Liv by Emirates NBD
Liv by Emirates NBD is a digital bank / neobank issued on Visa, rated 6.0/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Liv by Emirates NBD is the strongest fit for streaming and free issuance, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Liv by Emirates NBD · Digital Bank / Neobank |
| Official site | https://www.liv.me |
| Best for | Streaming · Free issuance |
| Network | Visa |
| Rating | 6.0/10 (3.0★, 498 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (first card); replacement AED 25 |
| Monthly / annual fee | AED 25/month (waivable; students under 24 exempt) |
| FX / conversion fee | 3.14% international transaction fee (+ Visa processing) |
Verification and risk
| KYC required | Yes |
| Risk level | Low |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Bank transfer | Yes |
Billing
| Billing country | United Arab Emirates |
Platform compatibility
| Netflix / Spotify | Yes |
What the issuer states on its own site
- Get up to 10% cashback as Tamayaz points on your Union Coop spends.
- Perfect for all lifestyles, with 2% cashback on fuel and dining and 3% on international spends.
- Multicurrency flexibility Manage up to 5 foreign currencies, instantly.
- Earn up to AED 1,500 cashback every month.
Source: https://www.liv.me.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 455496 | Visa | United Arab Emirates | Debit | 213 | 151 | 70.9% |
We logged 151 cleared charges out of 213 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Liv by Emirates NBD cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is AED 25/month (waivable; students under 24 exempt); conversion is priced at 3.14% international transaction fee (+ Visa processing). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Liv by Emirates NBD?
Liv by Emirates NBD asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Liv by Emirates NBD?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Liv by Emirates NBD need?
Setting it up: cards are issued against United Arab Emirates; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Liv by Emirates NBD work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Liv by Emirates NBD trigger 3-D Secure?
Yes. Liv by Emirates NBD supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.