Now Money vs Liv..
Now Money (N60/100) 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. Now Money leads Liv. 2-1.
| L Liv. №53 · CBUAE 59 /100 | N Now Money №52 · CBUAE 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 60 /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. CBUAE |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | 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 | 4.3 ★ iOS 4.4 · And 4.2 | 4.0 ★ iOS 4.0 · And 3.9 |
| 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 Now Money if…
Migrant-worker-focused EMI in the UAE. Built-in remittance to South Asia at competitive FX. CBUAE-supervised EMI; not a bank — funds are safeguarded, not deposit-insured. Fills the underbanked segment that Liv/Wio/Mashreq Neo don't directly serve.
- Best for fees Now Money won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Liv. won 1 of 2
Now Money vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than Now Money?
Under our v3 methodology, Now Money leads Liv. 2–1 across 12 dimensions. Composite scores: Liv. 59/100 vs Now Money 60/100. Now Money is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Liv. or Now Money cheaper?
Monthly fee — Liv.: €0; Now Money: €0. Card FX markup — Liv.: 1.50%; Now Money: Interbank. Now Money 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 Now Money?
Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Now Money holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Liv. and Now Money?
Liv. operates in 1 country; Now Money 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.