United Arab Emirates
Mashreq NEO
Mashreqbank PSC digital brand. CBUAE. Not a separate digital-bank licence. Not Liv.
4.8
7.3Solid
activeNeobankBusiness banking
- HQ
- Dubai
- Fee
- Digital SKUs including NEO BIZ — confirm live
Liv
Emirates NBD digital brand. CBUAE. AED 25/mo unless waived. Not a separate digital-bank licence.
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7.1Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Liv is not a bank. Your money sits with Emirates NBD Bank PJSC.
If it fails?
UAE bank-deposit protection follows Emirates NBD as a CBUAE licensed bank. Liv is a brand — shared with other ENBD deposits. Confirm the live scheme copy.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
AED 0 if salary ≥ AED 5,000 or spend/balance waivers; else AED 25/mo
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.1
/10 · Solid
Liv is Emirates NBD’s digital brand, launched 2017. CBUAE. The deposit sits at Emirates NBD Bank PJSC. Account maintenance is free with salary of AED 5,000+, card spend of AED 2,500, or average balance of AED 3,000 — else AED 25 a month on the published 2026 schedule. Mashreq NEO is another incumbent skin. Wio is a separate digital bank. Read the parent.
What it is
Dubai. liv.me. Directories call it the UAE’s first digital bank. It is a brand of a listed bank. The fee PDF is more adult than the lifestyle ads.
Best for: UAE residents who want Emirates NBD in a black app and can hit a waiver.
Last checked 2026-08-30. Not advice.
What it does well
- +Named CBUAE bank behind the brand
- +ENBD ATM network
- +Honest fee schedule
- +Not Mashreq NEO
What to watch
- −AED 25/mo if waivers fail
- −UAE-resident
- −Shared cap with Emirates NBD
- −Not Wio’s separate digital-bank class
Who holds the money
The account
- Partner bank
- Emirates NBD Bank PJSC
How money actually moves
- Who holds the cash
- EMI safeguarded funds
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Liv lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
UAE bank-deposit protection follows Emirates NBD as a CBUAE licensed bank. Liv is a brand — shared with other ENBD deposits. Confirm the live scheme copy.
Who holds the money: Emirates NBD Bank PJSC
- Central Bank of the UAEDigital brand of Emirates NBD Bank PJSC. Not a separate CBUAE digital-bank licence · United Arab Emirates
Fees
- Monthly
- AED 0 if salary ≥ AED 5,000 or spend/balance waivers; else AED 25/mo
- FX markup
- Bank tariff
- ATM
- ENBD ATMs free; others charged
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- AED digital current
- ENBD ATMs
- Salary-waiver fee
- CBUAE via Emirates NBD
- Lifestyle SKUs
Score
- Safety25%
- 8.2
- Fees20%
- 6.6
- Features15%
- 7.4
- App15%
- 8.0
- Global15%
- 5.0
- Support10%
- 6.8
Change log
Full logFees
AED 25/mo unless salary / spend / balance waiver
Emirates NBD brand. CBUAE. Not a separate digital-bank licence.
Available in
Straight answers
FAQ
01Is Liv a bank?
Liv is not a licensed deposit-taker in the classic sense. Money, if any, sits with Emirates NBD Bank PJSC.
02How is money protected?
UAE bank-deposit protection follows Emirates NBD as a CBUAE licensed bank. Liv is a brand — shared with other ENBD deposits. Confirm the live scheme copy.
03Where is Liv available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Liv.
04Card and wallets?
Liv lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Liv remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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