# Liv X - Mobile Banking App — user reviews > 244 indexed App Store user reviews of Liv X by Emirates NBD Bank P.J.S.C, rated 4.50/5 from 1,109 ratings. - Source: https://appshunter.io/ios/app/liv-x-mobile-banking-app/id6473088676/reviews - App overview in markdown: https://appshunter.io/ios/app/liv-x-mobile-banking-app/id6473088676.md - Rating breakdown: 5★ 904 · 4★ 63 · 3★ 29 · 2★ 19 · 1★ 94 ## What do users think of Liv X? Overall sentiment: negative **Pros** - 👍 Wonderful app with new interface - 👍 Easy to navigate - 👍 Good offers - 👍 Good support system **Cons** - 🐛 Infested with bugs - 🐛 Laggy and slow - 🤔 Complicated and delayed - 🤔 Difficult to navigate - 🤔 Lack of key functionality - 🤔 Forcing optional personal data uses - 🤔 Hard to find needed functions - 🤔 Worse UI than previous version - 🤔 Confusing interface - 🤔 Advertisements for new products - 🤔 Requires too many clicks to do tasks **Commonly reported bugs** - App crashes frequently - Account balance not showing correctly - Unable to top up or transfer funds - Young account setup not working - Login issues - App not working at all **Most requested features** - Bring back the old app - Allow switching back to old app - Improve customer service response time - Add top-up button - Improve account management features - Simplify the app design ## Newest reviews (13 of 244) ### 2/5 — Not organized *2026-06-21* I put my money on this app but accessing my money to make transactions but I can’t almost for a week am waiting for the atm card it’s not coming customer care and ITM agents are not helping everyone is saying something else now my money is there stuck **Developer response:** Dear Kandeman, we appreciate you sharing your experience with us. We recognize the importance of having access to your funds and receiving prompt assistance. Our team is ready to help you resolve these matters. Please reach out to us with more details about your situation via email at service@liv.me, and don't forget to include reference number LBA-01337 in your message. ### 1/5 — Useless application *2026-01-31, version 5.2.1* Application does not update the balance available or due amounts , truly useless , customer care lady does know about these, hopeless ### 1/5 — Very bad experience my money is held no one is replying *2026-01-08, version 5.1.0* Never ever use this bank i even updated my emirates id they are not releasing my money i tried chatting on whatsapp they never send notification to verify on app no one is helping worst bank ever!!!! ### 1/5 — Useless *2025-12-26* Can’t even get the account verified. As I was creating the account, the OTP email took over 10’ to arrive, while the app times out after 90 seconds. Now the app has locked me out for 24 hours. What a complete waste of time… **Developer response:** Hello Jason, thank you for taking the time to share your experience with the verification process. We strive to provide a seamless experience for our customers using the Mobile Banking App, and your feedback is truly appreciated. We invite you to reach out to us for more details about your situation. You can contact us via WhatsApp at +971600521212 or email us at service@liv.me. Please include reference number LBA-01222 to assist us in helping you more effectively. ### 1/5 — Fix your app *2025-12-23, version 5.1.0* Every time i try to transfer money to this app, it crashes. If i could rate this zero stars i would. ### 1/5 — Worst Experience Ever *2025-11-22* I opened my account when they were giving 2% interest on deposits. Over a period they changed their policy and stopped giving any interest. Further they started charging 25 aed per month as maintenance charges. This reason made us withdraw all our balance and we thought now the account will close automatically as it did not have any balance left. After a long period we realized that they had taken our balance to 600 aed negative even though it was a savings account and not a credit account. After multiple requests we had to pay the due balance to close the account. I cannot believe that this product is from Enbd. I don’t think they are short of money that they have to cheat people to collect money like this. **Developer response:** Hello Keshav, we never intended for you to have such an experience with us. Please call/WhatsApp us at +971600521212 or write to us on service@liv.me from your registered email ID and our team will respond to you immediately. Kindly mention this reference number LBA-01210 in the subject of your email. ### 1/5 — Bad *2025-10-31, version 4.8.0* Reject with no clear reason for the person holding uae residence ### 1/5 — Horrible Service *2025-10-30, version 4.8.0* The app reminded me to update my documents a month ago so I did. As i updated my documents it ket reminding me even when the app is already reflecting my updated documents in the profile tabs. So I reached out for support. The chats don’t hep at all! They repeat the same process which doesn’t work then claim to reach out when THEY DONT REACH OUT! So then they will just mention the 10 day time frame of processes, I have waited 3 WEEKS. The phone service is not any better as EVEN with an agent who is authorized to check my account they just give me a promise to REACH OUT SOON. It’s been a week since i talked