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In accordance with the Promotion Terms and Conditions stated below, Liv Powered by Emirates NBD Bank (P.J.S.C) (the “Bank” or “Liv Powered by Emirates NBD”) will be awarding eligible customers with FX fee reversals and cashback rewards (hereinafter referred to as the “Promotion”) as part of the Liv FX Reactivate Campaign.
Promotion Period:
The Promotion Period will run from 1 May 2026 - 31 July 2026 (both dates inclusive).
Eligibility Criteria:
• Only customers who have been notified about the Promotion through email, SMS and/or in-app notifications are eligible to participate.
• Only customers who have been classified as FX inactive by the Bank (i.e., no FX remittance transactions in the last 12 months but at least 3 logins in the last 3 months) will be considered for this Promotion.
• Customers with accounts or services that are cancelled, closed, frozen, rejected, suspended or terminated by the Bank shall not be eligible.
• Permanent and contract staff of the Bank including its affiliates, subsidiaries and Tanfeeth are not eligible to participate in this Promotion.
Eligible Transactions:
• Only cross-border FX remittance transfers via the Liv mobile banking app from an active Liv AED account balance during the Promotion Period will qualify.
• USD/AED and AED/USD transactions will be excluded from eligible transactions.
• Reversed, failed or cancelled transactions will not be eligible.
Offer Mechanism:
• Fee Reversal for Inactive Customers:
• All eligible FX inactive customers who perform qualifying cross-border FX remittance transfers during the Promotion Period will be charged the applicable remittance fee at the time of transaction.
• The total remittance fees paid on such eligible transactions will be reversed and credited back to the customer’s Liv AED account within the stipulated fulfilment timeline.
• 1% Cashback for MAX Customers:
• Customers who are already Liv MAX or who upgrade to Liv MAX during the Promotion Period and then perform qualifying cross-border FX remittance transfers will be eligible for 1% cashback capped at AED 500 per customer, remitting AED 10,000 and above during campaign period.
• Cashback will be calculated only on the FX transaction amount (principal) and will exclude any applicable fees or charges.
Reward Fulfilment Timelines:
• Any eligible fee reversals and cashback amounts will be credited to the customer’s Liv AED account within 60 calendar days from the end of the Promotion Period.
• The Bank will notify qualifying customers via in-app message, SMS or email once the credits have been processed.
General Conditions:
• Only successful cross-border FX transfers will be eligible for this Promotion. Failed, reversed or cancelled FX transactions are not eligible.
• Rewards will be credited to the customer’s active AED account (Current or Savings) where available.
• If a reward has been wrongly issued against an unsuccessful FX transaction, the Bank reserves the right to cancel and recall the reward.
• Fee reversals and cashback are non-transferable and cannot be exchanged or converted into any other form of benefit.
• This Promotion is not valid in conjunction with any other FX offer, campaign or promotion run by the Bank.
Miscellaneous:
• Once the cashback or fee reversal is credited to the customer’s eligible account in accordance with these Terms, the customer will have no further claim to any additional amounts or further prizes.
• Emirates NBD Bank (P.J.S.C.) is regulated by the Central Bank of the UAE.
• Prizes may be forfeited, or customers holding eligible accounts may be disqualified from participation if the Bank has sufficient grounds to believe that such customers have violated these Terms, any laws or applicable regulations.
• These Promotion Terms and Conditions are subject to change, addition or amendment at the sole discretion of the Bank during the Promotion Period, with due notice provided in accordance with applicable law.
• These Terms are in addition to the Bank’s General Terms and Conditions of Accounts and Banking Services available at this link.
• All decisions of the Bank regarding this Promotion are at its sole and absolute discretion and shall be final and conclusive.
• These Promotion Terms and Conditions and any dispute arising from them shall be governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai and subject to the exclusive jurisdiction of the Courts of Dubai (excluding courts of the Dubai International Financial Centre).
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