Liv. Charges

Liv. Account

Students aged up to 23 years Free
You need to keep a monthly average balance of AED 2,500. if you can't then do either of the following
  • transfer monthly salary of AED 4,000 or more to Liv.
  • Or spend at least AED 1,000 with your Liv. card/ month
If you're unable to do any of the above* AED 15 p/m
Early Account Closure Fee (within first 12 months) AED 50

Liv. Credit Cards

Fees 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 25 AED
Late payment 175 AED
Foreign currency transaction fee* 1.99%
Cash advance 3% OR 99 AED (whichever is higher)
Cheque and direct debit failure 100 AED
Stamped statement 25 AED
Regular Installment plan: One time processing fee FREE
0% Installment plan: One time processing fee 49 AED per transaction
Installment plan/Balance Conversion: Cancellation fee 3% of princial outstanding or 250 AED, whichever is higher

Annual fee billed will not be reversed if the card is activated, used or cancelled
* Excludes processing fee of approx. 1.15% charged by Mastercard
All fees are exclusive of VAT. If VAT is applicable, it will be chargeable and payable in addition to, and at the same time as, the above mentioned charges


Downloading of E-statements Free
Stamped Statement – Pickup AED 15
Stamped Statement – Delivery AED 25

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

ATMs in GCC countries

Cash Withdrawal AED 5
Balance Enquiry AED 2.50

Bill Payment

All Utilities Free

Cash Deposit Machine

Cash Deposit to Liv. Account Free
Cash Deposit to Emirates NBD & Emirates Islamic Accounts Free

Direct debit

Direct Debit Failure AED 100

International ATMs

Foreign Currency Withdrawal AED 20
Foreign Currency Transaction 1.84%***
Balance Enquiry Free

Money Transfer

Local Inward Transfer Free
Local Outward Transfer AED 1
Inward Remittance Free
Remittance to India, Pakistan, Sri Lanka, Philippines AED 4
Remittance to UK AED 10
Issuance of Manager Cheque AED 30

Non Emirates NBD ATMs in UAE

Cash Withdrawal AED 0
Balance Enquiry AED 0.70
Declined Transaction AED 0.70

Social Pay

Send Free
Request Free

Top-up via any UAE Debit Card

Emirates NBD & Emirates Islamic Debit Cards Free
Other UAE Bank Debit Cards 2.60% of Top-up amount

Download Liv. App