<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://teamniyo.freshdesk.com/support/home</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>1.0</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000116290</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000219011</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000219013</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000219018</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000219136</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000219137</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000219138</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000221635</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/1070000221737</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.8</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489245</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489254</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489273</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489414</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489415</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489418</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489419</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489420</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489421</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489766</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489767</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000489768</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000490365</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492637</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492644</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492647</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492921</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492923</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492924</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492944</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492947</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492960</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492962</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492963</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492970</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492972</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000492974</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000493054</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/folders/1070000493075</loc>
  <lastmod>2026-02-08T08:01:18+00:00</lastmod>
  <changefreq>always</changefreq>
  <priority>0.64</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121604-sbm-process-update</loc>
  <lastmod>2025-03-19T15:14:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121605-reminder-for-re-kyc-notification</loc>
  <lastmod>2025-03-19T15:14:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121606-enablement-of-dcc-for-sbm-debit-card-scc-updated-</loc>
  <lastmod>2025-03-19T15:16:30+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121607-process-update</loc>
  <lastmod>2025-03-19T15:18:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121608-sbm-card-compromise</loc>
  <lastmod>2025-03-19T15:19:49+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121609-biometric-kyc-live-for-sbm</loc>
  <lastmod>2025-03-19T15:28:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121610-update-on-resolution-properties</loc>
  <lastmod>2025-03-19T15:30:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121611-deep-links-for-atm-simulator-transaction-tips</loc>
  <lastmod>2025-03-19T15:31:39+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121612-card-delivery-awb</loc>
  <lastmod>2025-03-19T18:31:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121618-visa-cards-do-not-work-in-russia</loc>
  <lastmod>2025-03-19T15:34:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121624-mobile-number-change-update</loc>
  <lastmod>2025-03-19T15:38:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121625-how-to-download-generate-invoices-for-prepaid-mobile-users-</loc>
  <lastmod>2025-03-19T15:41:03+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121626-update-on-fd-creation-issues</loc>
  <lastmod>2025-03-19T15:42:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121637-sbm-card-compromise</loc>
  <lastmod>2025-03-19T15:45:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121638-scc-burning-issues-updating-of-the-tracker-to-be-stopped</loc>
  <lastmod>2025-03-19T15:46:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121639-update-on-bill-payment-fd-closure</loc>
  <lastmod>2025-03-19T15:47:39+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121640-sbm-card-related-scc-dc-process-update</loc>
  <lastmod>2025-03-19T15:49:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121641-sbm-card-related-scc-dc-process-update</loc>
  <lastmod>2025-03-19T15:49:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121642-all-bank-s-otp-their-purpose</loc>
  <lastmod>2025-03-19T15:50:03+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121643-sbm-international-atm-withdrawal-fee-reversal-for-declined-failed-transactions</loc>
  <lastmod>2025-03-19T15:51:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121644-label-ticket-categories-for-trial-transaction-refunds</loc>
  <lastmod>2025-03-19T15:51:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121655-sbm-re-kyc-process-for-abroad-customers-</loc>
  <lastmod>2025-03-19T15:54:04+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121657-blacklisted-mcc-codes-for-sbm-debit-card</loc>
  <lastmod>2025-03-19T15:57:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121658-deep-link-for-ordering-creating-scc</loc>
  <lastmod>2025-03-19T15:57:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121664-sbm-debit-card-access-links-for-test-txn-feature-and-card-health-updated-</loc>
  <lastmod>2025-03-19T16:00:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121670--sbm-first-fund-transfer-fft-debit-freeze-constraint-is-no-longer-applicable</loc>
  <lastmod>2025-03-19T16:06:10+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121676-l1-to-handle-the-sbm-sa-closure-request-process-revised-</loc>
  <lastmod>2025-03-19T16:06:56+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121677-deep-links-for-sbm-dc-channel-lock-card-limits-and-tracking</loc>
  <lastmod>2025-03-19T16:08:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121678-re-kyc-vkyc-completed-account-not-activated</loc>
  <lastmod>2025-03-19T16:11:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121679-sbm-lien-marked-cases</loc>
  <lastmod>2025-03-19T16:12:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121685-sbm-credit-card-bill-payment</loc>
  <lastmod>2025-08-14T19:19:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121686-niyo-upi-for-sbm-users</loc>
  <lastmod>2025-03-19T16:15:04+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121687-deep-link-for-a-list-of-eligible-lounge</loc>
  <lastmod>2025-03-19T16:17:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121688-link-to-download-the-ckyc-certificate</loc>
  <lastmod>2025-03-19T16:17:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121689-sbm-debit-card-flow-new-process-</loc>
