Your mobile is your banking hub – Keep it safe

Your phone is the key to your banking. Here’s how to protect it:

• Only download apps from trusted stores
  → Stick to the App Store or Google Play Store – avoid third-party sources.

• Install anti-malware software
  → A reliable antivirus app adds an extra layer of safety.

• Keep your phone and apps updated
  → Updates fix security holes that hackers can use.

• Don’t jailbreak or root your phone
  → It weakens your phone’s built-in protection.

• Use screen lock and log out after banking
  → Always lock your screen and sign out of the Niyo app when done.

• Never save passwords or card numbers on your phone
  → If your phone is lost or stolen, this data can be misused.

Monitor regularly. Stay one step ahead.

• Enable SMS & email alerts
  → Get real-time updates for every transaction.

• Review bank statements and app activity
  → Spot any unauthorised use early and report it fast.

Be alert, avoid scams

Not every message or call is genuine. Here’s how to stay safe:

• Never share confidential details
  → Niyo and SBM Bank will never ask for your OTP, password, or card details via call, SMS, or email.

• Watch out for shoulder surfers
  → Cover your screen while entering PINs in public.

• Fake apps look real – verify before downloading
  → Only trust the official Niyo app (check that the developer email ends with @goniyo.com).

• No network on your phone suddenly? Act fast!
  → It might be a SIM swap fraud. Call your mobile provider from another number and alert SBM Bank immediately.

Lost your phone? Here’s what to do:

→ Call SBM Bank (India) right away at
1800 1033 817 / 1800 2099 335

→ Or email at
customercare@sbmbank.co.in

Final tip

Security starts with awareness.
Make these habits part of your daily routine and enjoy worry-free banking with your Niyo SBM Credit Card.

For your safety, always reach out to Niyo or SBM Bank using your registered email ID. This ensures your identity can be verified and your query is addressed securely.