All the different ways you can bank with us and get help if you need it

If you have not received your salary, you need to first contact your company's payroll department for any delays.
Post confirmation, if you wish to raise a request, you can navigate to the Service tab > Apply for new service > Accounts > Salary not received.

Cheque deposits at Emirates NBD Branches or at the cheque deposit machines are processed on the same working day, if deposited before 10 AM, else the next working day.
Cheque deposits at Emirates Islamic cheque deposit machines take up to 3 to 4 working days.
If your deposit has not been processed within the specified time frame, raise a request by going to the Service tab > Apply for New service > Accounts > Cheque not cleared.

If you are not receiving SMS notifications from Liv, it could be due to one of the following reasons:

• Your carrier is restricting the messages. Send an SMS 'UALL' to 7726 to remove these restrictions.

Your registered mobile number with us is incorrect. You can update it by following the steps mentioned below:

• Navigate to 'Profile and Settings' on the dashboard, then click on 'Personal Information' and tap on 'Mobile' to change the number.

An Account Reference Letter is an official document that shows your relationship with the bank and contains information such as your name, P.O. Box number, account number, IBAN and the duration of your association with the bank. The processing time for this request is 3 working days.

To apply for this letter, reach out to our support team via call or WhatsApp on 600521212.

An Account Reference Letter is an official document that shows your relationship with the bank and contains information such as your name, P.O. Box number, account number, IBAN and the duration of your association with the bank. The processing time for this request is 3 working days.

To apply for this letter, reach out to our support team via call or WhatsApp on 600521212.

A No liability letter states that the customer does not have any legal responsibilities/liabilities with the bank. This are issued on the letter head with the bank stamp.

To apply for a Liability/Non Liability letter, navigate to the 'Services' tab, click on 'Apply for new services' and select 'Letters and Certificates'.

Navigate to the home page on the Liv App, select the account you want the IBAN, Swift Code or routing number for and click on ‘Details’.

You can currently only have 1 primary account with Liv. This feature is not available at the moment, but stay tuned for more information soon.

Navigate to the home page on the Liv App, select the account you want to view details of and click on ‘Details’. You should see your IBAN, SWIFT code and routing number and be able to share them.

Navigate to the home page on the Liv App and select the account you want to view the statement for. Your transactions will be visible under 'Recent transactions'.

We're sorry to hear that you want to close to your Liv account. To close your account, reach out to our support team via call or WhatsApp on 600521212.

Cheque deposits at Emirates NBD Branches or at the cheque deposit machines are processed on the same working day, if deposited before 10 AM, else the next working day.

Cheque deposits at Emirates Islamic cheque deposit machines take up to 3 to 4 working days.

If your deposit has not been processed within the specified time frame, raise a request by going to the Service tab > Apply for New service > Accounts > Cheque not cleared.

If you have not received your salary, you need to first contact your company's payroll department for any delays.

Post confirmation, if you wish to raise a request, you can navigate to the Service tab > Apply for new service > Accounts > Salary not received.

Navigate you 'Accounts' on the home page, click on 'Services' and select 'Authenticated account statement'. You can select the period for which you want the statement.

Cheque books are currently only offered to our Bonus Multiplier customers.

If you are already a Bonus Multiplier and want to apply for a cheque book, all you need to do is head to the 'Services' tab > click on 'Apply for New Service' > go to 'Accounts' > select 'Cheque book request' > choose your Bonus multiplier account to continue.

Our delivery partner will get in touch with you and arrange a delivery after you have successfully applied for cheque book in the app

Your first cheque book will be free of cost! After that, each new cheque book will cost you AED 20+VAT. This will be debited automatically from your Liv account, so ensure you have sufficient funds in your primary account. Each cheque book has 10 leaves by default.

The Money Ahead Deposit is offered in AED only.

Fixed Deposits may be opened by any existing Liv customer through the LivX app.

Money Ahead Deposits are Fixed deposits (also called term or time deposits). These are financial instruments offered by banks offering a higher rate of interest than regular savings accounts, until the specified maturity date.

They are considered a safe investment or a principal amount is always guaranteed.

The Liv Money Ahead Deposit offers upfront interest at time of Fixed Deposit creation

The Money Ahead deposit with Liv is a fixed tenure product with a lock in period of 4 months.

For the Liv Money Ahead Deposit, interest is payable upfront. Interest credit will be as per the rates set out in the Fixed Deposits Key Facts Statement. Interest will be credited to the customer upfront within a pre-decided period. No interest to the customer will be credited post maturity of the Fixed Deposit.

The Money Ahead deposit with Liv is a fixed tenure product and cannot be amended. In case of early closure, please reach out to our support team via call or WhatsApp on 600521212.

At the end of the deposit tenure, your Principal funds will automatically be credited to the Liv Primary Account and the deposit account will be closed.

In the event of a pre-mature closure of the Fixed Deposit, the Bank is entitled to impose a penalty on the principal amount as set out on the Fixed Deposits Key Facts Statement. The Bank is allowed to debit a Customer’s Primary Account with an amount equal to net interest change and the penalty amount (as set out in the Fixed Deposits Key Facts Statement), in relation to premature withdrawal of the Fixed Deposit.

Currently, renewal is not available for the Money Ahead Deposit. Once the lock-in period of 4 months is complete, the principal amount will be credited back to customer's Primary Account with Liv

You will receive a Fixed Deposit advice at time of Fixed Deposit creation

You can easily close your Goal Account at any time by tapping on your Goal Account through the dashboard. Once you click on 'Edit Goal', you will have the option to delete the Goal Account. The money from your Goal Account will get transferred to your Primary Account with Liv

"To open a goal account, all you need to do is scroll on your Liv Dashboard and select Goal account under the 'Apply Now section'.

