uploaded into my card to be used in this foreign land. From the very first instance when I was trying to pay to my cab driver for the fair from airport to the hotel, the card didn’t work. It DECLINED. I thought may be the first transaction in Germany so the card is throwing an error so I reset all my card’s features in the app thinking it should work now. Then, I tried paying the hotel bill, coffee in a cafe, train ticket, grocery store, withdrawing money from the ATM - IT DIDN’T WORK ANYWHERE. I was literally stranded in this foreign country due to this card. Every time I would contact customer care they said try another merchant and send us screenshots. I tried the card everywhere and it worked no where. It is so mentally frustration and annoying if you are alone in an unknown country without currency. Fortunately I had a credit card from another back which saved me. This card is a fraud and they shouldn’t sell it customers. It could really put you in a lot of trouble. I am extremely disappointed and won’t recommend anyone to use this card. I have requested them to transfer my money back to my savings account. Hoping that atleast they meet this expectation. This card has caused me a lot of mental stress in a foreign land.

Hey RM! First and foremost, we want to sincerely apologize for the disappointing experience you had with our card. We understand the gravity of the situation and are deeply concerned about the unfortunate series of events that transpired. We'd like to connect with you and investigate the issue to be able to avoid this situation in future, please drop us an email at global.escalation@goniyo.com We look forward to your email and restoring your faith in our services. -PR

I'm writing this review to express my extreme disappointment with the Niyo Globe app. I started the account creation process on July 8th with high hopes of a smooth experience. Unfortunately, it has been an absolute nightmare. The app displayed a message indicating that my account would be created within 4 hours, and if not, I should contact customer care via the provided email address. Feeling optimistic, I reached out to customer care multiple times via email, as per their instructions. However, to my dismay, I haven't received a single response from them. It's been over a month, and my account opening process remains incomplete. The lack of communication and support from the Niyo Globe team is truly frustrating. I was genuinely looking forward to using this app for my financial needs, but this experience has left me with a sense of distrust and dissatisfaction. A company that claims to offer seamless financial services should prioritize customer support and responsiveness, which seems to be sorely lacking in this case. I hope this review serves as a cautionary tale for others considering using the Niyo Globe app. As of now, I cannot recommend this app due to its glaring issues in account creation and customer support. sameer vyas

Hey Vyas! We tried calling you on your registered number, but the calls went unanswered. Regrettably, we couldn't onboard you with the Niyo Global by SBM due to specific criteria not met. However, We've introduced some alternatives to cater to your global needs. You can explore the Debit cards by Niyo Global Equitas and the Niyo Global DCB, each offering perks like zero forex markup and convenient lounge access. These alternatives are seamlessly functional on a global scale. To delve deeper into these offerings and their advantages, take a glance at our website: https://goniyo.com/. If there's anything else you'd like to clarify or explore further, please don't hesitate to reach out. - AS