Found vs Liv..
Found (F69/100) 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. Found leads Liv. 4-0.
| F Found №39 · FDIC 69 /100 | L Liv. №53 · CBUAE 59 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 59 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | E-money inst. CBUAE |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.3 ★ iOS 4.4 · And 4.2 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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.
- Best for fees Found won 1 of 4
- Best for protection Found won 1 of 2
- Best for reach Tied
- Best for ux Found won 1 of 2
Found vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Liv.?
Under our v3 methodology, Found leads Liv. 4–0 across 12 dimensions. Composite scores: Found 69/100 vs Liv. 59/100. Found is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Found or Liv. cheaper?
Monthly fee — Found: €0; Liv.: €0. Card FX markup — Found: 1.00%; Liv.: 1.50%. Found 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, Found or Liv.?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Found is the stronger pick on regulatory protection.
Where can I use Found and Liv.?
Found operates in 1 country; Liv. 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.