  <lastmod>2025-03-19T16:18:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121695-new-projects-for-student-season-ambassador-program-niyo-scholarships-free-lounge-access-at-indian</loc>
  <lastmod>2025-03-19T16:20:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121696-list-of-users-enabled-for-international-transactions-and-rejected-users-update-</loc>
  <lastmod>2025-03-19T16:22:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121697-reasons-for-being-unable-to-add-money-or-send-money-issues</loc>
  <lastmod>2025-03-19T16:24:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121698-unable-to-reset-card-limits-card-lock-unlock-or-channel-lock-unlock-via-biometric-authenticatio</loc>
  <lastmod>2025-03-19T16:25:03+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121699-process-update-for-users-stating-will-escalate-to-ceo-rbi</loc>
  <lastmod>2025-03-19T16:25:29+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121700-faq-s-on-re-kyc</loc>
  <lastmod>2025-03-19T16:25:49+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121701-chats-related-to-visa-queries</loc>
  <lastmod>2025-03-19T16:26:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121702-properties-app-name</loc>
  <lastmod>2025-03-19T16:27:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000121703-user-can-generate-vkyc-link-</loc>
  <lastmod>2025-03-19T16:28:19+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122107-revised-dcb-rate-of-interest</loc>
  <lastmod>2025-03-20T15:42:22+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122108-deep-links-for-atm-simulator-transaction-tips</loc>
  <lastmod>2025-03-20T15:43:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122117-dcc-transactions-now-enabled-on-the-dcb-niyo-card</loc>
  <lastmod>2025-03-20T15:47:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122120-dcb-sa-deep-link-to-access-a-list-of-enabled-countries-</loc>
  <lastmod>2025-03-20T15:48:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122126-dcb-sa-transportation-transaction-declined</loc>
  <lastmod>2025-03-20T15:53:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122127-niyo-dcb-debit-card-whitelisted-for-transactions-in-croatia</loc>
  <lastmod>2025-03-20T15:54:06+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122128-revised-list-of-dcb-debit-card-restricted-countries</loc>
  <lastmod>2025-03-20T15:55:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122134-dcb-sa-transaction-decline-notification</loc>
  <lastmod>2025-03-20T16:02:08+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122141-dcb-biometrics-live-pan-india-</loc>
  <lastmod>2025-03-20T16:06:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122142-what-should-i-do-during-the-video-kyc-call-</loc>
  <lastmod>2025-03-20T16:07:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122143-dcb-video-kyc-rejected</loc>
  <lastmod>2025-03-20T16:08:34+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122144-when-can-i-expect-my-video-kyc-approval-</loc>
  <lastmod>2025-03-20T16:09:04+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122145-agents-are-busy-what-should-i-do-</loc>
  <lastmod>2025-03-20T16:09:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122146-my-call-got-disconnected-what-should-i-do-</loc>
  <lastmod>2025-03-20T16:10:57+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122147-what-could-be-the-reason-for-aadhaar-otp-verification-failure-</loc>
  <lastmod>2025-03-20T16:11:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122148-how-do-i-initiate-a-video-kyc-call-</loc>
  <lastmod>2025-03-20T16:12:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122149-what-should-i-keep-in-hand-during-the-video-kyc-process-</loc>
  <lastmod>2025-03-20T16:12:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122150-why-is-kyc-important-</loc>
  <lastmod>2025-03-20T16:13:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122151-what-is-the-swift-code-for-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-20T16:15:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122152-how-to-check-the-exchange-rate-that-i-ve-been-charged-</loc>
  <lastmod>2025-03-20T16:15:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122157-what-exchange-rate-have-i-been-charged-</loc>
  <lastmod>2025-03-20T16:16:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122159-what-are-foreign-exchange-adjustments-</loc>
  <lastmod>2025-03-20T16:18:30+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122160-what-s-the-exchange-rate-used-in-foreign-transactions-</loc>
  <lastmod>2025-03-20T16:19:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122161-how-do-i-enable-international-transactions-</loc>
  <lastmod>2025-03-20T16:20:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122162-what-is-the-difference-between-the-dcb-niyo-debit-card-and-other-forex-cards-</loc>
  <lastmod>2025-03-20T16:21:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122519-what-is-the-swift-code-for-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-21T17:20:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122525-how-can-i-report-suspicious-or-fraudulent-transactions-</loc>
  <lastmod>2025-03-21T17:21:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122526-can-i-transfer-funds-immediately-after-adding-beneficiary-</loc>
  <lastmod>2025-03-21T17:23:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122527-is-there-a-minimum-amount-that-i-need-to-spend-on-my-first-online-transaction-</loc>
  <lastmod>2025-03-21T17:24:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122528-how-can-i-see-the-past-payments-for-a-particular-person-payee-</loc>
  <lastmod>2025-03-21T17:28:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122529-what-is-the-timeline-for-loading-money-into-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-21T17:29:03+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122530-how-long-does-it-take-to-load-money-to-this-account-</loc>
  <lastmod>2025-03-21T17:30:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122536-what-are-the-fund-transfer-transaction-limits-</loc>
  <lastmod>2025-03-21T17:30:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122537-can-i-cancel-a-fund-transfer-</loc>
  <lastmod>2025-03-21T17:31:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122538-i-am-facing-issues-with-fund-transfer-</loc>
  <lastmod>2025-03-21T17:32:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122539-how-long-does-it-take-to-get-refund-of-failed-transactions-and-how-can-i-track-it-</loc>
  <lastmod>2025-03-21T17:33:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122540-how-can-i-track-the-status-of-my-transactions-</loc>
  <lastmod>2025-03-21T17:34:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122546-are-there-any-balance-requirements-</loc>
  <lastmod>2025-03-21T17:36:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122547-can-i-load-money-using-credit-card-into-this-account-</loc>
  <lastmod>2025-03-21T17:37:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122548-can-i-load-money-using-cash-into-this-account-</loc>
  <lastmod>2025-03-21T17:37:49+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122549-yes-you-can-load-money-into-your-account-using-cash-but-this-can-currently-only-be-done-by-visiting</loc>