You can create as many Goal accounts as you like, adjust your target amount, and you can move the money from your Goal Account to the Liv Account at any time. "

Our Goal Accounts are Savings Accounts designed to help you reach your next milestone!

Earn up to 4% interest p.a. and set up your Goal Account using any combination of these rules:

Set and Forget: Set up automatic rules where you save a fixed amount every day, week, or month

Spend and Save: Save a set amount every time you swipe your Liv card

One-shot Saving: Move money in from your main Liv account, as a one-off saving

Pay Yourself First: Save a fixed amount whenever you receive money in your main Liv account

Spend less: Set a budget amount for a specific period, and save whatever you don’t spend

Target Day Saving: Set a target amount to save by a specific date, and we’ll tell you how much you need to save each day to reach your goal.

See your savings history & activity for each Goal Account by scrolling down on each Goal.

You can create as many Goal accounts as you like, adjust your target amount, and you can move the money from your Goal Account to the Liv Account at any time.

Visit your Home page for “Goal Account” to create one.

Liv Lite is an optional mobile based digital proposition that allows the Primary Account holder to open a Savings Account and Debit Card for a family member / supplementary user. The supplementary user can manage this account through the Liv Lite app.

If the primary user has already moved and logged into LivX then you will no longer be able to login to Liv Young. You will need to download our new corresponding App: Liv Lite and login to be able to explore and enjoy the features

You can log in to your Liv app and create a Liv Lite account that can be used by your loved ones. You will need the supplementary user's Emirates ID and Passport to complete the application.

You will be able to create user credentials during the Liv Lite journey and give those to your supplementary user. Your designated supplementary user can get their very own Debit Card and manage the Liv Lite Account under your supervision.

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Users can make controlled POS and Online purchases using their debit card, review their expenses on the Liv Lite App and make selected Bill Payments.

Additional control features that you can use include:

• Card lock/unlock
• Add and Withdraw money
• SmartPass authentication
• OTP controls
• View transaction details and download Account statements

You can completely manage and control the Liv Lite Account via the 'YOU HAVE' on your Liv App

Between 8 years to 18 years

You can reach out to us on call or whatsApp on 600521212 and our service agent will help you close the Liv Lite Account. Once the Liv Lite Account is closed, your designated supplementary user will not be able to Log into the Liv Lite App.

Investors can buy digital gold (XAU) units through the Liv banking app. They can choose the amount of XAU they want to buy or sell, and execute the order directly via Liv.

Liv Digital Bank follows all security protocols and regulatory requirements for buying and selling Digital Gold (XAU).

Digital Gold is the virtual equivalent of holding physical gold. It offers buyers the option to invest and/or trade gold in fractions. As an investment, Digital Gold offers low-risk and high liquidity, making it a great addition to your portfolio.

• Users needs an active Liv account and needs to pass the required KYC checks before opening their gold account.

Advantages:

Ease of buying and selling gold units online, ability to invest in Gold without having the hassle of storing physical gold.

Disadvantages:

Lack of physical ownership.

Minimum amount is 0.001 XAU. Maximum amount will be the maximum possible amount users can buy using their AED balance.

Physical gold price trades higher than XAU as it includes other costs (storage, insurance etc.).

Liv does not charge transaction fees when buying and selling XAU. There will be a small conversion fee charged for each transaction.

No, this option is currently not available.

Go to 'Gold Account' on your Liv app, you will find all your transactions under Transaction History.

There are multiple factors that may influence the price of XAU like the demand and supply and geopolitical factors and currency rate fluctuations among others.

Cash deposits to accounts or credit cards through Emirates NBD and Emirates Islamic cash deposit machines may take up to 24 hours to be credited.

If your deposit hasn’t been received within the specified time frame, navigate to the Service tab > Apply for new service > Accounts > Cash deposit machine error.

Let us help you.

If your account or card was charged but you have not received the correct amount of cash, please provide us the following details:

• ATM location and machine ID
• Transaction date and time
• Transaction reference number
• Transaction amount and the amount that was dispensed from the ATM.

Claims for cash withdrawals using debit cards in the UAE on Emirates NBD ATMs will take up to 15 days, and other bank ATMs will take up to 30 days.

Claims for cash withdrawals using debit cards internationally will take 60 to 90 days.

Claims for cash withdrawals using credit cards locally and internationally will take 60 to 90 days.

The time it takes for your cheque to be processed depends on the channel used to deposit the cheque:

• Deposits at Emirates NBD Branches or cheque deposit machines are processed the same working day if deposited before 10 AM, else the next working day.
• Deposits at Emirates Islamic cheque deposit machines take up to 3 to 4 working days.

If your deposit has not been processed within the specified time frame, reach out to our support team via call or WhatsApp on 600521212.

Let us help you.

If your account or card was charged but you have not received the correct amount of cash, please note down the following details:

ATM location and machine ID
• Transaction date and time
• Transaction reference number
• Transaction amount and the amount that was dispensed from the ATM

Claims for cash withdrawals using debit cards in the UAE at Emirates NBD ATMs will take up to 15 days and for other bank ATMs, it will take up to 30 days. Claims for cash withdrawals using debit cards internationally will take 60 to 90 days. Claims for cash withdrawals using credit cards, both locally and internationally, will also take 60 to 90 days.

To initiate an ATM support request, reach out to our support team via call or WhatsApp on 600521212.

We’re sorry to hear that. While it’s rare, there could be times where the ATM runs into problems dispensing the right amount of cash due to technical issues or if the machine itself has run out of cash.

Usually your transaction gets declined and you would not be charged for the withdrawal.

