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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

  • Spend at least AED 2,500 per month with your Liv debit card
  • Have an active Liv Credit Card
  • 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.

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


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 AED 9.9 plus VAT
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