  <lastmod>2025-03-21T17:38:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122555-what-is-the-applicable-upi-transaction-limits-</loc>
  <lastmod>2025-03-21T17:41:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122556-how-can-i-create-a-upi-id-for-this-account-</loc>
  <lastmod>2025-03-21T17:42:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122557-can-i-send-money-without-adding-payee-beneficiary-</loc>
  <lastmod>2025-03-21T17:42:40+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122558-how-can-i-transfer-funds-from-my-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-21T17:44:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122746-why-is-otp-mandatory-for-card-delivery-</loc>
  <lastmod>2025-03-22T17:27:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122747-what-does-the-welcome-kit-of-dcb-niyo-savings-account-contain-</loc>
  <lastmod>2025-03-22T17:28:28+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122748-what-will-happen-if-i-am-not-available-at-the-time-of-card-delivery-</loc>
  <lastmod>2025-03-22T17:29:04+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122749-is-the-card-delivery-safe-</loc>
  <lastmod>2025-03-22T17:29:33+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122750-which-address-does-the-card-get-delivered-to-</loc>
  <lastmod>2025-03-22T17:30:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122751-how-can-i-track-the-delivery-status-of-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-22T17:31:08+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122752-how-long-does-it-take-for-the-card-to-deliver-</loc>
  <lastmod>2025-03-22T17:34:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122753-how-long-does-it-take-for-the-card-to-deliver-</loc>
  <lastmod>2025-03-22T17:43:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122754-dcb-saving-account-closure-charges</loc>
  <lastmod>2025-03-22T17:44:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122755-niyo-dcb-savings-account-soc</loc>
  <lastmod>2025-03-22T17:44:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122756-how-can-i-raise-a-grievance-</loc>
  <lastmod>2025-03-22T17:45:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122757-can-i-get-a-cheque-book-with-this-account-</loc>
  <lastmod>2025-03-22T17:45:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122758-can-i-get-a-demand-draft-with-this-account-</loc>
  <lastmod>2025-03-22T17:45:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122759-how-to-reset-internet-banking-password-</loc>
  <lastmod>2025-03-22T17:46:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122760-how-can-i-access-dcb-netbanking-</loc>
  <lastmod>2025-03-22T17:46:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122761-where-can-i-find-my-customer-id-</loc>
  <lastmod>2025-03-22T17:47:33+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122762-how-can-i-close-my-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-22T17:47:53+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122763-can-i-change-my-communication-address-</loc>
  <lastmod>2025-03-22T17:48:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122764-can-i-change-my-registered-mobile-number-or-email-id-</loc>
  <lastmod>2025-03-22T17:48:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122765-where-can-i-find-my-bank-account-s-details-</loc>
  <lastmod>2025-03-22T17:49:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122993-can-i-change-my-name-on-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-23T16:20:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122994-how-to-reorder-dcb-niyo-debit-card-how-to-place-request-for-new-debit-card-in-the-place-of-lost-mis</loc>
  <lastmod>2025-03-23T16:21:14+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122995-do-you-offer-add-on-cards-in-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-23T16:21:33+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122996-i-lost-my-dcb-niyo-debit-card-what-to-do-</loc>
  <lastmod>2025-03-23T16:24:04+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122997-how-can-i-block-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-23T16:24:53+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122998-how-can-i-lock-unlock-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-23T16:25:31+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000122999-how-to-reset-the-pin-for-the-physical-debit-card-</loc>
  <lastmod>2025-03-23T16:25:56+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123000-what-are-the-charges-for-re-ordering-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-23T16:26:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123001-how-can-i-set-up-the-pin-for-the-physical-debit-card-</loc>
  <lastmod>2025-03-23T16:27:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123002-what-are-the-transactional-limits-of-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-23T16:28:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123003-how-can-i-get-the-dcb-niyo-debit-card-and-how-long-will-it-take-for-the-card-to-deliver-</loc>
  <lastmod>2025-03-23T16:28:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123004-how-can-i-add-money-to-my-dcb-account-</loc>
  <lastmod>2025-03-23T16:29:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123688-sbm-name-and-dob-update</loc>
  <lastmod>2025-03-25T12:54:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123739-how-can-i-add-modify-delete-a-nominee-</loc>
  <lastmod>2025-03-25T17:07:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123740-when-is-the-interest-paid-out-</loc>
  <lastmod>2025-03-25T17:07:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123741-is-fixed-deposit-facility-available-</loc>
  <lastmod>2025-03-25T17:08:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123742-how-is-the-interest-calculated-when-is-it-paid-</loc>
  <lastmod>2025-03-25T17:09:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123743-what-is-the-bank-s-name-and-address-details-for-the-fund-transfer-</loc>
  <lastmod>2025-03-25T17:11:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123744-is-there-any-minimum-balance-requirement-in-the-savings-bank-account-</loc>
  <lastmod>2025-03-25T17:12:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123745-what-are-the-benefits-of-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-25T17:12:41+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123746-i-already-have-a-dcb-bank-account-can-i-open-an-account-here-</loc>
  <lastmod>2025-03-25T17:13:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123747-what-are-the-charges-applicable-on-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-25T17:14:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123748-am-i-eligible-to-apply-for-this-account-</loc>
  <lastmod>2025-03-25T17:14:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123749-how-safe-secure-is-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-25T17:15:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123750-know-more-about-dcb-bank</loc>
  <lastmod>2025-03-25T17:15:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123751-what-is-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-25T17:16:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000123767-secured-credit-card-closure</loc>
