Fees & charges

Liv. Primary Account

Account Maintenance & Closure fee

Please click here to see the updated charges.

Students aged up to 23 years Free

You need to transfer monthly salary of AED 4,000 or more to Liv. If you can’t then do either of the following

  • Spend at least AED 1,000 with your Liv. card/month
  • Or become a Prime subscriber.
  • Or have a Liv. credit card or Liv. loan.
  • Or keep your monthly average balance of AED 2,500. (that includes all balances in primary account and goal accounts.)

Example - If your primary account has AED 100 and your goal account has AED 2400 for the whole month, you will not be charged.

If you're unable to do any of the above AED 15 p/m
Early Account Closure Fee (within 6 months) AED 50


Downloading of E-statements Free
Stamped Statement – Delivery AED 25

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 (1.5% of the purchase) 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
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