However, if your account or card has been charged and you’ve not received the correct amount of cash, you can raise an ATM claim request and provide us with the following details:

Claims for cash withdrawals using debit cards in the UAE on Emirates NBD ATMs will take up to 15 days and other bank ATMs will take up to 30 days.

Claims for cash withdrawals using debit cards internationally will take 60 to 90 days.

Claims for cash withdrawals using credit cards locally and internationally will take 60 to 90 days.

Please reach out to our support team via call or WhatsApp on 600521212.

Cash deposits to accounts or credit cards through Emirates NBD and Emirates Islamic cash deposit machines take up to 24 hours to be processed.

To raise a request, navigate to the Service tab > Apply for new service > Credit card > Credit card payment issue.

Yes, you can control the locations where your card can be used. Under 'Cards' go to 'Settings' and select 'Card location control' and choose your preferred mode of location identification.

Alternatively, you can allow the app to make payments only in the country you are currently located in.

To activate your new card, go to your Liv App home page, tap on 'Cards' select the card you would like to activate and follow the instructions on the screen. Your card will be activated instantly.

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You can also head down to the 'Services' tab and select Debit card or credit card under 'Apply for a new service'. You can select the card you want to activate and follow the steps accordingly.

Once your application is accepted, your new debit or credit card will be delivered to you within 3 working days. You need to present your Emirates ID at the time of collecting your card. Our delivery partner will send you an SMS with courier details to track your delivery.

If you haven't received your card within the given time frame, navigate to the Service tab > Apply for new service > Debit cards > New card not received.

Yes, you can lock your card temporarily or permanently with the simple tap of a button and request a replacement. If you have lost your card, you can temporarily lock it and unlock it once you find it. If you can’t find your card or feel it’s been compromised, then you should lock it permanently and request a replacement.

Select the 'Account'/Card' on the Liv home page, click the 'Lock' or 'Unlock' button under the card and follow the instructions on the screen.

Under ’Cards’ on the menu, select the card that you would like to set a new PIN for, then under the card image, click on ‘Requests & Settings’ and select ‘Set a new PIN’.

Under ‘Cards’ on the home page, select the card that you want to manage limits for, then under the card image and click on ‘Details’. You can then set your Payments and transfers daily limit.

Select the 'Card' you want to view your details from on the homepage and click on 'Details' .

You can enable or disable your card for in-store payments, ATM withdrawals and online purchases by selecting ‘Permissions’ under ‘Card Control’.

You can request a replacement card if your card is damaged or if your card has been lost or compromised. Just navigate to the Service tab > Select Debit Card > Select Block and Replace. You can select whether to block your card immediately or continue using the digital card till you receive and activate your new card.

‘Flip your card’ allows you to view your card details when you don’t have the physical card with you. You’ll need your Smart Pass PIN as a security measure. To flip your card at any time, just select the card from the menu at the bottom of the screen, tap the card, then enter your Smart Pass PIN.

If you fit all the below requirements, you’re eligible to apply:

• Your base salary is at least AED 5000 & paid through bank transfer.
• Your AECB score is at least 541.
• You do not exceed 50% of your base salary when paying your current monthly installments.
  (For example, if you earn AED 10,000 per month and your auto loan and personal loan payments already add up to AED 5,000, you will not be eligible for further credit)

If you’re eligible, log in to the Liv X app and click on Credit Card’ under ‘Apply now’. Once you’ve applied, stay tuned for app updates on your application as you may be asked for more details or documents.

Liv has two types of credit cards tailor-made to suit your needs – Liv Cashback Card (previously Liv Platinum Card) and Liv Cashback+ Card (previously Liv World Card). You can visit our credit card homepage here to view all the benefits and offers on these cards. For specific partner offers, you can also visit the Deals page.

To give you the best cashback rates in the market we have revised and renewed our rewards program on 29 August 2024 . Our new rewards program will help you earn cashback on ALL your purchases. The cashback amount you earn will be determined by your card type and your monthly spends. The table below breakdowns the revised cashback rates.

To bring you an enhanced experience at every level, our Liv Platinum Card is now rebranded to Liv Cashback Card and the Liv World Card to Liv Cashback+ Card.

Once you upgrade to a new monthly spend tier, all your transactions for that month will earn the new cashback rate. For example, spending AED 16,000 in a month means that you earn 4% on your Cashback+ Card (and 2% on Cashback Card) for all your previous spends of that month!

You can apply for a Liv credit card in two ways – Liv website or the Liv X app.

You can apply for a Liv credit card from Liv website, if you do not want to have an account with us. Simply go to the Credit Card page on our website and click on Apply Now.

You can also apply for our credit card through the Liv X app, for which you need to create an account with us.

If you are applying on the Liv X app, please keep your Emirates ID handy for scanning. However, if you are applying through our website, you will need your passport as well.

You will receive the status of your credit card application as soon as you complete the application process. If your credit card application goes under review, then one of our team members will contact you within 3-5 business days. For further assistance, you can also call or WhatsApp us at 600521212 with your application reference number.

Unfortunately, your credit card application was rejected due to our internal bank policies. If you wish to try again, reapply after 30 days.

Once your card is approved on the app, you will need to accept the limit. After this is done, our courier partner will deliver your credit card within 5 working days after it’s approved. You will receive a message to schedule your delivery with Aramex, and use your mobile number registered with Liv while doing the same. Keep your valid Emirates ID handy at the time of card delivery.

If you don’t have an account with us, install and login to Liv X app using the credentials (email ID and password) created during your credit card application journey on the website. Please make the device trusted and set up Smart Pass, after which you will be shown the activate option on the digital credit card in the app. Set your PIN, and now you’re good to go!

