Local transfers
Help! My local transfer hasn't reached.
Transfers to Liv, Emirates NBD, or Emirates Islamic accounts can take up to 2 working days (excluding Fri, Sat & bank holidays).
Transfers to other UAE bank accounts can take up to 3 working days (excluding Fri, Sat, & Bank holidays).
If your transfer hasn’t reached the other side by the above timeframes, chat with us for help (pro tip: chatting with us earlier won’t get the money there faster!)
I’m expecting a local transfer to my Liv account, but it hasn’t reached me yet
If you’re expecting a transfer to your Liv account and it’s been more than 3 working days (excluding Fri, Sat, & Bank holidays), simply ask the sender or sender’s bank for a SWIFT copy and send it to us through chat. This is what a SWIFT copy looks like
:SND:EBILAEADXXXX
:RCV:BOMLAEADXXXX
:20:O000989876
:23B:CRED
:26T:RNT
:32A:210227AED1500,00
:33B:AED1500,00
:50K:/PP-04/AE65026000095xxxxxx01
AllAN MAXWEL
NA,NA
NA,DUBAI
P.B. 000 DUBAI UAE
:52A:EBILAEADXXX
:54A:CBAUAEAAXXX
:57A://971(52)123455
BOMLAEADXXX
:59:/AE460330000019100123456
JEAN CLAUD
DUBAI UNITED ARAB EMIRATES
:70:/REF/local transfer
:71A:SHA
I made a transfer, but it’s not reflecting in my app.
Don’t stress! Your transfer will reflect in the app 24 hours after you send it.
What are the fees for sending & receiving a local transfer?
Send money to other Liv, Emirates NBD, and Emirates Islamic accounts for free!
Transfers to all other UAE bank accounts are AED 1 (+VAT).
Receive money from any UAE bank account for free!
How much money can I send locally every day, and month?
Send up to AED 150,000 per day, and AED 500,000 per month to any UAE account. Receive unlimited money into your Liv account!
Where can I find my bank details, to share with a loved one?
Simply go to Settings > Account Details > Share
Help! I want to stop a transfer from going through.
If you’ve entered invalid details while making a transfer, the money will be returned to your Liv account within 7 working days.
If you’ve accidentally sent money to the wrong person, we’ll do our best to help you out. Simply chat with us.
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