  <lastmod>2025-03-25T19:09:29+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124373-can-i-change-my-name-on-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-27T14:49:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124379-what-are-the-transactional-limits-of-the-dcb-niyo-debit-card-</loc>
  <lastmod>2025-03-27T14:55:55+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124380-what-is-the-bank-s-name-and-address-details-for-the-fund-transfer-</loc>
  <lastmod>2025-03-27T15:00:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124382-is-there-any-minimum-balance-requirement-in-the-savings-bank-account-</loc>
  <lastmod>2025-03-27T15:01:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124383-what-are-the-benefits-of-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-27T15:03:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124384-i-already-have-a-dcb-bank-account-can-i-open-an-account-here-</loc>
  <lastmod>2025-03-27T15:04:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124385-what-are-the-charges-applicable-on-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-27T15:05:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124386-how-safe-secure-is-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-27T15:06:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124387-know-more-about-dcb-bank</loc>
  <lastmod>2025-03-27T15:06:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124388-what-is-the-dcb-niyo-savings-account-</loc>
  <lastmod>2025-03-27T15:07:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124389-what-is-a-passport-file-number-</loc>
  <lastmod>2025-03-27T15:13:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124390-when-does-the-passport-verification-fail-</loc>
  <lastmod>2025-03-27T15:14:06+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124391-i-don-t-have-a-passport-can-i-still-create-a-dcb-niyo-savings-account-on-the-niyo-app-</loc>
  <lastmod>2025-03-27T15:14:31+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124397-can-i-update-change-the-mailing-address-at-the-time-of-card-order-</loc>
  <lastmod>2025-03-27T15:18:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124398-is-income-declaration-mandatory-</loc>
  <lastmod>2025-03-27T15:18:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124399-why-do-you-need-my-mailing-address-</loc>
  <lastmod>2025-03-27T15:19:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124400-isic-card-for-students</loc>
  <lastmod>2025-03-27T15:20:28+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124401-tcs-section-on-the-niyo-app</loc>
  <lastmod>2025-03-27T15:21:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124402-how-to-contact-planet-s-customer-services-</loc>
  <lastmod>2025-03-27T15:24:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124403-what-are-the-terms-and-conditions-</loc>
  <lastmod>2025-03-27T15:25:02+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124404-can-i-track-my-refund-</loc>
  <lastmod>2025-03-27T15:25:29+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124405-can-i-claim-the-vat-on-behalf-of-someone-else-</loc>
  <lastmod>2025-03-27T15:26:22+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124406-can-i-change-my-refund-option-</loc>
  <lastmod>2025-03-27T15:27:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124407-why-did-you-charge-my-credit-card-</loc>
  <lastmod>2025-03-27T15:27:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124408-how-long-will-it-take-for-my-vat-refund-to-come-through-</loc>
  <lastmod>2025-03-27T15:28:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124409-for-credit-card-refunds-must-it-be-the-same-credit-card-that-i-used-to-purchase-the-goods-</loc>
  <lastmod>2025-03-27T15:28:44+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124410-is-there-a-separate-charge-for-collecting-my-refund-in-cash-at-the-airport-</loc>
  <lastmod>2025-03-27T15:29:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124411-how-can-i-get-my-refund-</loc>
  <lastmod>2025-03-27T15:29:40+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124412-what-is-export-validation-</loc>
  <lastmod>2025-03-27T15:30:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124413-is-it-compulsory-to-get-a-tax-free-form-</loc>
  <lastmod>2025-03-27T15:30:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124414-i-am-a-foreign-student-studying-overseas-can-i-shop-tax-free-</loc>
  <lastmod>2025-03-27T15:30:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124415-am-i-eligible-for-tax-free-shopping-</loc>
  <lastmod>2025-03-27T15:31:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124416-rbi-escalations</loc>
  <lastmod>2025-03-27T15:32:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124417-update-on-niyo-coins-policy-effective-september-1-2024</loc>
  <lastmod>2025-03-27T15:33:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124418-how-do-i-redeem-the-niyo-coins-</loc>
  <lastmod>2025-03-27T15:34:31+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124424-is-there-an-option-to-encash-niyo-coins-</loc>
  <lastmod>2025-03-27T15:35:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124425-what-is-a-referral-program-</loc>
  <lastmod>2025-03-27T15:35:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124426-can-i-swipe-earn-using-the-niyo-card-</loc>
  <lastmod>2025-03-27T15:36:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124427-what-are-the-methods-of-earning-coins-</loc>
  <lastmod>2025-03-27T15:36:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124428-when-do-the-niyo-coins-expire-</loc>
  <lastmod>2025-03-27T15:37:02+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124429-what-is-the-value-of-1-niyo-coin-</loc>
  <lastmod>2025-03-27T15:37:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124430-what-is-the-maximum-number-of-coins-a-user-can-earn-in-a-month-</loc>
  <lastmod>2025-03-27T15:37:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124431-who-is-eligible-for-this-program-</loc>
  <lastmod>2025-03-27T15:38:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124432-what-are-niyo-coins-</loc>
  <lastmod>2025-03-27T15:38:44+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124433-how-does-spending-based-lounge-access-work-</loc>
  <lastmod>2025-03-27T15:39:40+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124434-does-the-tax-free-form-need-to-be-fully-completed-in-store-</loc>
  <lastmod>2025-03-27T15:46:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124435-in-which-countries-can-i-shop-tax-free-through-planet-</loc>
  <lastmod>2025-03-27T15:47:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124436-what-if-my-last-departure-point-from-the-eu-is-through-transit-flight-via-another-eu-country-</loc>
  <lastmod>2025-03-27T15:48:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124437-where-are-the-cash-refund-points-located-</loc>
  <lastmod>2025-03-27T15:48:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124438-how-do-i-know-which-stores-offer-tax-free-shopping-</loc>
  <lastmod>2025-03-27T15:49:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124439-what-goods-are-eligible-for-tax-free-shopping-</loc>
  <lastmod>2025-03-27T15:50:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124440-should-my-luggage-with-the-exported-goods-be-checked-in-before-customs-</loc>