Congrats! The credit card dashboard is your go-to place for all. Just go to home page and click on ‘You Owe’. Select ‘View all Details’ and then click on ‘Cashback Earned’ under your digital card.

There are no differences in benefits received or rewards earned, whether you apply for our credit card from Liv website or the Liv X app.

You need to have an account with us to apply for other Liv products. However, you can apply for our credit card without creating an account with us.

Currently, we provide only one credit card at a time to all our customers

No. If you already have an account with us, please apply for Liv credit card from the Liv X app.

No, you do not need to replace your current Liv credit card to enjoy the full benefits of the new cashback program. The new cashback rates and benefits will be implemented on your current credit card automatically.

You can continue to enjoy the benefits of your existing add-ons till December 2024. Post this, all your add-ons will be discontinued.

Previously, we provided different cashback rates across boosted and base categories. The new cashback program will help you earn cashback on all spends, irrespective of categories. Based on card type and spend tier for the month, Liv Cashback+ cardholders will get up to 4% cashback and Liv Cashback cardholders will get up to 2% cashback on every spend they make.

We continuously strive to offer our customers the best value and benefits. These changes are designed to provide better cashback rates in the market and align with maximizing your rewards.

Your cashback amount is calculated at the end of every calendar month and is not tagged to your billing cycle dates.

Yes, you will receive cashback up to 4% on all your purchases, depending on your card type and monthly spends. For low merchant categories, you will earn up to 0.1% cashback.

Please note that you will only be able to see cashback on transactions that are “settled”. This can take up to 5 working days depending on the merchant but will reflect on your app as soon as it is done.

Below transactions will be excluded when your cashback is calculated:

- Payments made on the credit card via the Liv app (e.g., bill payments)

- Instalment plan repayments (e.g., EMI’s)

- Payments made towards the credit card outstanding

- ATM withdrawals from the credit card

These are categories that are usually for fees, bill payments, and government utilities. Some examples are (please note that this is not the full list):

• Telecommunication Services
• Computer Network/Information Services
• Money Transfers
• Cable, Satellite, and Other Pay Television and Radio Service
• Utilities—Electric, Gas, Heating Oil, Sanitary, Water

You can convert purchases over AED 750 into monthly instalments using an Instalment Payment Plan (IPP). Simply select the transaction on your credit card financial activity page. Each instalment plan has a one-time processing fee of AED 49, and each plan may have its own interest rate.

What’s more? We have also partnered with popular retail merchants to bring you 0 interest Instalment Payment Plans (0% IPP). For 0% IPP, your transaction needs to be worth a minimum of AED 500.

To cancel an IPP, simply chat with our team. A cancellation fee of 1% of the outstanding principal amount applies.

You can request a limit increase once your card is active by calling or sending us a message on WhatsApp at 600521212. This is subject to approval after validating your KYC documents with the bank, and salary/pay slips if required.

You need a minimum cashback of 500 to redeem your rewards.

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

You will be charged a cash advance fee of AED 99 or 3% of the debited amount, whichever is higher.

You will be charged a late payment fee of AED 175 (plus VAT) if you do not pay your credit card bill on time. There will also be additional billed finance charges for outstanding transactions. Please refer to our Key Facts Statement for more details.

You can change your billing date up to 2 times and change your minimum payment % as many times as you like. To change your repayment settings, go to ‘Details’, under your credit card dashboard, and scrll down to ‘Repayment Settings’.

Immediately go to ‘Services’ under your Credit Card dashboard and click on ‘Card Replacement’. You will get an option to either permanently block your card, or block and replace it.

For fraud related blocks, please urgently call or WhatsApp us at 600521212.

If you wish to cancel your credit card, reach out to our support team via call (available 24/7) or WhatsApp (available 9AM - 5PM) on 600521212.

This program is available for all active Liv Credit Card holders with minimum credit limit of AED 1000.

You can choose to repay the amount in 12, 18, 24, 36, or 48 months.

"Loan on Card (LOC) program allows you to get a portion of your available Credit Card limit as cash. The amount selected will be transferred directly to your Liv Primary Account.
You can get a maximum loan of up to 90% of your available Credit Card limit. The amount varies based on your eligibility and available Credit Card limit. "

Loan on Card interest is a reducing monthly interest rate which means the interest is only calculated on the outstanding loan amount and is calculated based on 365 days year (366 days for leap year). Interest rates are subject to changes on periodic basis.

Loan on Card option is given based on your available Credit Card limit. On repayment of your monthly installments, the amount repaid will become a part of your new available Credit Card limit.

You can cancel an existing loan on card plan by initiating the request with a our support team via call or WhatsApp on 600521212. A foreclosure fee of 1% of the outstanding principal plus 5% VAT will be applicable.

Your Loan on Card plan will remain active. If the prepayment is done with an intention to cancel the plan, call or WhatsApp us on 600521212 and request for a cancellation. Upon cancellation, the prepayment will be adjusted towards the Loan on Card outstanding and a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied.

A monthly installment must be paid towards your Loan on Card plan. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Loan on Card plan will immediately be due for payment in full. The remaining outstanding balance will then have our regular finance charges.

When your Credit Card cancellation is processed, all active plans on the Card will automatically be closed, a foreclosure fee and remaining outstanding balance will be due for payment in full.

"The time frame to receive a loan on card amount depends on the disbursal option you've selected when placing the request:

• Transfer to Liv account is done instantly.
• Manager's cheques are issued and delivered within 5 to 6 working days.

If you haven't received your amount beyond the given timeframe and need assistance, raise a request by navigating to the Service tab > Apply for new service > Credit cards > Loan on card - Not credited."

