Liv Gold Account

0.001 XAU — a thousandth of a troy ounce, around AED 15 at recent rates. There is no minimum balance to keep the account open.

No. It holds gold rather than dirhams, so your return is whatever the gold price does. There is no rate, and no profit share either.

Nothing recurring. There is no maintenance, transfer or custody fee and no minimum balance. Your cost is the spread between the buy and sell price when you trade.

Yes. Choose a weight in the app and Liv arranges delivery of certified gold to your address. The Silver Account does not offer this.

No. There are no ATM withdrawals from a gold account, and you cannot transfer XAU to anyone outside Liv, Emirates NBD or Emirates Islamic. Sell it back to AED first.

Yes, within five business days of opening. Tell the Bank inside that window to cancel.

A conversion spread of approximately 0.75% on the trade amount, charged on both the buy and the sell. There are no fees on top of it, and your order confirmation in the app shows the exact figure.

No. There is no custody or vaulting fee, no maintenance fee and no minimum balance. Holding costs nothing; trading costs the spread.

No. Outward transfers of XAU are not permitted outside Liv, Emirates NBD and Emirates Islamic. You either sell back to dirhams or take physical delivery.

Choose a weight in the app and Liv arranges delivery of certified gold to your address. This is the main difference from the Silver Account, which is digital only.

No. There is no tiering — the terms are the same at 0.001 XAU as at any larger amount, and nothing about the product rewards a larger balance.

They answer different questions. Gold gives exposure to a metal price and pays nothing; a Goal Account pays a published rate with no price risk. Fee-free framing makes it easy to confuse the two.