All the different ways you can make payments and transfers with us

"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.

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."

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.