"You can convert purchases over 500 AED into monthly installments using an Installment Payment Plan (IPP). Simply select the transaction on your credit card financial activity page. Each installment plan has a one-time fee of AED 49, and each plan may have its own interest rate.

To apply for IPP, navigate to the Service tab > click on 'Apply for new service' > go to 'Credit card' > and select 'Installment payment plan' "

Before you cancel your credit card installment plan you should note that:

• A cancellation fee of 1% of the outstanding principal amount applies

If you wish to cancel multiple installment plans you will have to place a separate request for each plan.

To raise a request for cancellation, reach out to our support team via WhatsApp on 600521212 or chat with us via the Liv App.

"To apply for Balance conversion, select your 'Credit card' on the homepage, navigate to 'Services', select 'Balance conversion' and enter the amount you want converted.
You can select a repayment period of 12, 18, 24, 36 and 48 months."

The timeframe to receive a Loan on Card amount depends on the disbursal option you've selected when placing the request:

• Transfer to Emirates NBD and Emirates Islamic bank accounts is done instantly
• Transfer to local bank accounts takes 1 working day
• Manager's cheques are issued and delivered within 5 to 6 working days.

"Balance Transfer allows you to transfer your other bank credit card outstanding balances to your Liv Credit Card and convert it into easy installments at nominal interest rate.

To be eligible for a Balance Transfer

• A minimum transfer of AED 1000 should be applied
• The Balance Transfer should not be more than 90% of your available credit limit

You can choose to repay the Balance Transfer installments in 6, 12, 18, 24, 36, or 48 months."

You will get a managers cheque against the other bank’s credit card number for the amount of balance transfer requested. Customers can present this check to clear the outstanding amount with the other bank.

If you fail to pay installments for two consecutive months, your plan will be automatically foreclosed. The entire outstanding Balance Transfer amount will immediately be due for payment in full. Any remaining outstanding balance will attract our regular finance charges.

Please reach out to our support team via call or WhatsApp on 600521212 to prepay the amount in full.

You should settle all your active plans before you close your credit card. Failing to clear the outstanding will lead to rejection of the credit card closure request.

"If you are not receiving SMS notifications from Liv, it could be due to one of the following reasons:

• Your carrier is restricting the messages. Send an SMS 'UALL' to 7726 to remove these restrictions.
• Your registered mobile number with us is incorrect. You can update it by following the steps mentioned below:

Navigate to 'Profile and Settings' on the dashboard, then click on 'Personal Information' and tap on 'Mobile' to change the number. "

What are the new features with LIV X?

It is an upgrade to your Savings/Current Account with Liv Bonus Multiplier offers enhanced interest rates and pre-decided banking benefits

"You can receive up to 3.00% interest on your Primary Account balance.
(Interest will be capped at AED 2000 per month)"

"1) Make Liv your Salary Account. Transfer a salary of AED 10K or more
OR
2) Maintain a monthly balance of AED 30K+ across your accounts (Includes Goal Accounts, Money Ahead Deposits and Livionaire Accounts)
Instant balance deposits or salary transfers will not reflect a segment upgrade immediately. Calculations for eligibility will be considered from 1st calendar day of every month."

Once you are upgraded to Bonus Multiplier, eligibility requirements must be met to continue receiving benefits.
If you are unable to do so, there will be 90 calendar days provided to you to fulfill the requirements again. After completion of the 90-day period, if you are unable to meet the requirements, you will be downgraded to a regular Savings/Current Account.

Pay your bills from your Liv app for free, and store the info for easy payments in the coming months! You can make bill payments for DEWA, DU, Nol, Etisalat, SALIK… and even your credit card bills. Click here for the full list of providers & limits.

Yes, you can pay anyone’s bill – simply enter their bill details.

To pay a bill, go to Transfer/Pay> Payments > Pay Bills. Make sure you have sufficient balance in your Liv account or available credit limit on your Liv Credit Card to pay the bill.

You’ll be notified through your Liv app once the payment has gone through. In case the payment hasn’t reached for more than 24 hours, please reach out to our support team via call or WhatsApp on 600521212.

"Payments towards utilities, phone bills, RTA, fines, airlines etc. through cash deposit machines are processed instantly. However, payments towards credit cards will be processed within 24 hours if the payment is made before 10pm, else it will take 48 hours.

If your deposit has still not been credited in the given time frame, please reach out to our support team via call or WhatsApp on 600521212. "

The time it takes for a credit card payment to be processed depends on the channel used to make the payment:

• Within 24 hours if made through the Emirates NBD ATM, Mobile or Online Banking, cash deposit machines or Phone Banking before 10 PM, else it will take up to 48 hours.
• Within 2 to 5 working days if it's a cheque payment through Emirates NBD cheque deposit machines.
• Within 2 working days if made through an exchange house.
• Within 24 to 48 hours if paid via transfer.

To raise a request, navigate to the Service tab > Apply for new service > Credit card > Credit card payment issue.

To pay your bills, select ‘Pay & Transfer’ and ‘Pay Bills’. Here, you can choose an existing beneficiary or start a payment to a new beneficiary.

Navigate to 'Transfer/Pay' and select 'Credit card payments' to pay a credit card bill. If you’re paying for a new card, choose 'New Card' and enter the card details. Alternately, select from your list of existing cards.

"Once your auto debit instruction executes, it can take up to 24 hours for the payment to be processed and reflect on your credit card.

To raise a request, please reach out to our support team via call or WhatsApp on 600521212."

The Game On Deposit is a unique Fixed Deposit that will be pivoting on UAE's biggest football tournament, so if you’re crazy about football, love a good challenge, or have intuitive predictive abilities, this can be a game-changer for you (literally). The Game On Deposit campaign brings you a never before opportunity to bag up to 6% annual interest on your Deposit.