  <lastmod>2025-03-27T15:51:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124441-under-what-heading-and-in-what-currency-will-my-refund-appear-on-my-credit-card-statement-</loc>
  <lastmod>2025-03-27T15:51:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124442-where-do-i-mail-my-planet-tax-free-form-</loc>
  <lastmod>2025-03-27T15:52:28+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124443-escalation-matrix-for-any-esim-related-queries</loc>
  <lastmod>2025-03-27T15:53:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124444-visa2fly-apply-for-visa-through-niyo</loc>
  <lastmod>2025-03-27T15:54:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124445-free-esim-1gb-data-on-international-flight-bookings</loc>
  <lastmod>2025-03-27T15:54:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124446-what-are-the-impacts-for-non-premium-users-</loc>
  <lastmod>2025-03-27T15:55:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124447-what-are-the-benefits-provided-to-premium-users-</loc>
  <lastmod>2025-03-27T15:55:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124448-what-is-niyo-premium-</loc>
  <lastmod>2025-03-27T15:56:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124449-cancellation-rejection-refund-process</loc>
  <lastmod>2025-03-27T15:57:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124450-what-is-post-order-delivery-</loc>
  <lastmod>2025-03-27T15:58:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124451-what-is-the-delivery-process-for-forex-cash-</loc>
  <lastmod>2025-03-27T15:58:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124452-what-are-the-tax-implications-for-forex-cash-</loc>
  <lastmod>2025-03-27T15:59:22+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124453-slab-for-gst-calculation</loc>
  <lastmod>2025-03-27T16:00:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124454-purpose-documents-required-for-forex-cash</loc>
  <lastmod>2025-03-27T16:01:41+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124455-details-needed-for-document-validation-for-first-time-users-</loc>
  <lastmod>2025-03-27T16:02:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124456-objectives-of-forex-cash</loc>
  <lastmod>2025-03-27T16:03:06+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124457-what-is-forex-cash-</loc>
  <lastmod>2025-03-27T16:03:33+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124458-how-to-calculate-gst-tcs-for-remittance</loc>
  <lastmod>2025-03-27T16:04:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124459-list-of-countries-available-for-remittance</loc>
  <lastmod>2025-03-27T16:06:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124460-what-is-a-swift-charge-</loc>
  <lastmod>2025-03-27T16:06:41+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124461-what-purpose-can-a-user-send-money-aboard-</loc>
  <lastmod>2025-03-27T16:07:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124462-what-is-the-tcs-percentage-considered-while-paying-through-an-educational-loan-</loc>
  <lastmod>2025-03-27T16:07:40+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124463-what-documents-are-needed-to-send-the-money-</loc>
  <lastmod>2025-03-27T16:08:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124464-when-does-the-money-get-credited-to-the-beneficiary-</loc>
  <lastmod>2025-03-27T16:08:29+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124465-when-does-the-money-get-credited-to-the-beneficiary-</loc>
  <lastmod>2025-03-27T16:10:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124466-what-is-the-duration-for-locking-the-exchange-rates-</loc>
  <lastmod>2025-03-27T16:11:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124467-reversal-of-forex-markup-charges-as-niyo-coins</loc>
  <lastmod>2025-03-27T16:11:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124663-equitas-revised-rate-of-interest-effective-10th-jan-2025</loc>
  <lastmod>2025-03-28T15:55:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124664-equitas-app-related</loc>
  <lastmod>2025-03-28T15:55:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124665-discontinuing-the-lounge-program-on-equitas</loc>
  <lastmod>2025-03-28T15:55:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124666-general-information-on-equitas</loc>
  <lastmod>2025-03-28T15:56:19+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124667-where-can-i-find-my-bank-account-details-</loc>
  <lastmod>2025-03-28T16:02:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124668-sbm-dc-international-transactions-live</loc>
  <lastmod>2025-03-28T16:03:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124669-sbm-lien-related-response-cases-workbench-</loc>
  <lastmod>2025-03-28T16:05:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124670-sbm-non-f2f-kyc-and-lrs-limit-utilized-for-2024-25</loc>
  <lastmod>2025-03-28T16:07:31+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124671-sbm-savings-account-statement</loc>
  <lastmod>2025-03-28T16:08:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124672-sbm-exchange-rate</loc>
  <lastmod>2025-03-28T16:09:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124673-what-is-my-swift-code-</loc>
  <lastmod>2025-03-28T16:09:53+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124674-what-is-fx-adjustment-</loc>
  <lastmod>2025-03-28T16:10:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124676-sbm-how-to-transfer-funds-</loc>
  <lastmod>2025-03-28T16:11:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124681-moto-payments-response-</loc>
  <lastmod>2025-03-28T16:12:08+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124682-what-is-credit-freeze-</loc>
  <lastmod>2025-03-28T16:13:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124683-what-is-credit-freeze-</loc>
  <lastmod>2025-03-28T16:13:39+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124684-what-kind-of-merchant-transactions-exist-</loc>
  <lastmod>2025-03-28T16:14:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124685-how-do-i-track-view-my-transactions-refund-tat-</loc>
  <lastmod>2025-03-28T16:14:59+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124686-what-kind-of-merchant-transactions-exist-</loc>
  <lastmod>2025-03-28T16:15:40+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124692-how-do-i-track-view-my-transactions-refund-tat-</loc>
  <lastmod>2025-03-28T16:17:56+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124693-how-do-i-load-money-into-my-niyo-sbm-account-tat-</loc>
  <lastmod>2025-03-28T16:18:52+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124694-how-do-i-create-my-upi-id-for-niyo-sbm-account-</loc>
  <lastmod>2025-03-28T16:19:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124695-what-is-dcc-dynamic-currency-conversion</loc>
  <lastmod>2025-03-28T16:20:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124696-tat-for-add-money-via-upi-issue</loc>
  <lastmod>2025-03-28T16:21:34+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124697-mcc-codes-decline-reason-and-response</loc>
  <lastmod>2025-03-28T16:22:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124703-what-is-cdr-response-</loc>
  <lastmod>2025-03-28T16:23:30+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124704-transaction-decline-reasons-action</loc>
  <lastmod>2025-03-28T16:24:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124705-resolution-mis-group-tickets-are-not-to-be-actioned</loc>
