Liv Charges

Liv Primary Account

Account Maintenance & Closure fee

Students aged up to 23 years (with proof)	Free
You need to transfer monthly salary of AED 5,000 or more to Liv If you can’t then do either of the following Spend at least AED 2,500 per month with your Liv debit card Have an active Liv Credit Card Or keep your monthly average balance of AED 3,000. (that includes all balances in primary account and goal accounts.) Example - If your primary account has AED 100 and your goal account has AED 2,900 for the whole month, you will not be charged.	Free
If you're unable to do any of the above	AED 25* p/m
Early Account Closure Fee (within 6 months)	AED 50*

*All charges, commissions and fees mentioned are exclusive of VAT

Statements

Downloading of E-statements	Free
Stamped Statement – Delivery	AED 23.81

Card issuance

Delivery of 1st Liv Card to your preferred location	Free
Scheduling of 3rd Appt for Card	AED 25
Liv Card Early Replacement	AED 25

Emirates NBD ATMs in UAE

Cash Withdrawal	Free
Balance Enquiry	Free
Cash Deposit to Liv Account	Free

Non Emirates NBD ATMs in UAE

Cash Withdrawal	AED 2
Balance Enquiry	AED 1
Declined Transaction	AED 1

ATMs in GCC countries

Cash Withdrawal	AED 6
Balance Enquiry	AED 3

International ATMs

Foreign Currency Withdrawal	AED 20
Foreign Currency Transaction	1.99%***
Balance Enquiry	Free

***This fee is charged in addition to the standard processing fee charged by Visa International and is applicable to transactions performed in any currency other than UAE Dirham.

Top-up via any UAE Debit Card

Emirates NBD & Emirates Islamic Debit Cards	Free
Other UAE Bank Debit Cards	Free

Money Transfer

Local Inward Transfer	Free
Local Outward Transfer	AED 1
Inward Remittance	Free
Remittance to India, Pakistan, Sri Lanka, Philippines	Free remittances from December 1st 2023 to February 29th 2024 (Remittance fees will be AED 9.9 plus VAT post campaign period)
Remittance to UK	AED 10
All other International Transfers	AED 20*
Issuance of Manager Cheque	AED 30

* Correspondent bank charges may apply

Bank Letters

Liability Letter / No Liability Letter	AED 50
Bank Reference Letter	AED 50
Balance Certificate	AED 50

Transfer within Liv

Send	Free
Request	Free

Direct debit

Direct Debit Failure

AED 25

Bill Payment

All Utilities

Free

Other Liv Products

Livionaire Account

Livionaire Account set up	Free
Transfers in and out of Liv Account	Free
Minimum Balance	No minimum balance requirements

Liv Goal Account

Goal Account Set up	Free
Transfers in and out of Goal Account	Free
Goal Account Closure	Free

Liv USD Account

Maintenance fee	Zero
International Transfer	Free*
Local Transfer	Free*

*Correspondent bank charges may apply

Liv Gold Account

Category	Charges
Maintenance fee	Free
Transactions in and out Gold account	Free
Processing fee	Free

*There will be a minor currency conversion spread on trade amount.(Currently it is 0.18% but may vary in future)

Money Ahead Deposit

Money Ahead Deposit Set up	Free
Early Closure Fee	Zero
Interest rates applicable on early closure	click here

Liv Credit Card

Credit Card type	Platinum Card	World Card
Annual Fee	Free	700 AED
Monthly Interest Rate**	3.25%	3.09%
Overlimit Charges***	AED 292.95 per month	AED 292.95 per month
Annual Premium Rewards joining fee	200 AED	Free
Card replacement fee	25 AED	25 AED
Late payment fee	175 AED	175 AED
Foreign Currency transaction fee*	1.99%	1.99%
Cash Advance fee	3% or 99 AED (whichever is higher)	3% or 99 AED (whichever is higher)
Stamped statement fee	25 AED	25 AED
Regular Installment Plan: One time processing fee	49 AED	49 AED
0% installment plan: One time processing fee	49 AED per transaction	49 AED per transaction
Installment plan/ Balance conversion: Cancellation fee	1% of principal outstanding balance	1% of principal outstanding balance

* Excludes processing fee of approx. 1.15% charged by Mastercard

** Effective from 21 April 2024, the Monthly Interest Rate for Platinum Card is 3.49% and the Monthly Interest Rate for World Card is 3.25%.

*** Spends exceeding up to 3% of your credit card limit will not be charged. Anything above that will accrue a fee of AED 292.95 per month.

Liv Young

Category	Charges
Liv Young Account	Free
Debit Card	AED 25

Cheque Book

Category	Charges
First Cheque Book (10 leaves)	Free
Second Cheque Book onwards	AED 20 per Cheque Book (incl. of VAT)
Stop Payment	AED 42 (incl. of VAT)
Bounced Cheque	AED 100 (incl. of VAT)

Personal Loans

Processing fee for Loan	1% of the loan amount (min. AED 500 and max AED 2500)
Change in due date	Free
Early Settlement	1% of outstanding amount (max AED 10,000)
Payment Holiday	100 AED
Partial Payment	1% of payment made (max AED 10,000)
Advance EMI (Up to 3 EMIs)	Free
Rescheduling	105 AED
Clearance letter	25 AED
Liability/ no liability letter	50 AED

All charges, commissions and fees are exclusive of Value Added Tax or any other similar sales tax (VAT). If VAT is applicable, it will be chargeable and payable in addition to, and at the same time as, the above mentioned charges.

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