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Interest Rates on our
Savings Accounts
Bonus Multiplier Account
- Interest is capped at AED2,000.00 per month
- Customers need to maintain a Monthly Average Balance of AED 30,000 or transfer a salary of AED 10,000 in the month to be eligible for the interest payout in the month.
| Category | Eligibility | Interest rate % p.a |
| Transfer your Salary to Liv | Minimum salary > 10K AED | 1.00% |
| Primary Account Balance | Minimum balance > 30K AED | 0.50% |
| Credit Card spends | Spends > 2.5K AED | 0.75% |
| Debit card spends | Minimum salary > 10K AED | 0.25% |
| Remittances, Transfers, Bill Payments | Minimum 3 payments/transfers | 0.25% |
| Personal Loan | Having a personal loan | 0.25% |
| Total | 3.00% |
Money Ahead Deposits
- All Money Ahead Deposits created will be entitled to an upfront 4% p.a interest
- Customers can withdraw the FD before the maturity (pre-mature withdrawals). In case of premature withdrawals, interest will be as per rack rates prevailing on FD set up date, for elapsed tenor, less 1% p.a. penal interest; Maximum penalty would be capped at the interest rate at the start of the FD.
| Tenure | Interest rate % p.a |
| 7-29 days | 0.05% p.a. |
| 30-59 days | 1.80% p.a. |
| 60-89 days | 1.90% p.a. |
| 90-120 days | 2.30% p.a. |
Goal Accounts
| Goal Account Balance (AED) (Ranges) | Interest rate % p.a |
| 0 - 5K | 0% p.a. |
| 5 - 15K | 0.50% p.a. |
| 15- 30K | 1.00% p.a. |
| 30 - 50K | 4.00% p.a. (Effective 26th Jan, 2024) |
| 50 - 500K | 4.00% p.a. (Effective 26th Jan, 2024) |
| 500K - 2M | 1.25% p.a. |
| 2M+ | 0.5% p.a. |
Liv Young Accounts
| Liv Young Account Balance (AED) (Ranges) | Interest rates % p.a. |
| 0 - 500K | 1.00% p.a. |
| 500K + | 0.25% p.a. |
For USD Accounts
| Monthly Average Balance | Interest rates % p.a. |
| Below USD 5,000 | 0% p.a. |
| USD 5,000 to 25,000 | 0.75% p.a. |
| USD 25,000 to 1,000,000 | 0.40% p.a. |
| Above USD 1,000,000 | 0.30% p.a. |
Note:
- Rate of interest on Liv Account is subject to change from time to time at the discretion of Liv and/or in accordance with directives from UAE Central Bank.
- Interest will be calculated on the daily available balance or as directed by UAE Central Bank.
- Interest will be credited to customer account monthly
- Liv reserves all rights to amend the interest rate structure without prior notice
- All the above mentioned interest rates are at annual basis. (Per annum)
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