Emirates NBD LIV

Emirates NBD

Minimum Balance AED 2500
Minimum Balance AED 2500

Top Reasons To Choose

  • Fully digital and instant account opening
  • Transparent and simple
  • Upto 1.5% interest p.a
  • Free platinum credit card*

Things To Be Aware Of

  • ATM charges of 3 for balance enquiry
  • Foreign currency transaction fee is 1.84%
  • Remittance to India, Pakistan, Sri Lanka, Philippines AED9.9

Earn upto 1.5% return on your balances with Liv., the UAE’s fastest growing digital-only lifestyle bank powered by Emirates NBD.

And yes! Whether it’s on the current Liv. account or the Goal Account saving feature, Liv. is like a digital money box that allows you to earn the same 1.5% p.a. interest!

Reach your financial goals and achieve more of what you actually want with Liv. Create as many Goals as you want, and use auto-rules to get closer to your dreams. Whether it is travel, buying a new gadget or a gift for a loved one, or simply saving for a rainy day, move money automatically into your Goal Accounts at specified intervals. Set a monthly fixed amount, or save a fixed amount every time you use your Liv. debit card or just set your target date and amount – and we’ll do the math for you! Our goal is to help you achieve yours.

Get your Liv. account now in just a few minutes #NoPaperwork. All you need is your Emirates ID, a valid UAE phone number and a smartphone!

Download the Liv. app now from Apple or Google store.

Reward/Deposit Features

Earn points, or ‘livions’, for all kinds of interactions with your Liv. app & card

Livions give you access to all the cool games & contests Liv runs

Pro tip: your livions are valid for 90 days from the day they’re earned. They’ll expire on the 91st day, so don’t forget to use them up!


  • UAE Resident 
  • Valid Emirates ID, Passport and Visa
  • Valid Phone number

Liv. account is free of any monthly maintenance charges if:

  • student (under 23 years age)
  • keep a monthly average balance of AED 2,500
  • transfer monthly salary of AED 4,000+ to Liv.
  • spend at least AED 1,000 with your Liv. card/ month
  • have a Liv. Credit card or a Liv. Personal loan

AED 15 per month if unable to do any of the above 

Documents Required

  • Valid UAE mobile number
  • Emirates ID

Detailed Features

Once you download the app from your device’s app store, you login, scan your emirates ID through the app, top up your liv. account and sit back. Local delivery service fetchr will then contact you within a day and drop off your brand new liv. debit card almost immediately.

The app’s interface is incredibly easy to use, you can set up your utility, mobile and salik accounts to a one-tap payment system. The app also allows you to transfer and receive money to and from your friends’ liv accounts

  • Free LIV Visa debit card is provided on the account opening
  • Get up to 50% off at selected merchants which includes shopping, dining, entertainment and leisure
  • Get 25% OFF on movie tickets at Reel Cinemas
  • Get AED 200 OFF on flight ticket bookings on travelstart UAE
  • Get 30% discount on first three careem rides and 15% OFF on 4 careem rides monthly
  • Get Buy 1 Get 1 Free offers at Burger King and Papa John's
  • Provides 1.5% profit rate per annum
  • Can open the account online instantly using the liv app
  • Free Platinum Credit Card who met the credit card requirements such as minimum income, healthy bureau score etc.,


  • Earn 1.5% p.a. interest on your average monthly balance between AED 10,000 and AED 500,000; and 0.25% on average monthly balances above AED 500,000. Interest is credited at the end of each month.
  • You can open one main account for yourself, and as many Goal accounts as you like. Liv doesn’t currently offer supplementary cards, so encourage your loved ones to open a Liv. account and enjoy all the benefits!
  • Pro tip: you can spend up to AED 25,000 on your debit card each day
  • Remember, your account will turn inactive if not used for 12 months. Simply top up to activate it

To transfer your salary to Liv., simply go to Settings > Transfer my salary to Liv. This will generate an automatic email for you to send to your HR team, providing them with the necessary details.

If your salary is transferred to Liv., it will automatically be credited once your employer pays it. If your salary is delayed, please contact your employer.

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