  <lastmod>2025-03-28T16:25:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124706-sbm-savings-account-debit-card-charges</loc>
  <lastmod>2025-03-28T16:28:55+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124707-how-safe-secure-is-the-niyo-sbm-account-</loc>
  <lastmod>2025-03-28T16:29:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124708-sbm-basics-and-benefits</loc>
  <lastmod>2025-03-28T16:30:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124714-how-secure-is-my-card-before-it-gets-delivered-</loc>
  <lastmod>2025-03-28T16:51:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124715-how-do-i-track-my-card-</loc>
  <lastmod>2025-03-28T16:52:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124721-what-happens-if-i-lose-my-card-</loc>
  <lastmod>2025-03-28T16:54:02+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124722-can-i-get-a-supplimentary-add-on-card-</loc>
  <lastmod>2025-03-28T16:54:31+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124723-how-can-i-reorder-a-niyo-sbm-card-</loc>
  <lastmod>2025-03-28T16:55:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124724-can-i-change-the-name-on-my-card-</loc>
  <lastmod>2025-03-28T16:55:39+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124725-how-can-i-lock-unlock-my-card-</loc>
  <lastmod>2025-03-28T16:57:44+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124726-can-i-change-the-card-delivery-address-from-my-previous-address-</loc>
  <lastmod>2025-03-28T16:58:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124727-how-do-i-change-my-atm-pin-</loc>
  <lastmod>2025-03-28T16:58:44+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124728-how-can-i-block-my-card-</loc>
  <lastmod>2025-03-28T16:59:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124729-sbm-dc-new-card-order-flow</loc>
  <lastmod>2025-03-28T17:02:24+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124730-sbm-card-delivery-process-otp-issue</loc>
  <lastmod>2025-03-28T17:03:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124731-sbm-card-delivery-process-incomplete-address-address-change</loc>
  <lastmod>2025-03-28T17:04:53+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124732-sbm-card-delivery-process-ticket-creation-update</loc>
  <lastmod>2025-03-28T17:05:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124733-sbm-card-delivery-process-faster-card-delivery</loc>
  <lastmod>2025-03-28T17:09:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124734-sbm-card-delivery-process-delivered-not-received-</loc>
  <lastmod>2025-03-28T17:09:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124735-sbm-card-delivery-tat-latest-</loc>
  <lastmod>2025-03-28T17:10:03+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124736-m2p</loc>
  <lastmod>2025-03-28T17:12:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124737-sbm-account-inactive-updated-</loc>
  <lastmod>2025-03-28T17:14:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124738-sbm-savings-account-interest-rates</loc>
  <lastmod>2025-03-28T17:16:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124739-which-address-will-the-card-be-delivered-to-</loc>
  <lastmod>2025-03-28T17:17:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124740-sbm-unable-to-receive-otp-for-ecom-txn</loc>
  <lastmod>2025-03-28T17:17:53+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124741-savings-account-closure</loc>
  <lastmod>2025-03-28T17:18:44+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124742-tds-related</loc>
  <lastmod>2025-03-28T17:19:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124743-unable-to-set-upi-pin</loc>
  <lastmod>2025-03-28T17:19:50+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124744-error-creating-upi-id-using-a-third-party-app-expired-debit-card-</loc>
  <lastmod>2025-03-28T17:20:17+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124745-upi-payment-issue</loc>
  <lastmod>2025-03-28T17:20:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124746-international-receiving-money-iir-</loc>
  <lastmod>2025-03-28T17:21:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124747-unable-to-load-funds-imps</loc>
  <lastmod>2025-03-28T17:23:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124748-unable-to-load-funds-upi</loc>
  <lastmod>2025-03-28T17:23:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124749-receiving-money-issue</loc>
  <lastmod>2025-03-28T17:24:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124750-dispute-chargeback</loc>
  <lastmod>2025-03-28T17:26:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124751-fund-transfer-issue</loc>
  <lastmod>2025-03-28T17:27:10+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124752-dispute-transaction</loc>
  <lastmod>2025-03-28T17:28:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124753-internet-banking-mobile-banking-login-query</loc>
  <lastmod>2025-03-28T17:30:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124754-name-correction-sbm</loc>
  <lastmod>2025-03-28T17:32:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124755-sbm-service-request-communication-address-change</loc>
  <lastmod>2025-03-28T17:33:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124756-cheque-book-request</loc>
  <lastmod>2025-03-28T17:34:30+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124762-how-do-i-get-the-secured-credit-card-</loc>
  <lastmod>2025-03-28T17:46:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124763-scc-setting-up-the-pin-activating-the-card-</loc>
  <lastmod>2025-03-28T17:47:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124764-global-sbm-card-has-now-changed-from-visa-infinite-to-visa-platinum</loc>
  <lastmod>2025-03-28T17:47:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124765-sbm-scc-dpd-on-workbench-surrendered-</loc>
  <lastmod>2025-03-28T17:48:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124766-scc-limit-new-update-comms-</loc>
  <lastmod>2025-03-28T17:50:06+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124767-what-is-a-secured-credit-card-</loc>
  <lastmod>2025-03-28T17:50:33+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124768-routine-maintenance</loc>
  <lastmod>2025-03-28T17:50:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124769-how-can-i-increase-my-credit-card-limit-</loc>
  <lastmod>2025-03-28T17:51:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124770-do-i-get-reward-points-on-my-purchases-</loc>
  <lastmod>2025-03-28T17:51:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124771-can-i-convert-my-purchases-into-emi-</loc>
  <lastmod>2025-03-28T17:52:05+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124772-sbm-scc-accepted-countries</loc>
  <lastmod>2025-05-28T12:23:59+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124773-scc-interest-free-period</loc>
  <lastmod>2025-03-28T17:52:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124774-secured-credit-card-interest-charged</loc>
  <lastmod>2025-03-28T17:53:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124775-credit-card-statement-response-</loc>
  <lastmod>2025-03-28T17:54:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124776-scc-atm-withdrawal-limits-logic-charges</loc>
