Liv Primary Account

Download the Liv X app, follow the guided setup, upload your Emirates ID, complete identity verification, and sign digitally. The account opens in minutes with no paperwork.

There's no minimum balance to keep the account open. Keeping an average monthly balance of AED 3,000 waives the AED 25 monthly fee.

The AED 25 monthly fee is waived if you transfer a monthly salary of AED 5,000 or more, spend at least AED 2,500 on your debit card, hold an active Liv Credit Card, or maintain an average monthly balance of AED 3,000. Students aged up to 24 are always exempt.

No. The Primary Account doesn't earn interest. A separate Liv Goal Account earns interest on savings set aside for specific goals.

Liv Max is an optional subscription on top of the account, at AED 39 a month. It's waived while your average monthly balance is AED 30,000 or above. Selecting it during onboarding starts you on two free cycles before billing begins.

Goal Account savings earn 3.5% a year on balances up to AED 500,000, rising to 4% if your salary is transferred to Liv. The Classic plan has paid nothing on Goal Accounts since March 2026, so this is the whole rate rather than an uplift. Instant Interest Fixed Deposits pay 3.25% instead of 2.25%, or 3.5% with a salary transfer. FX moves to preferential rates with free DirectRemit. The AED 735 joining fee on a Liv Cashback+ credit card is waived for the first year, and a personal loan's 1% processing fee entirely. Support becomes 24/7 by phone.

It depends on what you keep in savings. The subscription costs AED 468 a year, and the Classic plan now pays nothing on Goal Accounts, so the full 3.5% counts: roughly AED 13,400 of Goal Account savings covers it on interest alone, or about AED 11,700 if your salary is transferred and the rate is 4%. Below that it is worth it only if you are also taking the credit card joining-fee waiver or the deposit and FX benefits. Above AED 30,000 average balance the subscription costs nothing anyway.

A salary transfer of AED 5,000 or more waives the account's AED 25 monthly fee, so you no longer need to hold an average balance of AED 3,000 to avoid it. On Liv Max it also lifts the Goal Account rate on balances up to AED 500,000 from 3.5% to 4% a year, and adds 0.5% to the Instant Interest Fixed Deposit rate.

Closing within 6 months of opening incurs an AED 50 fee (waived for customers under 24). Contact Liv support to request closure once outstanding charges are settled.

Yes. The first debit card is free with unlimited withdrawals at Emirates NBD ATMs, and the first cheque book is free for salary accounts. UAE residents aged 18 or over with a valid Emirates ID can open the account, one per Emirates ID.