Meem vs Liv..
Meem (M74/100) and Liv. (L59/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Meem leads Liv. 4-2.
| L Liv. №53 · CBUAE 59 /100 | M Meem №24 · SAMA 74 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 74 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. CBUAE | Full bank SAMA |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
- Best for fees Liv. won 1 of 4
- Best for protection Meem won 2 of 2
- Best for reach Meem won 1 of 3
- Best for ux Liv. won 1 of 2
Meem vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than Meem?
Under our v3 methodology, Meem leads Liv. 4–2 across 12 dimensions. Composite scores: Liv. 59/100 vs Meem 74/100. Meem is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Liv. or Meem cheaper?
Monthly fee — Liv.: €0; Meem: €0. Card FX markup — Liv.: 1.50%; Meem: 2.00%. Liv. wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Liv. or Meem?
Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Meem is the stronger pick on regulatory protection.
Where can I use Liv. and Meem?
Liv. operates in 1 country; Meem operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.