SavingsLIV DIGITAL BANK BY EMIRATES NBD
Liv Millionaire Account
No monthly fee
Regular cash prize draws
No minimum balance
- Interest Rate
- Up to 4%
- Interest Payout
- Monthly
- Withdrawals
- Anytime
Liv Goal Account
A fee-free savings pot inside your Liv account, with no minimum balance. The rate depends entirely on your plan: nothing on Classic, 3.50% on Max.
Opened from inside the Liv app. You need a Liv Primary Account first.
Staff code
KREDIT
Liv asks for this on the Contact details screen when you open your account.
A Liv Goal Account is a savings pot inside your Liv account with no monthly fee and no minimum balance. What it pays is decided entirely by which plan you are on, and the gap is unusually wide: nothing at all on Classic, 3.5% on the Liv Max plan, and 4% on Max with your salary transferred to Liv.
The Classic rate was 0.5% until 28 February 2026 and has been zero since 1 March. A Goal Account on Classic is not a low-rate account; it is a non-paying one. The comparison that makes sense is between a Goal Account on Max and a fee-free savings account elsewhere.
Benefits
Plan-Based Interest Rate
3.50% a year on Liv Max, or 4% with a salary transfer
On balances up to AED 500,000. On the Classic plan the Goal Account has paid no interest since March 2026, so the plan choice is the rate decision.
Automatic Transfers
Set a recurring transfer into a goal and leave it alone
Goals can be funded on a schedule rather than manually, so the balance builds without you deciding each month. Interest is calculated daily and credited monthly, so a transfer starts earning from the day it lands.
Multiple Savings Goals
Split savings across separate goals, each with its own target
Balances across all your goals count together towards both the Goal Account rate tier and the AED 3,000 average balance that waives the Primary Account fee.
Instant Access, No Penalty
Move money to and from your Liv account with no notice period
No notice period and no withdrawal penalty. Interest is calculated on the balance held, so withdrawing reduces what you earn but costs nothing.
Rates
The published rate applies to the first AED 500,000. Above that, the portion earns 1% with a salary transfer or 0.5% without. For most balances this never binds, but it means the effective rate on a large balance is lower than the headline, and it is worth calculating if you are holding six figures.
4%
Max + salary
On balances up to AED 500,000. The portion above that earns 1.00% a year.
3.5%
Max
On balances up to AED 500,000. The portion above that earns 0.50% a year.
0%
Classic
The Classic plan paid 0.50% until 28 February 2026 and has paid nothing since 1 March 2026.
Fees
Balances across all your goals count together twice over: towards the Goal Account rate tier, and towards the AED 3,000 average balance that waives the Liv Primary Account fee. If you were holding AED 3,000 in your current account purely to avoid that fee, moving it into a goal keeps the waiver and starts earning on it, provided you are on Max.
Free
Monthly fee
The Goal Account itself carries no fee. The Primary Account it sits inside may.
Free
Withdrawals
No notice period and no penalty for moving money back to your Liv account.
39AED
Liv Max
Not a fee on this account, but the cost of the rate. Waived above a AED 30,000 average balance across all Liv accounts.
Eligibility
18
Minimum Age
UAE resident
Residency
An open Liv account
Goal Accounts are opened from inside an existing Liv Primary Account.
How to open
How to open a Liv Goal Account
1.Open or sign in to your Liv Primary Account in the Liv X app.
2.Go to the savings section and create a new Goal.
3.Name the goal and set a target amount and date.
4.Fund it from your Liv account, once or on a recurring transfer.
5.To earn a rate, subscribe to Liv Max — on Classic the goal pays nothing.
Documents
Good to know
Goal Account versus fixed deposit
The Goal Account stays accessible: there is no notice period and no penalty for withdrawing, and interest is calculated on whatever balance is actually there. Liv's Instant Interest Fixed Deposit pays 3.25% on Max, or 3.5% with a salary transfer, and locks the money for a set tenure.
On Max the Goal Account pays more than the deposit at both tiers, so the deposit only makes sense if you specifically want the money locked away. On Classic that reverses completely: the Goal Account pays nothing and the deposit pays 2.25%, which makes the deposit the only one of the two that pays at all.
Frequently asked questions
Get answers to common questions about the Liv Goal Account
Similar accounts
Savings
CurrentLIV DIGITAL BANK BY EMIRATES NBD
Liv Primary Account
Monthly fee: AED 25/month, waivable
Transfers: Quick Remittances
No minimum balance
SavingsEMIRATES ISLAMIC
Emirates Islamic e-Savings Account
No monthly fee
Profit rate: Up to 1.5% p.a., paid monthly
No minimum balance