Liv review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Liv is a digital bank account for people in the UAE who want a low-cost everyday account with easy-access savings in the app, run by a UAE bank. The monthly fee runs AED 0 to AED 25, but currency conversion of 3.14% is steep for anyone holding other currencies.
Key facts
- Best for
- A UAE-based digital everyday account with easy-access savings alongside it.
- Monthly fee
- AED 0 to AED 25↗
- Currency conversion fee
- 3.14%↗
- Currencies
- 5↗
- Free ATM withdrawals
- AED 0↗
- Transfer fee
- Local outward transfer AED 0 and transfers within Liv free; international transfers AED 9.9 + VAT to India, Pakistan, Sri Lanka, Philippines, AED 10 to UK, AED 20 to all other countries↗
- Legal entity
- Emirates NBD Bank (P.J.S.C)↗
- Headquarters
- United Arab Emirates↗
- Support channels
- Phone, Email, Help-centre, Chat↗
- Audience
- Students, Teens
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Digital-only
- Official website
- liv.me
Savings
Money transfer
- Delivery time
- 60 seconds to partner banks, 60 minutes to other banks↗
- Payout methods
- Bank↗
- Fee to send 1,000
- AED 9.90↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- No monthly fee model, with the monthly fee on the account running AED 0 to AED 25
- Headline rate of 4% on variable terms, credited monthly on the daily available balance
- Local outward transfers are free, and transfers within Liv carry no charge
- Support covers phone, email and help centre
Cons
- Currency conversion of 3.14% is well above the 0.5% typical here
- 5 currencies is modest against the 5 typical of multi-currency listings
- The service is digital only (free atm and digital only), so everyday banking runs through the app
Who it suits
- Residents of the UAE who want everyday banking and savings in the Liv app
- Students and teens opening a first account, with a free ATM allowance of AED 0
- People sending money abroad who can use 60 seconds to partner banks, 60 minutes to other banks payouts
Who should look elsewhere
- People who convert money often and want a tighter currency conversion rate, better suited to Skrill
- Anyone who needs to hold a long list of currencies, better suited to eToro
- People who want a branch counter to visit, since Liv is digital only
How it compares on our data
On currency count, Liv sits at position 156 of 379 brands in the data. On currency conversion the ranking is weaker, at position 287 of 312. Holding a narrow set of currencies sits comfortably; trading between many is where the ranking slips.
How Liv compares
8.7 vs 8.7
8.7 vs 8.6
8.7 vs 8.0
8.7 vs 8.9Covers a wider spread of currencies than Liv's 5, with a monthly fee of £0.
8.7 vs 9.1
8.7 vs 9.2
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 9.0A monthly fee of €0 and a lighter conversion charge suit people who move money across currencies more often than Liv's 3.14%.
8.7 vs 8.7
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.9- 8.7 vs 8.9
8.7 vs 8.7
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.4
8.7 vs 8.3
8.7 vs 8.2
8.7 vs 8.1- 8.7 vs 8.1
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 9.1
Where Liv is available
- Available
- United Arab Emirates
- Licence in United Arab Emirates
- Central Bank of the UAE, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Liv cost to run each month?+
The monthly fee runs AED 0 to AED 25 on the Liv account range, and cash machine use comes under a free ATM allowance of AED 0. Local outward transfers cost nothing, and transfers within Liv are free as well, so everyday banking stays cheap. Currency conversion is the cost worth watching.
Who regulates Liv?+
Liv is operated by Emirates NBD Bank (P.J.S.C), based in United Arab Emirates, and regulated by the Central Bank of the UAE. The account is issued by that bank rather than by a standalone e-money or payments firm, and the published charges cover accounts, transfers and conversion.
How much does it cost to convert money?+
The currency conversion fee is 3.14%. The median fee across the brands compared is 0.5%, and the upper quartile sits at 2.08%, so Liv sits in costlier territory. Plan on converting only what you need.
What savings can I hold in the app?+
Savings run on demand with no fixed term, and the rate is 4% on variable terms. Interest is credited monthly on the daily available balance, so the money stays accessible. The account itself is an easy access account.
How quickly do transfers arrive?+
Payouts go to bank accounts, and delivery is 60 seconds to partner banks, 60 minutes to other banks. Remittances to India, Pakistan, Sri Lanka and the Philippines cost AED 9.90 plus VAT, with different amounts set for the UK and for other countries.
How many currencies can I hold?+
Liv supports 5 currencies. That matches the 5 median for multi-currency accounts in the data, but sits below the 15 top quartile. It works for a holiday or a second market rather than a full trading set.
Who is Liv built for?+
Liv lists students and teens among the audiences it serves, and the low cost suits a first account. Residents of AE who want everyday banking and savings in the Liv app are a natural fit, particularly if you are comfortable running everything from your phone.
Can I get help when something goes wrong?+
Support runs through phone, email and help centre, so you can pick phone, chat, email or the help centre depending on the issue. Since the service is digital only, the app and those channels are the main routes to resolution.
Sources
- liv.me/en/about-us checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Emirates NBD Bank (P.J.S.C) is licensed by the Central Bank of the UAE”
- liv.me/en/accounts/liv-goal-account checked September 26, 2026
Backs: Account kind, Headline rate
“Set and forget - Automatic transfers that need no intervention”
- liv.me/en/accounts/multi-currency-account checked September 26, 2026
Backs: Currencies
“One Card. Five Currencies. ... Manage up to 5 foreign currencies”
- liv.me/en/banking/interest-rate checked September 26, 2026
Backs: Access terms, Rate type
“Interest will be calculated on the daily available balance ... Interest will be credited to customer account monthly”
- liv.me/en/charges checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Features, Currency conversion fee, Pricing model, Monthly fee, Transfer fee, Fee to send 1,000
“Emirates NBD ATMs in UAE Cash Withdrawal Free”
- liv.me/en/remittances-and-payments checked September 26, 2026
Backs: Delivery time, Payout methods
“60 second transfers to HDFC, ICICI & SBI accounts; 60 minute transfers to any other bank in India”
- liv.me/en/ways-of-banking/reach-us checked September 26, 2026
Backs: Support channels
“Speak to us on 600521212 if you are within UAE ... You can email us on connect@liv.me”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
Liv
A UAE-based digital everyday account with easy-access savings alongside it.