  <lastmod>2025-03-28T17:55:19+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124777-card-locked-unusual-activity-error-uh-oh-something-s-fishy-</loc>
  <lastmod>2025-03-28T17:56:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124778-where-will-the-fd-interest-amount-be-credited-after-maturity-</loc>
  <lastmod>2025-03-28T17:57:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124779-why-do-i-create-an-fd-to-get-a-credit-card-</loc>
  <lastmod>2025-03-28T17:58:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124780-scc-fd-interest-certificate-response</loc>
  <lastmod>2025-03-28T17:58:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124781-can-i-withdraw-the-fd-before-maturity-</loc>
  <lastmod>2025-03-28T17:59:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124782-scc-fd-interest-rates-and-response-for-fluctuations-interest-earned-</loc>
  <lastmod>2025-03-28T18:00:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124783-scc-bill-payment-limit-via-bill-desk</loc>
  <lastmod>2025-03-28T18:02:55+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124784-scc-bill-payment-limit-via-bill-desk</loc>
  <lastmod>2025-03-28T18:05:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124786-1-free-lounge-access-on-scc-credit-card-order</loc>
  <lastmod>2025-03-28T18:58:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124842-how-do-i-get-the-secured-credit-card-</loc>
  <lastmod>2025-03-29T11:52:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124843-scc-setting-up-the-pin-activating-the-card-</loc>
  <lastmod>2025-03-29T11:53:03+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124844-global-sbm-card-has-now-changed-from-visa-infinite-to-visa-platinum</loc>
  <lastmod>2025-03-29T11:53:55+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124845-sbm-scc-dpd-on-workbench-surrendered-1-</loc>
  <lastmod>2025-03-29T11:55:29+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124863-list-of-users-enabled-for-international-transactions-and-rejected-users-update-</loc>
  <lastmod>2025-03-29T15:58:28+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124864-process-update-for-users-stating-will-escalate-to-ceo-rbi</loc>
  <lastmod>2025-03-29T15:59:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124865-chats-related-to-visa-queries</loc>
  <lastmod>2025-03-29T15:59:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124866-properties-app-name</loc>
  <lastmod>2025-03-29T16:01:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124867-more-ways-to-login-update-from-tech</loc>
  <lastmod>2025-03-29T16:02:49+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124868-dpd-users-will-not-be-able-to-recreate-an-fd</loc>
  <lastmod>2025-03-29T16:03:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124869-scc-canned-responses-images</loc>
  <lastmod>2025-03-29T16:05:32+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124870-sbm-accounts-belonging-to-j-k-customers-were-closed</loc>
  <lastmod>2025-03-29T16:07:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124871-user-can-generate-vkyc-link-</loc>
  <lastmod>2025-03-29T16:08:02+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124872-sbm-scc-fd-tenure</loc>
  <lastmod>2025-03-29T16:08:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124873-dpd-communication-sent-to-the-users</loc>
  <lastmod>2025-03-29T16:10:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124874-app-login-resolution-guide-</loc>
  <lastmod>2025-03-29T16:14:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124875-rekyc-email-sent-from-the-sbm-bank-to-all-the-customers</loc>
  <lastmod>2025-03-29T16:16:39+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124876-sbm-stuck-money-process</loc>
  <lastmod>2025-03-29T16:17:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124877-user-can-generate-vkyc-link-</loc>
  <lastmod>2025-03-29T16:17:42+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124878-user-can-generate-vkyc-link-</loc>
  <lastmod>2025-03-29T16:18:37+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124884-update-for-the-onboarding-team</loc>
  <lastmod>2025-03-29T16:34:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124885-oa-banks-blacklisted-pincodes-kerala</loc>
  <lastmod>2025-03-29T16:34:49+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124886-chats-related-to-visa-queries</loc>
  <lastmod>2025-03-29T16:36:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124897-onboarding-errors-actions</loc>
  <lastmod>2025-03-29T17:46:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124898-how-do-i-access-other-features-without-turning-off-travel-mode-</loc>
  <lastmod>2025-03-29T17:47:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124899-video-kyc-timings-for-sbm-dcb-updated</loc>
  <lastmod>2025-03-29T17:47:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124900-enquiry-for-ordering-niyo-cards-in-bulk</loc>
  <lastmod>2025-03-29T17:48:08+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124901-how-to-download-digitally-verified-masked-aadhaar-</loc>
  <lastmod>2025-03-29T17:48:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124902-what-is-travel-mode-and-what-are-the-benefits-of-travel-mode-</loc>
  <lastmod>2025-03-29T17:49:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124903-chat-resolution-new-process</loc>
  <lastmod>2025-03-29T17:50:14+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124904-login-without-phone-verification-step-if-the-user-s-geolocation-is-outside-india</loc>
  <lastmod>2025-03-29T17:52:12+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124905-troubleshooting-method-response-app-issues-</loc>
  <lastmod>2025-03-29T17:52:44+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124906-rbi-restricted-pin-codes</loc>
  <lastmod>2025-03-29T17:53:07+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124907-how-is-travel-mode-different-from-my-current-niyo-settings-</loc>
  <lastmod>2025-03-29T17:53:30+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124908-ticket-resolution-new-process</loc>
  <lastmod>2025-03-29T17:53:57+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124909-report-unauthorized-or-suspicious-email</loc>
  <lastmod>2025-03-29T17:55:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124910-oneapp-account-deprecation-request-</loc>
  <lastmod>2025-03-29T17:55:38+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124911-e-sim-not-accepted-on-oa</loc>
  <lastmod>2025-03-29T17:56:02+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124912-e-sim-not-accepted-on-oa</loc>
  <lastmod>2025-03-29T17:56:22+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124975-tcs-section-on-the-niyo-app</loc>
  <lastmod>2025-03-30T14:52:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124976-niyopay-upi-intro-limits-</loc>
  <lastmod>2025-03-30T14:53:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124977-travel-insurance</loc>
  <lastmod>2025-03-30T14:55:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124978-credit-score-check-on-niyo-screens-</loc>
  <lastmod>2025-03-30T14:55:33+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124979-forex-cash-feature-extravelmoney-</loc>
  <lastmod>2025-03-30T14:57:27+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124980-forex-cash-feature-extravelmoney-</loc>
