Help Centre

Niyo - Features and App basics 17

• What are the interest rates at NiyoX?
• Is there a Demand Draft option? if yes what are the charges?
• Can I make a demand draft online? - NiyoX
• What are the features of NiyoX?
• Can I get a balance confirmation certificate from Equitas? - NiyoX

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Tell us about yourself... 7

• Can I edit the name on the card after my account is created? - NiyoX
• What are the details to be updated? - NiyoX
• Income Declaration - NiyoX
• How many nominees can I add? - NiyoX
• Why add nominees? - NiyoX

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Consents & Declarations 6

• Why is CRIF report required to open a Niyo X Account? - NiyoX
• Why is CKYC required to open Niyo X Account? - NiyoX
• What if I do not want a 2 in 1 account ? - NiyoX
• Why should I provide a digital signature? - NiyoX
• Will a low CRIF score affect my account creation process? - NiyoX

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AEPS 3

• How NiyoX customer can avail/activate AEPS?
• How much time does it take to activate the AEPS?
• How much time does it take to update addresses in bank records, from Equitas internet banking portal or by visiting a bank branch?

KYC 2

• What is KYC, why should I do it, and how can I do it?
• What is Video KYC? How can I schedule it, and how long does it take to complete?

Transactions 9

• What happens if my Fund (money) Transfer/payment fails? (Amount deducted/debited)
• What happens if my Fund (money) Transfer/payment fails? (Amount NOT deducted/ NOT debited)
• When will I get my refund?
• My account has been frozen (not able to make any payments/send money/withdraw money). What should I do?
• What are my fund transfer limits?

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NiyoX Debit Card 13

• How can I order the NiyoX debit card? How can I track the delivery?
• Are there any charges for my NiyoX debit card?
• Are there any ATM withdrawal charges?
• The NiyoX debit card did not get delivered to me (it has been sent back to the bank). What can I do now?
• How do I activate the NiyoX debit card?

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Account Details Change 6

• Can I change my registered mobile number to NiyoX?
• Can I change my registered communication or permanent address with NiyoX?
• How can I order a cheque book and passbook?
• How can I change/update my signature with the bank?
• How can I change my registered email ID?

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Referral and Campaign Rewards 5

• What is the NiyoX referral program, and how can I refer people?
• How many of my friends/family members can I refer?
• The referral/campaign reward is not credited to the account?
• How can I track the referral/campaign rewards?
• Campaign Scratch Card not received or Reward amount not credited to NiyoX account?

Salary Rewards 5

• What are NiyoX Salary rewards? How can I subscribe to it?
• How can I make NiyoX Savings account my salary account?
• I have not received the scratch card/reward yet. What should I do?
• Where can I see the rewards I got from the Salary Account program?
• How can I unsubscribe from the Salary Rewards program?

NiyoX - EPF Tracking 7

• How can I track my EPF balance on NiyoX?
• Why can I not track my EPF balance (in what scenarios can I not track it)?
• My EPF is linked with a different mobile number? What can I do?
• My mobile number is not linked to my EPF account. How do I update the same?
• Why am I getting a ‘No EPF account found’ screen even when my mobile number is linked to my EPF account?

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NiyoX Personal Loans 12

• About NiyoX loans (Amount, Interest, Duration, etc)
• Can I get a personal loan from NiyoX?
• What are the steps to get a personal loan from NiyoX?
• Why can't I see an option for loans on my app?
• How much time will it take for the loan amount to come to my bank account?

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Work Bench Beta Link 0

NiYO DCB - Android 0

NiYO DCB - iOS 0

NiYO YBL - Android 0

NiYO YBL - iOS 0

User Account related 0

Statement/ Claim related 0

NiYO App related 0

DCB Ticket Categories Status & SLA 1

• DCB Ticket Categories Status & SLA

1. Getting Started 17

• Where can I find my account number?
• What are the benefits of Niyo DCB Global Card?
• In which cities are the services available?
• Where can I find ATMs to withdraw money?
• What is my Niyo DCB Global Customer ID?

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2. Account related 14

• How can I find the currency rate of a particular country?
• Can I add an International mobile number to my account?
• How do I know the exchange rate that I've been charged?
• How do I change my mobile Number?
• How do I change my email ID?

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3. Transactions 13

• How can I transfer funds using my Niyo DCB Global account?
• Can I send money to an international bank account?
• Why am I unable to make a fund transfer?
• Why is my international transaction declined?
• How long does it take for funds to get credited?

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4. Refunds 7

• The merchant transaction was declined but the amount was debited from my account. When will I get my refund ?
• I have not received my refund. Is there any way where I can raise chargeback/dispute?
• I have spent ₹10,000. When will I get the Annual fee refund?
• When can I expect my refund on TCS deduction?
• When will I receive my refund for TCS Charges?

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5. Card Management 10

• My card is lost/stolen/damaged/misplaced. How do I get a new card?
• How do I change my ATM PIN?
• How do I activate my backup/replacement card?
• How do I Lock/Unlock the card?
• How do I Lock/Unlock E-commerce Transactions?

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6.Charges 5

• Why was I charged extra on my transaction?
• How much is the annual debit card charges?
• What are the domestic and international ATM charges?
• Are there any charges on transfer of funds to domestic accounts?
• Are there any charges for loading of funds?

7. Limits 3

• Are there any limits for how much I can load onto my card?
• What are the limits in my account?
• How can I increase the spending limits?

8. Statement 2

• How do I generate my account statement?
• How do I unlock my statement?

Mutual Fund Investments 23

• How can I invest in mutual funds?
• When can I start investing in mutual funds?
• When will my investments get processed? (Investment Timeline)
• How can I redeem (withdraw) money from mutual funds?
• When will my redemption money reach me?

