Liv Digital Bank by Emirates NBD

Liv Digital Bank by Emirates NBD is a digital bank that works differently. It's completely different.

It's not just a bank. This is a mobile application that contains dozens of services: financial, insurance, and investment. It's all on the phone. Everything is online. Liv is the first digital bank in the UAE, created not for show, but as a full—fledged alternative to classic banks. A real revolution in banking. Without branches. No paperwork involved. Without "come to the office."

How does it work?
Download the app. You're scanning the Emirates ID. You take video selfies. You confirm your identity through biometrics. And that's it. The account is open. Even if you are a non-resident.

Identification takes place through e-KYC, the data is verified automatically. No queues. No sour-looking employees. Just you and your smartphone. Fast, convenient and safe. KYC, AML, and digital identity are all in place.

What's inside? A lot of things:

current, savings, and investment accounts;

virtual and credit card;

transfers are instant, including international ones;

chatbot, 24/7 support;

cost control, widgets, notifications;

transaction analytics, embedded financial services, insurance.

Payments? Through a QR code. Or through a digital wallet. Or through a card. Or you don't think about it at all — you just pay, and that's it. Everything is working. Without failures. Without "try again later". Without "temporarily unavailable".

The interface is thought out to the smallest detail. UX is excellent. Not a single extra click. No load on the user. Only the right thing is where you expect it. The balance? In real time. Confirmation of the operation? By PIN code or one-time password.

Liv is not just about money. It's about control. About freedom. It's about choosing how to manage your finances. Not someone in the office with a sign saying "financial advisor."

A bank statement? In one click. Blocking the card? Instantly. Support? The bot answers, but it's smart. And if necessary, a person will connect.

And yes, up to 4% cashback — just for living your life. You're buying. You're paying. You use it. Everything is simple. Everything is Liv.