Head over to the Liv X app and you can easily create a Game On Deposit through the ‘apply now’ section. Select your team > enter your desired amount and your account will get created

• Your interest rate will be dependent on the result of the UAE football tournament.
• If the predicted team wins the tournament, you can win 6% per annum on your principal amount
• All other customers will receive the rack rates of the fixed deposits
• If the predicted team doesn’t win the tournament, you will still earn 2.3% per annum on your principal amount

The Game On Deposit has a fixed a 6 month tenure

AED 5000

AED 1 Million

Each Game On Deposit can be created for one country.

You can create multiple Game On Deposits and select different European countries as your prediction.

Interest will get credited on maturity of the Fixed Deposit.

Yes, you will still be eligible for 2.3% annual interest on your principal amount.

At time of Fixed Deposit creation, you can choose to auto renew your deposit. While selecting the option to auto renew, you can decide on when you want your eligible interest to be credited. The interest rate on the renewed tenure will be as per rack rates.

Yes you can close your Fixed Deposit before maturity, however you will not receive any interest. Your principal amount will get credited back to your primary account.

Go to your profile image and click on 'Personal information‘ You can update your email address, mobile number, home and work addresses.

Go to 'Profile and Settings' and click on 'Personal Information'. Navigate to 'Documents' to update your Emirates ID and Passport details.

Navigate to the Services tab, you will be able to see the status of all your requests.

Go to your profile image and click on 'Personal information‘ to declare your country of tax residency.

You no longer need to use secret questions, thanks to the introduction of new security measures.

Go to 'Profile and Settings' and click on 'Security' to update your login preference and password.

Go to ‘Settings’, click on ‘Security’ then ‘Permissions’ to manage your biometric settings. Always remember, using biometrics helps you log in and transact faster.

Go to 'Profile and Settings' and click on 'Security' to update your Smart Pass PIN.

You can change your PIN by going to 'Cards' on your dashboard, select the card you would like to set a new PIN for, then under the card image, click on 'Settings,' and select 'Change PIN'.

You can enable or disable your card usage for in-store payments, ATM withdrawals and online purchases by selecting 'Usage Preferences' under 'Settings'.

Smart Pass is a secure and alternative way to protect customers when authorizing transactions through Mobile.

Once you activate Smart Pass, you will no longer receive SMS authentication codes for the following transactions and you will use Smart Pass to authorize them:

• Adding beneficiary
• Modify beneficiary details
• Transfer and payment of bills
• Request a cheque book
• Reset User ID/Password

Changed your phone or email and no longer have access? Our team is here to help.

Just share the below documents on connect@liv.me

• Proof of ownership to the new mobile number (screenshot of your service provider’s app with name/logo, your full name and your new mobile number).
• Reason for mobile number change/ Email ID.
• Passport copies.
• Visa copy.
• Emirates ID copies (Front & back).
• Registered/old mobile number.
• New mobile number.
• New Email ID.

For all users with Liv and ENBD Accounts registered for FastPay are eligible to make local transfers directly using mobile number. You can register for FastPay on your updated LivX app.

Click on 'Transfer/Pay' and choose the type of transfer, then select your existing beneficiaries or start a new transfer. While starting a new transfer, you can use a bank account number, IBAN or Mobile Number (for FastPay). If you enter an IBAN, the account and transfer details will be identified automatically.

Most banks usually process local transfers within 2 working days and international transfers within 4 working days.

If you haven't received a transfer you have been expecting, you should first check with the sender whether they have used the correct account details and whether their bank has successfully processed the transfer.

We can help you identify the status of a processed transfer as well. To do this we'll need a proof of payment such as a transfer receipt or bank statement for local transfers or a copy of an MT103(*) for international transfers containing the following details:

• Sender’s name and account details
• Date of transfer
• Sender's country and currency of transfer
• Transfer amount

To raise a request, navigate to the Service tab > Apply for new service > Credit card > Credit card payment issue.

"If your beneficiary hasn't received the transfer within 2 working days, please check with us to verify the accuracy of the account details. If the transfer is processed from our end, you can request for a SWIFT Copy (MT-103) to provide to your beneficiary to help locate the transfer.

To raise a request, navigate to the Service tab > Apply for new service > Transaction > Local transfer not received."

We may attempt to stop or recall some transfers; however, success may vary depending on the transfer status. To raise a request, navigate to the Service tab > Apply for new service > Transaction > Cancel transfer.

Please note that any applicable exchange loss on returned or recalled foreign currency transfers will be debited from your account.

Emirates NBD, Emirates Islamic and DirectRemit transfers cannot be cancelled or recalled.

If you have provided incorrect recipient details, the transfer will be returned to you within 3 to 5 working days.

If you've transferred funds and your beneficiary hasn't received them within 4 working days, please contact us to track the transfer status. If the transfer was completed from our end, you can request a SWIFT Copy (MT-103) to be provided to the recipient's bank.

To request a SWIFT Copy, navigate to the Service tab > Apply for new service > Transactions > Swift Copy.

If your beneficiary hasn't received their money within 2 working days for a local transfer or 4 working days for an international transfer, check with us to see if the account details are correct.

If the transfer is processed from our end, you can request for a swift copy (MT-103) to be provided to your beneficiary, which will help them locate the transfer.

Please reach out to our support team via call or WhatsApp on 600521212.

There may be instances where the amount credited back into your account is lower than the initial transferred amount. This is due to the funds converted into AED as per the prevailing rate and then credited back to the account also referred to as “Exchange Loss”.

The credit back is often caused by the beneficiary bank not accepting the transfer or in some cases due to regulatory guidelines.

It is advised to always ensure accuracy of beneficiary account details before any transfer is initiated. The bank is not liable for any exchange losses.

