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Fees & 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
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 25* 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 | 1.99%*** |
| 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 | Free remittances from December 1st 2023 to February 29th 2024 (Remittance fees will be AED 9.9 plus VAT post campaign period) |
| 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 Blog Articles
Money Mistakes - 3 things I wish I knew when I was 18
The road to financial independence could be a struggle for many young adults… and I was one of them! I learned many things the hard way, but I am still glad that things happened the way they did, because it basically made me who I am today; more financially conscious and a ‘smart-spender’ – I spend my money on the things I enjoy the most but ALWAYS keeping in mind to continue with my healthy habits.
What Makes Liv Digital Bank Credit Cards The Best In UAE
Liv Credit Cards pack a punch with innovative features, user-centric design, and a host of value-added offerings, making them quite unparalled in the region.
How to become debt free
Is your debt mounting up and causing you sleepless nights? Take heart, you’re not alone. A good number of us have been through this at some point of our lives, but the good news is you can work your way out of it with focus and determination. And you can start right now.
How To Be Efficient When Working From Home
By now most of us are used to working from home, this new “normal” to stay away from the office.
