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Interest Rates on our
Savings Accounts

Bonus Multiplier Account

  • Interest is capped at AED2,000.00 per month
  • Customers need to maintain a Monthly Average Balance of AED 30,000 or transfer a salary of AED 10,000 in the month to be eligible for the interest payout in the month.
Category Eligibility Interest rate % p.a
Transfer your Salary to Liv Minimum salary > 10K AED 1.00%
Primary Account Balance Minimum balance > 30K AED 0.50%
Credit Card spends Spends > 2.5K AED 0.75%
Debit card spends Minimum salary > 10K AED 0.25%
Remittances, Transfers, Bill Payments Minimum 3 payments/transfers 0.25%
Personal Loan Having a personal loan 0.25%
Total 3.00%

Money Ahead Deposits

  • All Money Ahead Deposits created will be entitled to an upfront 4% p.a interest (Interest rate applicable till December 2023)
  • Post December 2023, customers will earn an interest as per rack rates for their fixed deposits
  • Customers can withdraw the FD before the maturity (pre-mature withdrawals). In case of premature withdrawals, interest will be as per rack rates prevailing on FD set up date, for elapsed tenor, less 1% p.a. penal interest; Maximum penalty would be capped at the interest rate at the start of the FD.
Tenure Interest rate % p.a
7-29 days 0.05% p.a.
30-59 days 1.80% p.a.
60-89 days 1.90% p.a.
90-120 days 2.30% p.a.

Goal Accounts

Goal Account Balance (AED) (Ranges) Interest rate % p.a
0 - 5K 0% p.a.
5 - 15K 0.50% p.a.
15- 30K 1.00% p.a.
30 - 50K 2.00% p.a.
50 - 500K 2.00% p.a.
500K - 2M 1.25% p.a.
2M+ 0.5% p.a.

Liv Young Accounts

Liv Young Account Balance (AED) (Ranges) Interest rates % p.a.
0 - 500K 1.00% p.a.
500K + 0.25% p.a.

For USD Accounts

Monthly Average Balance Interest rates % p.a.
Below USD 5,000 0% p.a.
USD 5,000 to 25,000 0.75% p.a.
USD 25,000 to 1,000,000 0.40% p.a.
Above USD 1,000,000 0.30% p.a.


  • Rate of interest on Liv Account is subject to change from time to time at the discretion of Liv and/or in accordance with directives from UAE Central Bank.
  • Interest will be calculated on the daily available balance or as directed by UAE Central Bank.
  • Interest will be credited to customer account monthly
  • Liv reserves all rights to amend the interest rate structure without prior notice
  • All the above mentioned interest rates are at annual basis. (Per annum)

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