  <lastmod>2025-03-30T14:58:06+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000124981-how-does-the-travel-mode-work-</loc>
  <lastmod>2025-03-30T14:58:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000131317-sbm-lrs-tcs-update-fy-2025</loc>
  <lastmod>2025-04-24T17:30:01+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000131324-updated-international-transaction-limits-for-sbm-debit-cards-effective-1st-april-2025-</loc>
  <lastmod>2025-04-24T17:33:11+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000131331-annual-fee-on-sbm-debit-card-2025</loc>
  <lastmod>2025-04-24T17:40:00+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000131338-revised-sbm-soc-2025</loc>
  <lastmod>2025-04-24T17:47:19+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000131341-sbm-account-closure-documents-required</loc>
  <lastmod>2025-04-24T17:57:39+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136081-update-on-sbm-re-kyc-as-on-13-may-2025</loc>
  <lastmod>2025-05-13T16:01:15+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136168-sbm-debit-card-overall-limit</loc>
  <lastmod>2025-05-19T19:16:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136453-rekyc-options-and-links-for-sbm-account-holders</loc>
  <lastmod>2025-05-28T11:44:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136628-scc-reduction-of-limit</loc>
  <lastmod>2025-05-30T16:20:43+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136692-list-of-lounge-available-for-niyo-card</loc>
  <lastmod>2025-06-05T12:15:56+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136693-ineligible-mcc-codes-for-earning-niyo-coins</loc>
  <lastmod>2025-06-05T12:32:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136782-process-update-on-the-scc-card-closure-on-sbm-account-closure-request-11th-june-2025</loc>
  <lastmod>2025-06-11T14:58:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136816-sbm-debit-and-credit-cards-are-not-accepted-in-ukraine-</loc>
  <lastmod>2025-06-13T19:19:10+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136985-sbm-tcs-update</loc>
  <lastmod>2025-06-25T14:08:40+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136986-sbm-scc-card-transaction-failure-error-code</loc>
  <lastmod>2025-06-25T14:33:34+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136987-raising-transaction-dispute-for-sbm-debit-card-via-the-app</loc>
  <lastmod>2025-06-25T14:47:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136988-latest-app-version</loc>
  <lastmod>2025-06-25T14:53:21+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136989-re-kyc-extension-for-abroad-users</loc>
  <lastmod>2025-06-25T14:56:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136994-process-update-sbm-account-closure-request</loc>
  <lastmod>2025-06-26T02:13:26+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000136996-tasks-to-be-done-for-sbm-account-closure-process</loc>
  <lastmod>2025-06-26T02:19:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137199-change-in-free-international-atm-withdrawals-effective-august-1st-2025</loc>
  <lastmod>2025-07-04T17:53:57+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137208-sbm-upi-live</loc>
  <lastmod>2025-07-08T12:33:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137220-fd-interest-certificate-request</loc>
  <lastmod>2025-07-11T11:11:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137223-sbm-update-in-app-handling-for-closed-sbm-accounts</loc>
  <lastmod>2025-07-11T17:58:41+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137398-user-chat-landing-support-unavailable-secure-meta-notice</loc>
  <lastmod>2025-07-25T11:08:35+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137400-sbm-door-step-kyc-biometric-</loc>
  <lastmod>2025-07-25T18:09:36+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137424-dcb-niyo-savings-account-manual</loc>
  <lastmod>2025-07-29T18:17:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137425-tap-pay-limit-exceed-error-solution-to-be-provided</loc>
  <lastmod>2025-07-29T18:41:58+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137482-sbm-debit-card-tap-pay-limit-increased-</loc>
  <lastmod>2025-08-06T14:29:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137487-process-update-onboarding-data-deprecation</loc>
  <lastmod>2025-08-06T17:59:57+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137489-dcb-amc-reversal-via-coins</loc>
  <lastmod>2025-08-06T18:07:10+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137521-sbm-debit-card-re-order-limit</loc>
  <lastmod>2025-08-13T17:07:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137522-automatic-lock-on-international-transactions-for-enhanced-security</loc>
  <lastmod>2025-08-08T18:58:09+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137523-international-channel-enablement-and-troubleshooting-for-newly-onboarded-users</loc>
  <lastmod>2025-08-08T19:17:16+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137556--preferred-name-on-card-option-for-sbm-dc-scc-cards</loc>
  <lastmod>2025-08-13T23:30:22+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137570-test</loc>
  <lastmod>2025-08-14T17:19:54+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137615--sbm-dc-lrs-enablement-logic-</loc>
  <lastmod>2025-08-21T19:07:45+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137639-sbm-standalone-fixed-deposit-fd-faqs</loc>
  <lastmod>2025-08-29T11:44:23+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137650-cif-status-check-wb</loc>
  <lastmod>2025-09-03T12:40:51+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000137737-sbm-scc-total-spending-limit-bill-payment</loc>
  <lastmod>2025-09-12T19:07:13+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139076-sbm-vkyc-process</loc>
  <lastmod>2026-01-16T17:56:22+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139077-currently-abroad-please-activate-my-account</loc>
  <lastmod>2026-01-16T17:59:20+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139080-sbm-restricted-pincodes</loc>
  <lastmod>2026-01-16T18:05:41+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139081-handling-niyo-app-related-issue</loc>
  <lastmod>2026-01-16T18:08:46+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139082-bill-payments-using-bbps-and-upi-sbm-scc-</loc>
  <lastmod>2026-01-16T18:15:08+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139084-current-active-reward-coins-earning</loc>
  <lastmod>2026-01-16T18:22:47+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139086-sbm-scc-rewards</loc>
  <lastmod>2026-01-16T18:28:48+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139087-sbm-scc-card-reorder</loc>
  <lastmod>2026-01-16T18:30:18+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139088-niyo-express-sbm-account-is-now-live</loc>
  <lastmod>2026-01-16T18:34:57+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139089-sbm-debit-card-transaction-limits</loc>
  <lastmod>2026-01-16T18:36:25+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139090-sbm-scc-fd-top-up-credit-limit-update-issue</loc>
  <lastmod>2026-01-16T18:38:29+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
<url>
  <loc>https://teamniyo.freshdesk.com/support/solutions/articles/1070000139091-how-to-initiate-a-fund-transfer-sbm-account</loc>
  <lastmod>2026-01-16T18:47:34+05:30</lastmod>
  <changefreq>always</changefreq>
  <priority>0.512</priority>
</url>
</urlset>
