Emirates NBD
LIV

Minimum Balance AED 3000

Top Reasons To Choose

Fully digital and instant account opening
Transparent and simple
Upto 1.5% interest p.a
Free Remittances: India, Pakistan, Phillipines and the UK
First cheque book free of charge for salary accounts

Things To Be Aware Of

Interest is capped at AED2,000.00 per month
A Monthly Average Balance required to earn interest

Liv is the UAE’s first digital-only lifestyle bank, designed to make banking smarter, simpler, and more personalized for the modern consumer. Powered by Emirates NBD, Liv offers a seamless, paperless banking experience through its intuitive mobile app, allowing users to open accounts, manage finances, and access a wide range of financial services within minutes. Whether it's saving, spending, or managing your finances, Liv provides a full suite of banking solutions tailored to your lifestyle, with innovative features like instant bill splitting, goal-based savings, and competitive interest rates. Liv is not just a bank; it's a digital companion helping you achieve your financial goals effortlessly, anytime, anywhere.

Whether you’re using the Liv. current account or the Goal Account feature, you can enjoy the same 1.5% p.a. interest. Liv. acts as a digital money box, helping you reach your financial goals effortlessly. Create unlimited Goal Accounts and set auto-rules to save for anything—from travel and gadgets to gifts or a rainy day. Choose your saving method, whether it's a fixed monthly amount, a portion of each debit card transaction, or a target date and amount—Liv. handles the rest.

Open your Liv. account in minutes with no paper work.

You only need your Emirates ID, a valid UAE phone number, and a smartphone!

Reward/Deposit Features

Eligibility

UAE Resident
Valid Emirates ID, Passport and Visa
Valid Phone number

Liv. account is free of any monthly maintenance charges if:

student (under 23 years age)
keep a monthly average balance of AED 3000
transfer monthly salary of AED 4,000+ to Liv.
spend at least AED 1,000 with your Liv. card/ month
have a Liv. Credit card or a Liv. Personal loan

AED 25 per month if unable to do any of the above

Documents Required

Valid Emirates ID

Detailed Features

Liv Primary Account

Digital Onboarding: Open your Liv account quickly through the Liv app with no paperwork required.
Free Cheque Book: Receive your first cheque book free of charge for salary accounts.
Free Liv Debit Card: Enjoy a Liv card for AED transactions and easy withdrawals.
Bill Splitting: Conveniently split bills with friends using the app's built-in features.
Next-Gen Payment Solutions: Experience seamless digital payments, including easy money transfers and remittances through Liv bank.
No Minimum Balance Fees: Maintain a minimum average monthly balance of AED 3,000 in your NBD Liv account to avoid a monthly fee of AED 25.
Liv Account Management: Manage your Liv emirates nbd account entirely through the Liv app, offering complete control over your finances.

Liv Goal Account

Purpose-Driven Savings: An add-on Emirates Liv account designed to help you save for specific goals with simple, recurring deposit rules.
Flexible Savings Options: Open multiple Emirates NBD Liv accounts to save for different purposes, with no minimum balance requirement.
Competitive Interest Rates: Earn up to 4% interest on balances between AED 30,000 and AED 500,000 (campaign rates valid until June 2024).
No Fees: Enjoy fee-free savings with no charges for low balances in your Liv account.
Easy Account Management: Monitor and manage your goals directly through the Liv app.

Liv USD Account

USD Savings Account: Save in USD currency, ideal for those needing to hold foreign currency with Liv Emirates NBD.
Interest on USD Balances: Earn interest ranging from 0.75% on balances between USD 5,000 and 25,000, down to 0.3% on balances above USD 1,000,000 in your Emirates NBD Liv account.
Restrictions on Withdrawals: ATM withdrawals and outbound transfers in USD are not permitted, ensuring the account is used primarily for savings.
No Fees: Benefit from a fee-free account with no minimum balance requirement in your NBD Liv account.
Digital Account Management: Manage your USD savings easily through the Liv app, with full transparency and control over your funds.

How to Open an Account on Liv?

Download the Liv app from your device’s app store and create your Liv account.
Log in, scan your Emirates ID through the app, top-up your Liv account, and wait for the local delivery service Fetchr to contact you within a day to drop off your new Liv debit card.
The app's interface is user-friendly, allowing you to set up utility, mobile, and Salik accounts for one-tap payments. You can also transfer and receive money to and from your friends’ Liv accounts.
To transfer your salary to your Liv account, go to Settings > Transfer my salary to Liv. This will generate an automatic email for your HR team with the necessary details.
Once your salary is transferred to Liv bank, it will be automatically credited upon payment from your employer. If there are delays, please contact your employer.

All about Livionaire Account

To get started, head to the Apply Now section, choose the Livionaire Account, and follow the simple steps to sign up. Secure your funds with Liv Bank, and transfer money into your new account. Every AED 1,000 you deposit earns you one entry into the draw.

Already have a Liv Account? Just open a Livionaire Account and deposit AED 1,000 to join. If you already have a Livionaire Account, your existing balance automatically carries over, and you’re already in the game! Divide your Livionaire balance by 1,000 to see how many entries you have.

The more you deposit, the better your chances—keep adding and maintaining funds. Success is all about patience and consistency!

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