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 with your Liv. debit or credit card/month
  • Or become a Prime subscriber.
  • 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 20* 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 1.84%***
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 AED 9.9
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

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 Free for the year 2022
International Transfer Free*
Local Transfer Free*

*Correspondent bank charges may apply

Liv. Credit Card

Credit Card type Platinum Card World Card
Annual Fee Free 700 AED
Monthly Interest Rate 3.25% 3.09%
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 Free Free
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

Liv. Prime

Category Monthly Subscription Annual Subscription
Charges AED 24.90 AED 249.90
Renewal Automatic Automatic

Liv. Young

Category Charges
Individual plan AED 5 per month (Free for Liv. Prime members)
Family Plan AED 10 per month (Free for Liv. Prime members)
Debit Card Delivery AED 25

Liv. Cash

Interest Rate 0.99% per month
The rate of interest is fixed throughout the tenor. Interest is charged only for the number of days when the Overdraft facility is availed.
Processing Fee /Renewal Fee
Zero

Personal Loans

Processing fee for Loan 1% of the loan amount (min. AED 500 and max AED 2500)
Processing fee for loan top up 1% of the incremental loan amount (min. AED 500 and max AED 2,500)
Enhanced Credit Life Insurance (Double Cover) 1.24%-1.99%
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 250 AED
Clearance letter 25 AED
Liability/ no liability letter 50 AED
Loan Cancellation 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.