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Interest Rates on our
Savings Accounts

Bonus Multiplier Account – Interest breakdown

  • Interest is capped at AED 2000 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%
Primary Account Balance Minimum balance > 30K AED 0.5%
Credit Card spends Spends > 2.5K AED 0.75%
Debit card spends Spends > 2.5K AED 0.25%
Remittances, Transfers, Bill Payments Minimum 3 payments/transfers 0.25%
Personal Loan Taking a personal loan 0.25%
Total 3.00%

Money Ahead Deposits

  • Customers will earn an interest as per rack rates for their fixed deposits
  • During the launch campaign of July ‘23 – September ’23, customers are entitled to get 4% p.a. on Fresh funds*
  • 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.
Money Ahead Deposit rack rates (AED)
7-29 days 0.05% p.a.
30-59 days 1.8% p.a.
60-89 days 1.9% p.a.
90-120 days 2.3% p.a.

*Fresh Funds mean new funds which are not transferred from existing account(s), deposit(s) or loan(s) or finance(s) held with ENBD Group as of 30th June 2023.
Deposits will be considered Fresh Funds if they are over and above your Liv/ENBD/EI balance as of 30th June 2023.

With Goal Accounts under Liv, the following rates will apply

Goal Account Balance (AED) (Ranges) Interest rates (Effective 31st March, 2023)
0 - 5K 0%
5 - 15K 0.5%
15- 30K 1%
30K - 50K 2%
50K - 500K 2%
500K - 2M 1.25%
2M+ 0.5%

For USD Accounts under Liv, the following interest rates will apply

Monthly Average Balance USD Account
Below USD 5,000 0%
USD 5,000 to 25,000 0.75%
USD 25,000 to 1,000,000 0.4%
Above USD 1,000,000 0.3%


  • 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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