Mukuru vs Liv..
Mukuru (M63/100) 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. Mukuru leads Liv. 4-0.
| L Liv. №53 · CBUAE 59 /100 | M Mukuru №46 · FCA 63 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 63 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. CBUAE | E-money inst. FCA |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 7 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.5 ★ iOS 4.5 · And 4.6 |
| 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 Mukuru if…
Pan-African remittance + financial-services platform — operates across Southern Africa + UK. ~14M users. Mauritius FSC-licensed parent. Cash-out via 100K+ Mukuru agents — physical reach is the structural differentiator. The other half of the pan-African angle alongside Chipper Cash.
- Best for fees Mukuru won 1 of 4
- Best for protection Tied
- Best for reach Mukuru won 1 of 3
- Best for ux Mukuru won 1 of 2
Mukuru vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than Mukuru?
Under our v3 methodology, Mukuru leads Liv. 4–0 across 12 dimensions. Composite scores: Liv. 59/100 vs Mukuru 63/100. Mukuru is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Liv. or Mukuru cheaper?
Monthly fee — Liv.: €0; Mukuru: €0. Card FX markup — Liv.: 1.50%; Mukuru: Interbank. Mukuru 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 Mukuru?
Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Mukuru holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Liv. and Mukuru?
Liv. operates in 1 country; Mukuru operates in 7 countries. 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.