Withdrawal fee
Free
No notice period and no penalty for moving money back to your Liv account.
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.
Liv asks for a staff code on the Contact details screen. Open account to get yours.
At a glance
Key facts
Interest Rate
Up to 4% interest
Interest Payout
paid monthly
Withdrawals
Anytime
Account access
No debit card included.
Open in the app.
An existing account with the bank is required.
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.
Who can open it
Minimum age18 years
ResidencyUAE resident
An open Liv accountGoal Accounts are opened from inside an existing Liv Primary Account.
Fees and balance
Balance requirements
- No minimum balance.
Account charges
No monthly fee.
Balances across all your goals count together twice over: towards the Goal Account rate tier, and towards the AED 3,000 minimum balance of the Liv Primary Account. If you were holding AED 3,000 in your current account purely to avoid its fall-below fee, moving it into a goal still counts and starts earning on it, provided you are on Max.
Liv Max subscription, if you take the higher rate
AED 39
Not a fee on this account, but the cost of the rate. Waived above a AED 30,000 average balance across all Liv accounts.
Interest and profit
Annual interest rate
Up to 4% / year
How interest works
PayoutMonthly
- The 4% tier needs a Liv Max subscription and a salary transfer, on balances up to AED 500,000. Max alone pays 3.50%; the Classic plan pays nothing.
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.
Benefits
Plan-Based Interest Rate
3.50% a year on Liv Max, or 4% with a salary transfer
Automatic Transfers
Set a recurring transfer into a goal and leave it alone
Multiple Savings Goals
Split savings across separate goals, each with its own target
Instant Access, No Penalty
Move money to and from your Liv account with no notice period
How to open
Open in the app.
An existing account with the bank is required.
Application steps
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.
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
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