Finatune
← MENA and Emerging Markets AI

Emirates NBD Liv. AI

Emirates NBD

The lifestyle digital bank for the UAE

bank-embeddedbank-included
iOSAndroidEmbedded
Visit Emirates NBD Liv. AI

Quick Answer

Liv. by Emirates NBD is the UAE leading lifestyle digital bank for millennials with AI money management savings goals bill splitting and lifestyle rewards. Free account with no monthly fees for UAE residents.

What It Does

Liv. AI helps users manage their daily banking through a conversational interface, tracks spending by category and merchant, enables bill splitting with friends through the app, manages savings goals with AI-powered progress tracking, delivers personalized cashback offers at UAE lifestyle merchants, provides spending insights and monthly summaries, sends smart notifications for unusual spending, manages international transfers, and guides users through financial goals relevant to UAE residents including saving for travel and major purchases.

What It Cannot Do

Liv. is designed for UAE residents only and requires UAE residency documentation. The platform focuses on personal lifestyle banking rather than complex financial products like mortgages or investments. Some Emirates NBD products require the main banking app rather than Liv. Cryptocurrency and investment features are limited.

Who Is It For

UAE-resident millennials and Gen Z who want a modern digital banking experience tailored to the UAE lifestyle with AI-powered money management and lifestyle rewards. Particularly suitable for expats newly arrived in the UAE who want quick account opening.

About Emirates NBD Liv. AI

Liv. is Emirates NBD's digital-only bank designed specifically for millennials and Gen Z in the UAE. Unlike the main Emirates NBD app which serves the bank's broader retail customer base, Liv. is built as a lifestyle banking platform with features designed around the way young UAE residents live and spend. Its AI assistant helps users manage their finances in a conversational way, set and track savings goals, split bills with friends, discover cashback offers at lifestyle merchants, and manage their daily banking needs. Liv. has been one of the most successful digital bank launches in the MENA region and has attracted hundreds of thousands of customers.

Pricing and Access

bank-included
Free with Liv. account — no monthly fees

No monthly account fees. Standard transaction fees may apply for some services. International transfer fees apply. Available to UAE residents only.

Platforms

✗Web
✓iOS
✓Android
✗Desktop
✓Embedded
✗API

How AI Works

Hybrid

Founded

2017

Headquarters

Dubai, UAE

Related Chatbots

FAB AI Assistant

First Abu Dhabi Bank's AI assistant is integrated across FAB's digital banking platform providing bilingual Arabic and English account management financial insights and banking services for retail and corporate customers across the UAE and MENA.

bank-embedded
ADIB AI Assistant

Abu Dhabi Islamic Bank's AI assistant provides Sharia-compliant digital banking services in Arabic and English helping customers manage accounts financing products and Islamic investment solutions through AI-powered digital channels.

bank-embedded

Related Resources