Does no minimum balance mean no fees at all?

For the accounts listed here, yes — there's no monthly fee tied to a balance threshold. Other fees (like card replacement or early closure) can still apply; check the account's fee schedule.

Will I still earn profit or interest without a minimum balance?

It depends on the account. Some tiered savings accounts pay profit from the very first dirham, with higher tiers unlocking higher rates as your balance grows.

UAE Accounts With No Minimum Balance (2026)

These accounts don't require you to maintain a minimum balance to avoid a fee. They're a fit if your balance fluctuates or you're just starting to save.

All Liv Emirates NBD Emirates Islamic Current Savings Salary transfer Islamic No minimum balance

Savings

LIV DIGITAL BANK BY EMIRATES NBD

Liv Goal Account

No monthly fee

Interest rate: Up to 4% p.a., paid monthly

No minimum balance

Explore Open account

Savings

LIV DIGITAL BANK BY EMIRATES NBD

Liv Lite

No monthly fee

Interest rate: 1% p.a., paid monthly

No minimum balance

Explore Open account

Savings

LIV DIGITAL BANK BY EMIRATES NBD

Liv Multicurrency Account

No monthly fee

Interest rate: Up to 2.75% p.a., paid monthly

No minimum balance

Explore Open account

Savings

LIV DIGITAL BANK BY EMIRATES NBD

Liv Millionaire Account

No monthly fee

Regular cash prize draws

No minimum balance

Explore Open account

Savings

EMIRATES ISLAMIC

Emirates Islamic e-Savings Account

No monthly fee

Profit rate: Up to 1.5% p.a., paid monthly

No minimum balance

Explore Open account

Frequently asked questions

Get answers to common questions about no minimum balance

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