Fees & charges

Account Maintenance & Closure fee

Students aged up to 23 years Free

You need to transfer monthly salary of AED 4,000 or more to Liv. If you can’t then do either of the following

  • Spend at least AED 1,000 with your Liv. card/month

  • Or become a Prime subscriber.

  • Or have a Liv. credit card or Liv. loan.

  • Or keep your monthly average balance of AED 2,500. (that includes all balances in primary account and goal accounts.)

    *Example - If your primary account has AED 100 and your goal account has AED 2400 for the whole month, you will not be charged.
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 1% of principal outstanding or AED 250, 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 – 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**

**Inclusive of VAT. All charges, commission 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.

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

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

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