SoFi vs Liv..
SoFi (S79/100) 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. SoFi leads Liv. 7-0.
| L Liv. №53 · CBUAE 59 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 79 /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 | Full bank OCC |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.7 ★ iOS 4.8 · 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 SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 1 of 4
- Best for protection SoFi won 2 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than SoFi?
Under our v3 methodology, SoFi leads Liv. 7–0 across 12 dimensions. Composite scores: Liv. 59/100 vs SoFi 79/100. SoFi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Liv. or SoFi cheaper?
Monthly fee — Liv.: €0; SoFi: €0. Card FX markup — Liv.: 1.50%; SoFi: Interbank. SoFi 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 SoFi?
Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. SoFi is the stronger pick on regulatory protection.
Where can I use Liv. and SoFi?
Liv. operates in 1 country; SoFi 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.