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.
Monthly FeeAED 25/month
Minimum SalaryNo minimum salary required
Minimum BalanceAED 3,000
Liv Primary Account
A fully digital current account opened from the Liv X app in minutes, with a free debit card, instant activation, and no branch visits required.
Benefits
Free Debit Card
Free debit card with unlimited withdrawals at Emirates NBD ATMs
The first debit card is free; replacements cost AED 25. Withdrawals are free at Emirates NBD and Islamic ATMs, AED 2 at other UAE ATMs, and AED 6 in GCC countries.
Liv X Mobile App
Complete digital banking with no branch visits
All banking services run through the Liv X app (iOS 9+ or Android 5.0+): statements, transfers, service requests, and spend tracking.
Quick Remittances
Free local transfers and fast international remittances
Local transfers are free. International remittances to India, Pakistan, Sri Lanka, and the Philippines cost AED 9.90, the UK AED 10, and other countries AED 20.
Instant IBAN & Account Details
Share your IBAN and SWIFT code immediately for deposits and payments
Access your IBAN and SWIFT code straight from the app for salary transfers and bill payments, no branch visit needed.
Bill Splitting
Split expenses with friends directly in the app
Divide shared costs with others in-app. Utility bill payments made through the app are free.
Cheque book available
Cheque book
Fees
25AED
Monthly fee
Waived with salary transfer AED 5,000+, debit card spend AED 2,500+, an active Liv Credit Card, or AED 3,000 average balance. Students under 24 are always exempt.
50AED
Early closure fee
20AED
Cheque book fee
The first cheque book (10 leaves) is free.
Bounced cheque feeAED 100
Card replacementAED 25
Non-ENBD ATM withdrawalAED 2
GCC ATM withdrawalAED 6
International ATM withdrawalAED 20
FX transaction fee3.14%*
*Plus standard Visa processing fees.
Remittance (India/Pakistan/Sri Lanka/Philippines)AED 9.9
Other international remittanceAED 20*
*Plus correspondent bank charges where applicable.
Stamped statementAED 25
Manager's chequeAED 30
Eligibility
18
Minimum Age
UAE resident
Residency
Legal capacity
Capacity to contract under UAE law
One account per person
One Primary Account per Emirates ID
How to open
How to open a Liv Primary Account
1.Download the Liv X app (iOS or Android)
2.Open the app and select "Open Account"
3.Upload your valid Emirates ID and complete identity verification
4.Enter your personal and contact details
5.Review and accept the Terms & Conditions, then sign digitally
6.Account activates immediately, no paperwork required
Documents
Frequently asked questions
Get answers to common questions about the Liv Primary Account
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