Typically, most banks process local transfers within 2 working days and international transfers within 4 working days. If you haven’t received an expected transfer, please check with the sender to ensure they have used the correct account details and if their bank has successfully processed the transfer.

If the beneficiary bank has sent the transfer successfully, to investigate the transfer status, we'll need proof of payment from your sender's bank, such as a transfer receipt or bank statement for local transfers or a copy of an MT-103 for international transfers containing the following details:

• Sender's name and account details
• Date of transfer
• Sender's country and currency of transfer
• Transfer amount

To raise a request, navigate to the Service tab > Apply for new service > Accounts > Inward transfer not received.

You don’t need to add a new beneficiary before making a transfer or payment anymore. Just proceed with the payment or transfer, put in your beneficiary details, and once your transaction is completed, you’ll see the option to add the beneficiary to your list if you want to.

Go to ‘Pay & Transfer’ and click on ‘Between my Accounts’ to move funds across your own accounts.

A personal loan helps you finance your needs and goals. The loan is repaid in fixed monthly installments over an agreed period, with interest charged on the amount borrowed. You can use a personal loan for home renovations, medical expenses, travel, education, wedding expenses, and debt consolidation, and other big purchases.

To be eligible for Liv Personal Loans, you need to fulfill the below criteria -

• You are either a UAE national or a UAE resident
• Between 21 and 60 years old (65 for UAE nationals)
• Earn a minimum salary of AED 5,000 or more
• Salary transfer to Liv account for at least 1 month before application. To transfer salary to Liv account, provide your Liv account details to your current employer.
• Debt-burden ratio should be below 50%

To transfer salary to your Liv account, share your Liv account details with your current employer.

You can get loans up to 20 times your salary, with a maximum amount of AED 200,000. The loan amount also depends on your age, income, employee type, your debt-burden ratio and internal bank policies.

You can apply through the Liv X app by simply clicking on the ‘Apply for Personal Loan’ tab on the home page.

You don’t need to submit any documents when applying on our app. However, if we need any additional documents from you, we will reach out to you.

Liv Personal Loans comes with low interest rates of 8.99% (reducing balance) per annum. Payment terms range from 12, 24, 36, and 48 months.

You can track your loan application on the Liv X app under the services section, or our agent will reach out to you and let you know what the next steps will be.

If your loan is approved, the funds will be credited to your Liv Primary account instantly after deducting fees and charges associated with the loan.

Staying up to date on your payments will help you maintain a strong AECB credit score. Your missed payment will be deducted the next month. In addition to the next month’s payment, a late payment fee of AED 50 will be charged.
Alternatively, you can go to the Personal Loans dashboard in the Liv X app and pay the missed amount instantly. A late payment fee of AD 50+VAT would still apply.

We are currently reviewing your Personal Loan request, and someone will reach out to you to complete the application. This may include some further documentation required from your end. Our support team will reach out to you for the same if required.

Currently, top-ups on existing Liv personal loans are not available. However, we are working on offering this option soon! Stay tuned for updates.

We currently do not provide insurance as part of our Personal Loan product. Stay tuned for this feature as it will be coming soon!

To apply for Motor insurance with Liv, navigate to the Products page on the Liv App and Select Insurance. You can follow application steps on screen.

If you have opted for agency repairs, then your vehicle will be repaired at the main authorized dealership. Otherwise, the insurance company will select one of its authorized repairers depending on the vehicle type, nature of damage and availability.

Yes, GCC and Oman cover is provided at an additional cost. You can select this as an add on when getting your insurance quote.

Insurance for high-value cars or sports cars can be arranged by our Sales team. You can fill out your car details on the Liv App and submit the application for a quote.

A number of factors are used to calculate your insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, value of the vehicle and type.

As the insurance premium is affected by the profile of the driver, it is not possible to simply transfer insurance cover from one driver to another. The existing policy must be cancelled. The new owner will then be given a new insurance policy that is required for registration purposes. To cancel your insurance, you can reach out to the Liv support team via the Liv App, on WhatsApp or via Call on 600521212.

The premium for the unexpired period is returned as long as no claims were made during the insurance period. The refund is calculated on pro rata basis. To cancel your insurance, you can reach out to the Liv support team via the Liv App, on WhatsApp or via Call on 600521212.

Yes, you are legally required to insure your vehicle in the UAE.

To register a new vehicle, You will need to input your Emirates ID, driving license number & Chassis number on the Liv App while filling out the application. This will be validated by Liva.

A motor insurance policy is a mandatory policy issued by an insurance company as part of prevention of public liability to protect the general public from any accident that might take place on the road. UAE law mandates that every owner of a motor vehicle must have a motor insurance policy.

The coverage under the policy is extended to include loss or damage to your insured vehicle and/or third-party liability while being driven off road.

The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident.
Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Livas standard excess is as per UAE law.

Full car insurance policy covers you against loss, damage and third-party liability. You are also protected against damage to your motor vehicle due to accidental collision, overturning, fire, external explosion, self-ignition, theft, or a malicious act unless specifically excluded. Accrued legal liability and agreed costs and expenses against third party bodily injury/property damage arising out of use of motor vehicles unless specifically excluded. Third-party liability covers you against death or bodily injury to any third party/person. Damages to third party property arising out of the use of your motor vehicle. More importantly, this policy does not cover any damage or loss to your own vehicle. Please see the policy document and T&Cs for further details

The excess or deductible is the customer contribution made at the time of non-recoverable claim(s) due to an accident. Non-recoverable motor claims usually occur when an accident is caused by the insurance policy holder. Liva's standard excess is as per UAE law.

