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.	Free
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

Statements

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

Other Liv Products

Max

Max subscription	AED 39 per month
Waiver criteria	AED 30,000 monthly average balance across any accounts with Liv

Livionaire Account

Livionaire Account set up	Free
Transfers in and out of Liv Account	Free
Minimum Balance	No minimum balance requirements

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 Gold Account

Category	Charges
Maintenance fee	Free
Transactions in and out Gold account	Free
Processing fee	Free

*There will be a currency conversion spread applied on the trade amount (Approximately 0.75% but can vary from time to time, hence please check the order confirmation in the app for reference).

UAE Equities

Region	Exchange	Exchange Name	Total Trading Fee (%)	Transaction Fee (AED)	Fee Currency
UAE	DFM	Dubai Financial Market	0.68% + VAT	AED 10.50	AED
UAE	ADX	Abu Dhabi Securities Exchange	0.76% + VAT	AED 0	AED

Game On Deposit Account

Game On Deposit set-up	Free
Early Closure Fee	Zero
Interest rates on Early closure	0% interest applicable in case of early closure of Game On Deposit

Money Ahead Deposit

Money Ahead Deposit Set up	Free
Early Closure Fee	Zero
Interest rates applicable on early closure	click here

Liv Credit Card

Credit Card Type	Cashback Card	Cashback+ Card
Annual Fee	Free	AED 735
Monthly Interest Rate	3.49%	3.25%
Annual Interest Rate (APR)	41.88%	39%
Card Replacement Fee	AED 26.5	AED 26.5
Foreign Currency Transaction Fee*	1.99%	1.99%
Late Payment Fee	AED 183.75	AED 183.75
Overlimit Charges**	AED 292.95 per billing cycle	AED 292.95 per billing cycle
Cash Advance Fee	3% or AED 99 (whichever is higher)	3% or AED 99 (whichever is higher)
Regular Instalment Plan: One time processing fee	Free	Free
0% Instalment Plan: 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
Loan on Card: One time processing fee	AED 49 per transaction	AED 49 per transaction
Instalment Plan/Balance Transfer/Balance Conversion/Loan on Card: Cancellation Fee	1% of principal outstanding	1% of principal outstanding

*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.

Liv Lite

Category	Charges
Liv Lite 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.

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