Liv Silver Account

It holds silver instead of gold, and it is digital only — there is no option to take physical delivery. The fees, eligibility and withdrawal rules are the same, because both are covered by one Key Facts Statement.

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

Liv sells fractions rather than whole ounces. There is no minimum balance to keep the account open.

Nothing recurring — no maintenance fee, no transfer fee, no storage charge. Your cost is the spread between the buy and sell price when you trade.

No. There are no ATM withdrawals, and XAG cannot be transferred to anyone outside Liv, Emirates NBD or Emirates Islamic. Sell it back to AED first.

Yes, within five business days of opening, by telling the Bank inside that window.

No. The Silver Account is digital only. Gold can be converted to metal and delivered; silver cannot, and that is the main difference between the two products.

Because one document covers both. It is titled for XAU and XAG together, so the fees, eligibility and withdrawal rules are shared — it is not a broken link.

It moves more, and it is an industrial metal as well as a store of value, so its price also responds to manufacturing demand. The account holds whatever you buy and does nothing to manage that.

A conversion spread of approximately 0.75% on the trade amount, charged on both the buy and the sell. On a more volatile metal that matters more, because the price has to move further before you are ahead.

Liv sells fractions rather than whole ounces. There is no minimum balance to keep the account open.

No. Outward transfers of XAG outside Liv, Emirates NBD and Emirates Islamic are not permitted, and there are no ATM withdrawals. Sell back to dirhams first.