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Invest the Change 17

• What is “Invest The Change”?
• How can I set up Invest the Change?
• How can I enable (switch on) or disable (switch off) Invest the Change?
• What do the terms on Invest the Change page mean?
• What is round-up and how does it work?

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Onboarding SBM Widget 1 (Steps 1-3) 12

• What is Niyo Global SBM account?
• Tell me more about State Bank of Mauritius.
• How secure is this account?
• Do I have to maintain a minimum balance in the account?
• Which cities is Niyo currently serving?

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Onboarding SBM Widget 2 (Steps 4-7) 15

• What are the documents needed to complete my KYC?
• Why should I share my Aadhaar or PAN card number?
• What if I do not have my PAN or Aadhaar number?
• Why do I need access to my Aadhaar-linked phone number?
• I am not comfortable sharing my Aadhaar number. Is there an alternative?

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Onboarding SBM Widget 3 (Steps 8 - 11) 9

• Can I edit the name on the debit card after my account is created?
• What personal details are to be updated?
• Is there a minimum balance I need to maintain for this account?
• Which cities is Niyo currently serving?
• Income declaration

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Onboarding 34

• What is Niyo Global by SBM account?
• Tell me more about State Bank of Mauritius.
• Do I need to pay to set up a Niyo Global by SBM account?
• How can I open a Niyo Global by SBM account?
• I am an existing customer of State Bank of Mauritius. Can I still open a Niyo Global by SBM account?

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My Account 7

• Do I have to maintain a minimum balance in the account?
• Are there any penalty charges for non maintenance of average monthly balance?
• How is interest calculated on my savings account balance?
• When is the interest paid out?
• I don't remember my password, what should I do?

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Virtual card 5

• What kinds of transactions can I make using Virtual Card?
• What are the benefits of seeing my card details in-app?
• What is the transaction limit of the virtual debit card?
• What is the transaction limit after I receive physical card?
• Can I make an international transaction using Virtual VISA Signature Card?

Getting the Physical Card 6

• How can I place an order for a VISA Signature Debit Card?
• What are the charges for a VISA Signature Debit Card?
• Which address will the card be delivered to?
• How can I track my card?
• What will my Welcome Kit contain?

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Debit Card 10

• Is there a limit on debit card transactions?
• Is there a fee for ATM transactions?
• How do I change my ATM PIN?
• How can I lock/unlock my card?
• How can I block my card?

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Adding Money to Niyo Account 5

• Why do I have to deposit money before ordering a physical debit card?
• Will my initial deposit be counted towards my interest accrual?
• Can I load cash onto my Niyo Global by SBM account?
• Can I add cash through an ATM?
• Are there any limits for how much I can load onto my account?

Transaction Related 9

• What kinds of transactions can I make with the VISA Signature Card?
• How do I create my UPI ID for Niyo Global by SBM account?
• What are the UPI limits?
• Where can I see the refunds I have received?
• How do I track my transactions?

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Fund Transfer 4

• How do I send money to a bank account?
• What are the fund transfer limits from Niyo Global by SBM account to other bank?
• What are the charges for fund transfers?
• Can I send the money without adding a beneficiary?

International Transaction or Forex Related 11

• How is this card different from other forex cards?
• Will I have to apply for forex card?
• How do I enable the international transactions?
• What currencies does this Card support?
• What is the exchange rate applied?

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Reordering a card 6

• How can I reorder a SBM VISA Signature Card if I have blocked my existing card?
• Can I pay the card reorder fees from another account?
• What is the card reorder fee?
• Can I change the card delivery address from my previous address?
• Can I change the name on my card?

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Onboarding 39

• Why should I share my Aadhaar number?
• What are the documents needed to complete my KYC?
• What if I do not have my Aadhaar number?
• Why do I need access to my Aadhaar-linked phone number?
• I am not comfortable sharing my Aadhaar number. Is there an alternative?

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Account Basics and Features 12

• What is the Niyo Global Equitas account?
• Know more about Equitas Small Finance Bank.
• How safe & secure is the Niyo Global account?
• How can I add money to the Niyo Global Equitas account?
• Am I eligible to apply for this account?

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Account Details 10

• Where can I find my bank account's details?
• Can I change my registered mobile number?
• Can I change my registered email ID?
• Can I change my communication address?
• How can I close my Niyo Global Equitas account?

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Zero Forex Markup Card 16

• Ordering VISA Platinum debit card
• Do we get any virtual debit card?
• Transaction limits of the Niyo Global Equitas Card
• How can I add money to this account?
• Set up the PIN for the physical debit card

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Card Delivery 8

• How long does it take for the card to deliver?
• Tracking the delivery
• Which address does the card get delivered to?
• Is the card delivery safe?
• I was not available at the time of card delivery

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Domestic Transactions 15

• How can I add money to the Niyo Global Equitas account?
• How can I transfer funds from my Niyo Global account?
• How can I track the status of my transactions?
• Can I send money without adding Payee/Beneficiary?
• How can I create a UPI ID for this account?

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International Transactions 12

• Niyo Global Card vs Other Forex Cards
• Can I send money to an international bank a/c?
• How do I enable international transactions?
• What's the exchange rate used in foreign transactions?
• Which countries will the Niyo Global Equitas card not work in?

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Charges and Taxes 5

• What are the charges on the Niyo Global Equitas account?
• ATM Withdrawal Charges
• Are there any charges for account opening and zero balance?
• Charges for using the Niyo Global Equitas Card?
• What are the charges for fund transfers?

Fund Transfer 8

• What if I face an issue with fund transfer?
• Can I cancel a fund transfer?
• What are the fund transfer limits within and after the cooling period?
• What are the charges for fund transfers?
• Can I send the money without adding a beneficiary?

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