Liv Bank 4+

Digital Lifestyle Bank

Emirates NBD Bank P.J.S.C

    • Free

iPhone Screenshots


Looking for the best digital banking app in Dubai, UAE? 
This is your one-stop-shop for all things banking and more. Simplify and streamline your finances and make your money work hard for you, all from the ease and accessibility of the Liv mobile banking app.  
If you don’t know us yet, here’s a quick peek at who we are and what we do:  
We are UAE’s first digital bank and we’re here to redefine the way you experience online banking.  
From opening a bank account in minutes with #nopaperwork to saving and growing your money smartly, the Liv Bank app is designed to empower your financial journey, end to end.  
Think of it as your trusted banking assistant.  
Looking for an avenue to grow your savings? Upgrade to our Bonus Multiplier Account or avail excellent returns on our Fixed Deposit.  
Save for your biggest milestones in life using our Goal Account or apply for a Personal Loan to fulfil them at the best interest rates.  
Discover unbeatable reward programs with our flexible Credit Cards and do more of what you love. These are just a few of the many things you can do for and with your money using the Liv app.  

Key features: 
* Open an account in an instant from the app with just your Emirates ID and passport. It’s as simple as that. 
* Track your spends at a glance. Our insights feature in the app allows you to see where you are spending and how frequently. 
* Prompt notifications update you about your transactions and the latest offers across products and value-added services. 
* Add money to your Liv account by simply scanning any (UAE) debit card or through a quick and easy bank transfer. 
* Pay utility bills in just a few taps by choosing from a list of service providers like Du, Etisalat, DEWA, Nol, Salik, etc. 
* Send money to or share bills with your friends and family using social channels via our Social Pay feature.  
* Make quick and easy transfers to any UAE bank using just their IBAN numbers or internationally using DirectRemit (across India, Pakistan, Sri Lanka, Philippines, and United Kingdom). 
* Lock, and unlock your Liv cards with just a tap on the app. 
* Access the best deals across top recreational destinations in Dubai or participate in our biggest draws or investment opportunities. 

That’s not all; we’re constantly working on improving our usability and adding new features, so we’d love to hear from you. Help us spot bugs so we can fix them at the earliest and let us know what else you’d like to see on the Liv app. Let’s create the best digital banking experience for you!  

What’s New

Version 5.6.0

Liv is back with a whole new product - the Livionaire account. You dream, we fund. It's your ticket to winning 1M AED or to double your Livionaire balance. How do you enroll? Simple, just add new funds into your Livionaire account. Every AED 5,000 is an entry. No hidden charges. No fees to enter the lucky draw.
Update now for locking in your entries for the draw and for a smoother app experience #DigitalBanking #UserExperience #BankingMadeEasy #livahead

Ratings and Reviews

4.0 out of 5
11.5K Ratings

11.5K Ratings

Kieu Ha Hai Nguyen ,

Best customer service!

I encountered the problem of not being able to activate my card. It was frustrating at first, I even went to a branch of Emirates NBD bank for clarification but was then informed that they didn’t handle Liv problems. I chatted with Liv chatbot and received a reply in 30 minutes. However, the next day I received a call from the worker I talked with at the bank, saying that I would receive another call from Liv about my problem. Then the very next day I did and my card was successfully activated with no hassle!
Since Liv is new and surely requires lots of improvement, I think we should be more understanding and patient with their situation, taking into consideration that they are also doing their best to help us.

ajoel95 ,

Worst customer service ever in the whole world

Been using this account since 2018. It’s all fine until you need a “stamped bank statement.” The basics of basic! I requested two different dates. Instead, I received two copies of the same date! I got charged for two different dates though. When tried to report, there is no way you could file a complaint. No bank, no customer service, nothing. More than 1 week behind this issue with request via email and chatbot been sent every single day. And they finally accepted the mistake. But when asked for the solution to fix this issue, they need more than a month’s time! A mistake from their side and I have to bear the consequences?! The worst bank ever. I started a similar account with ADCB Hayyak, zero balance account. And guess what? They have actual approachable bank and people! They give you credit card and cheque if you got good ratings. Overall, ADCB is thousand times better than this Liv. I hope anyone trying to start this account, rethink and make the right decision since both are free accounts, ADCB Hayyak has more class and better products than Liv.

You can thank me later. Cheers. And by the way, I am still waiting for the solution for my issue. I will be updating this review once I get the right stamped statement this time. I really hope so.

Developer Response ,

We're very happy to hear that. Thanks for the review and rating! Stay tuned for more great features and services coming your way with the Liv. app :)

kiko9999999 ,


I opened this account through my university in 2018. They lured me in with their no min balance and no maintenance charges. All these years I was never charged anything and never had to keep a min balance. But recently when I opened the app, I noticed something called “Price Plan”. I didn’t meet any of their salary transfer or spending conditions. Forget meet, I didn’t even know about this. When I approached their incompetent chat service to clarify , they said if I don’t want to be charged for June I should meet all the requirements. How will I meet? Can they give me a job in this useless economy? They sent a billion irrelevant emails throughout these two years but didn’t even inform ONCE that the price plan had changed and how it would affect students who had opened the account in 2018, graduated with no jobs and were in no way obliged to open the Liv app everyday to check for updates. There is a reason we give you our emails- to inform important changes. Apparently the service was free till I was 23. But even after I turned 24, they never brought up the price plan. Now when I interned to close my account, they have suddenly woken up about THEIR price plan, (when I REMINDED them of it)and want to charge me for June. As a customer, I and all my friends who opened this account together have full right to file for malpractice. Not cool Liv, not cool.

Developer Response ,

We hear you and we're sorry for the trouble you've faced. Your feedback is valuable to us and we are sure that it will only help us improve further.

App Privacy

The developer, Emirates NBD Bank P.J.S.C, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data
  • Other Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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