Liv review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Liv suits UAE savers who want easy access to their money, regular interest and no monthly account fee. The Goal Account offers a variable headline rate of 4%, while its monthly fee is AED 0; savers prioritising a fixed rate may prefer another option.
Key facts
- Best for
- Easy-access savings with a variable rate and no monthly account fee.
- Headline rate
- 4%↗
- Rate type
- Variable↗
- Access terms
- On-demand savings with no fixed term; interest credited monthly on the daily available balance↗
- Monthly fee
- AED 0↗
- Account kind
- Easy access↗
- Legal entity
- Emirates NBD Bank (P.J.S.C)↗
- Headquarters
- United Arab Emirates↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- liv.me
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- The Goal Account has a variable headline rate of 4%.
- Interest is credited monthly on the daily available balance.
- The Goal Account follows a no-monthly-fee model.
- Support is available by phone, email and the help centre.
Cons
- The Goal Account rate is variable, so 4% may change.
- The Goal Account monthly fee is AED 0.
- Interest is credited monthly rather than added to the available balance daily.
Who it suits
- UAE residents seeking easy-access savings.
- Savers who want interest credited regularly without leaving the balance untouched.
- Customers who value phone, email and help-centre support.
Who should look elsewhere
- bunq if its listed headline rate of 3.01% better fits your saving goal.
- Wise if its listed headline rate of 3.29% is more suitable.
- Finteres if its headline-rate range of 0% to 36% offers a better fit.
Who runs it
Liv is provided by Emirates NBD Bank (P.J.S.C) and is based in United Arab Emirates. Customers can contact the bank by phone, email or through the help centre using phone, email and help centre. This gives easy-access savers several ways to get account support without relying on in-person assistance.
How Liv compares
Where Liv is available
- Available
- United Arab Emirates
- Licence in United Arab Emirates
- Central Bank of the UAE, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Liv Goal Account offer?+
The Goal Account has a headline rate of 4% and a variable rate structure. A variable rate can change, so the headline rate should be treated as the current advertised offer rather than a guaranteed long-term return.
Does the Liv Goal Account have a monthly fee?+
The Goal Account follows a no-monthly-fee model, and its monthly fee is AED 0. This makes the regular account charge easy to assess alongside the advertised headline rate of 4%.
Can I access my Liv savings on demand?+
The Goal Account is designed for easy access. Savings have no fixed term, so the balance is not tied to a fixed savings period, subject to the account terms and any applicable operational requirements.
When is interest credited by Liv?+
Interest is credited monthly on the daily available balance. The account therefore rewards keeping funds available while giving savers a regular interest-crediting cycle.
How can I contact Liv for support?+
Liv offers support through phone, email and help centre. Customers can use phone, email or the help centre, giving easy-access Goal Account customers several ways to seek help from the bank.
Who provides the Liv Goal Account?+
The account is provided by Emirates NBD Bank (P.J.S.C) in United Arab Emirates. Savers should assess the offer as a banking product from that legal entity rather than as a standalone investment account.
Sources
- liv.me/en/accounts/liv-goal-account checked September 26, 2026
Backs: Account kind, Headline rate
“Set and forget - Automatic transfers that need no intervention”
- liv.me/en/banking/interest-rate checked September 26, 2026
Backs: Access terms, Rate type
“Interest will be calculated on the daily available balance ... Interest will be credited to customer account monthly”
- liv.me/en/charges checked September 26, 2026
Backs: Headquarters, Legal entity, Pricing model, Monthly fee, Licences
“Emirates NBD Bank (P.J.S.C) is licensed by the Central Bank of the UAE.”
- liv.me/en/ways-of-banking/reach-us checked September 26, 2026
Backs: Support channels
“Our team is now available on call 24/7. Speak to us on 600521212 ... You can email us on connect@liv.me”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit, Deposit protection.