A No Claims Discount (NCD) is the discount given on your premium based on the experience (i.e. number of years without claims) of the driver.

To cancel the policy, please reach out to our Support team via the Liv App, or via Call or WhatsApp on 600521212.

The Insurance can only be purchased under the name of the Liv account holder.

A 13-month insurance period is required to cover the one-month registration grace period.

To change your Insurance provider, you will first need to cancel your current Insurance.
To cancel your Insurance, please reach out to our Support team via the Liv App, or via Call or WhatsApp on 600521212.

Liv has partnered with Liva insurance to provide Motor insurance.

To modify an existing Insurance policy with Liv, you will have to reach out to our support team via the Liv App, or via Call or WhatsApp on 600521212.

Your policy will be generated immediately. If you do not see your policy in the 'Active' section or it remains in the 'Pending' state, please reach out to our support team via the Liv App, or via Call or WhatsApp on 600521212.

Unfortunately, we cannot provide exact details to why you have not been able to receive a quote from Liva Insurance. There are a variety of reasons why you may not be eligible. This may include the type of car you are looking to insure, years of driving experience etc. We can forward your request to Liva Insurance and they will contact you. Please reach out to our support team via the Liv App, or via Call or WhatsApp on 600521212.

You are legally required to have a valid driving license if you are buying motor insurance.

Please review the KFD which shows Personal Accident Benefit for passengers is an optional add on for comprehensive and executive Insurance.

Please see the KFD which shows Temporary Rent a car is an optional add on for comprehensive and is included for executive insurance. It is not available for third party.

Yes you can, but pre-existing conditions will not be covered by the policy.

An annual policy is good for someone who is likely to travel more frequently as it is more cost-effective and you don’t have to notify us every time you travel.

A single trip policy covers you only for one specified trip, whereas an annual policy will cover you for multiple trips made during the year without having to notify us. The cover and the limits offered for our annual and single trip policies are identical.

A pre-existing condition is defined as any medical condition which existed prior to a journey affecting you and/or any close relative and/or travelling companion, including but not limited to
  (a) a condition for which the person is on a waiting list for hospital in-patient treatment,
  (b) a condition referred to a medical specialist,
 (c) a condition or the cause of in-patient treatment within 12 months prior to the journey,
 or
 (d) a condition for which a terminal prognosis has been provided by a medical practitioner.

Our travel insurance policy covers pregnancy related claims up until 10 weeks prior to the estimated date of delivery. 

No children are not covered free, but a reduced rate is charged and they still need to be added into the policy.

Yes it is, provided you are with an instructor, please review T&Cs for further details

Anyone less than 18 years old is considered a child. The maximum age up to which you can be insured is 70 years.

The reason we have a limit on some travel insurance is because of the high probability of claims from this age group. If we covered these risks, the result would be a general raise in all premiums for everyone. However, we always try to be accommodating, so please speak to us and we’ll do the best we can to help.

Yes, we do offer a skiing option that provides cover on a range of skiing benefits for customers who want to take part in normal winter sports activities. Please select this as an addon and a premium charge will be made for this.

This is determined by the length of policy you have selected and the start date of the policy

We have a dedicated 24-hour Assistance Centre that you can contact from anywhere in the world. Call +44 (0) 20 8762 8008 for help. Repatriation to the UAE will be arranged if it is deemed medically necessary.

War and terrorism are standard exclusions under the terms and conditions of this and most other travel insurance policies.

You can buy travel insurance for upto 10 travellers.

To cancel your travel insurance, you can reach out to the Liv support team via call or WhatsApp on 600521212.

To amend your travel insurance, you can reach out to the Liv support team via call or WhatsApp on 600521212.

A home insurance policy is intended to cover items for personal use only. If your home office is used for purposes beyond paperwork and telephone calls, such as receiving clients or customers, employing staff, or storing business-related cash or stock at the property, please contact us to discuss your specific requirements.

No, you only need to specify items in the home that are worth more than a predefined amount.

No, you don’t need to provide this information upfront; however, we may request proof of purchase, such as receipts or operating manuals, at the time of the claim. For items specified in the policy that are covered outside of the home, proof of purchase or a recent valuation certificate should be provided

No, you don’t need to provide this information upfront; however, we may request proof of purchase, such as receipts or operating manuals, at the time of the claim. For items specified in the policy that are covered outside of the home, proof of purchase or a recent valuation certificate should be provided

All lost or damaged items will be replaced on a new-for-old basis, except for clothing, where a wear-and-tear deduction may apply

As a general guideline, contents include all items you would likely take when moving out, such as carpets, curtains, furniture, electrical appliances, valuables, clothing, and personal effects. Your contents sum insured must represent the total current replacement cost of all such items in your home. Items that are insured outside of the home do not need to be included in this sum.

This coverage applies to items that are literally taken outside of the home, such as cameras, watches, sunglasses, and jewelry. Coverage can be arranged on both a specified and unspecified basis. You need to specify items valued over a predefined amount if you require them to be insured outside of the home.

This depends on the section under which you are claiming.

Your home is covered for a maximum of 60 days while you are away on holiday. If you plan to be away for longer than 60 days, please contact us to arrange an extension of your home insurance coverage.

Yes, we do offer a skiing option that provides cover on a range of skiing benefits for customers who want to take part in normal winter sports activities. Please select this as an addon and a premium charge will be made for this.

Liv has partnered with Liva insurance to provide home insurance.

To modify an existing Insurance policy with Liv, you will have to reach out to our support team via the Liv App, or via Call or WhatsApp on 600521212.

Your policy will be generated immediately. If you do not see your policy in the 'Active' section or it remains in the 'Pending' state, please reach out to our support team via the Liv App, or via Call or WhatsApp on 600521212.