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 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 Goal Account

Goal Account Set up Free
Transfers in and out of Goal Account Free
Goal Account Closure Free

Liv USD Account

Maintenance fee Zero
International Transfer Free*
Local Transfer Free*

*Correspondent bank charges may apply

Liv Credit Card

Credit Card type Platinum Card World Card
Annual Fee Free AED 700
Monthly Interest Rate 3.49% 3.25%
Overlimit Charges*** AED 292.95 per month AED 292.95 per month
Annual Premium Rewards joining fee AED 200 Free
Card replacement fee AED 25 AED 25
Late payment fee AED 175 AED 175
Foreign Currency transaction fee* 1.99% 1.99%
Cash Advance fee 3% or AED 99 (whichever is higher) 3% or AED 99 (whichever is higher)
Stamped statement fee AED 25 AED 25
Regular Installment Plan: One time processing fee AED 49 AED 49
0% installment plan: One time processing fee**** AED 49 per transaction AED 49 per transaction
Balance Transfer: One time processing fee**** AED 49 per transaction AED 49 per transaction
Loan on Card: One time processing fee**** AED 49 per transaction AED 49 per transaction
Balance Conversion: One time processing fee**** AED 49 per transaction AED 49 per transaction
Installment Plan/Balance Conversion/Loan on Card/Balance Transfer: Cancellation fee 1% of principal outstanding balance 1% of principal outstanding balance

* Excludes processing fee of approx. 1.15% charged by Mastercard

*** Spends exceeding up to 3% of your credit card limit will not be charged. Anything above that will accrue a fee of AED 292.95 per month.

****Processing fee is excluding interest and other charges.

Liv Young

Category Charges
Liv Young Account Free
Debit Card AED 25

Cheque Book

Category Charges
First Cheque Book (10 leaves) Free
Second Cheque Book onwards AED 20 per Cheque Book (incl. of VAT)
Stop Payment AED 42 (incl. of VAT)
Bounced Cheque AED 100 (incl. of VAT)

Personal Loans

Processing fee for Loan 1% of the loan amount (min. AED 500 and max AED 2500)
Change in due date Free
Early Settlement 1% of outstanding amount (max AED 10,000)
Payment Holiday AED 100
Partial Payment 1% of payment made (max AED 10,000)
Advance EMI (Up to 3 EMIs) Free
Rescheduling* AED 105
Clearance letter AED 25
Liability/ no liability letter AED 50

*Customers who have been impacted by heavy rains in UAE in April 2024 can defer their personal loans for up to six months without incurring our rescheduling fee of AED 105.

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.