to the agent. No emails, No messages and my request is still not fixed!!! HORRIBLE SERVICE AND CUSTOMER SERVICE ### 1/5 — Not user friendly *2025-10-26* This app is horrible, it’s so hard to find what you are looking for and customer service is impossible to reach if there even is any. **Developer response:** Hi Ariana, thank you for sharing your feedback about the challenges you've encountered with our Mobile Banking App. We prioritize delivering a user-friendly experience and are dedicated to enhancing our services. To assist us in understanding your concerns more thoroughly, please contact us via WhatsApp at +971600521212 or email us at service@liv.me, and kindly include reference number LBA-01199 in the subject line. Your insights are crucial for our development. ### 1/5 — Poor Service *2025-10-21, version 4.7.0* They will Close your account without even a single notice, suddenly all of my money that I am Saving for will be deducted to my account that I was so shocked I thought I am being scammed, I had to call the bank and they told me It’s for closure without even disclosing what’s the reason. I am so disappointed, I’ve been using liv since they are starting. ### 1/5 — Gogi bank *2025-10-09, version 4.6.0* I got missing amount of 3422.71 from my liv credit card. I have been complained almost 6 months. Poor customer team and no update nothing. Literally l lost my money. ### 1/5 — Not for Russians *2025-09-14, version 4.5.2* If you born in Russia, they will not open account ### 1/5 — The liv control my account *2025-07-22, version 4.2.0* My recurring deposit ends 20250 but now i didnt see anything ## Most critical reviews (10 lowest-rated) ### 1/5 — Disappointed *2026-07-24, version 6.2.0* I am extremely disappointed with LIV Bank. I have been trying to resolve a refund issue for almost a month, and it has been one of the most frustrating banking experiences I’ve ever had. There is no clear or reliable way to contact customer support. The app doesn’t provide the help I need, and every attempt to get assistance leads nowhere. When you have a problem that requires a real person, it feels impossible to get help. A bank should have accessible customer service, especially when customers are waiting for their own money. Being left without support for weeks is unacceptable. I expected much better. Unless LIV improves its customer support and gives customers a reliable way to reach them, I cannot recommend this bank to anyone. ### 1/5 — Worst customer service *2026-06-24, version 6.0.0* I wanna close my account and im not in uae … the what’s app number is not working no one answering and im not able to call i tried every way possible to contact with the bank without getting any assistance The app is super stupid ### 1/5 — Can’t activate Debit card *2026-05-19, version 5.8.1* I want to activate my debit card but I can’t,that app show me your product is not eligible for this service what’s wrong with my phone.If I can’t activate debit card how can I use this ### 1/5 — Terrible customer support *2026-04-07* 1st they say to wait 48 hrs for ongoing case for my refund and when I contacted them, there is no update yet and told me to come back on april 7th (today) And now again told me to wait another 48 hr Terrible support And I have to explain the agent again. I guess they do not have good CRM for previous chat history with customers Terrible support **Developer response:** Hello Minn, we appreciate your feedback regarding the refund process. We recognize the significance of receiving timely updates and having effective support. Our goal is to ensure our customers are satisfied with our services. Could you please share with us the service reference number you have through a private message at service@liv.me from your registered email ID? Kindly mention reference number LBA-01282 in the subject line so we can look into it immediately and resolve your issue. ### 1/5 — Useless and garbage app *2026-04-05, version 5.6.0* So the app’s most recent updates make it so it’s virtually impossible to use it. I still never forgot how much better the old app used to be but just when i finally got used to this app, you idiots made huge changes like removing the “add money” or the “pay card” fracture and I literally can’t even downgrade the app cause the app won’t function unless i get the newest version which sucks. I hope you people achieved what you wanted. ### 1/5 — Bring back the “add money” option *2026-04-05* For some reason the devs of this app removed the add money option which was the easiest method to transfer money from another account to my liv account. I called the number to ask them why and the agent told me they weren’t told why. It’s extremely infuriating watching this app get worse everyday and now they just completely made it borderline unusable. **Developer response:** Hi, we're currently performing maintenance to improve your experience, which will be completed by April 10th. We appreciate your patience and understanding during this period. If you have any further concerns, please contact us at service@liv.me including reference LBA-01282 in the subject line or via WhatsApp at +971600521212. ### 1/5 — Communication is difficult *2026-04-02, version 5.6.0* Terrible trying to communicate with a person ### 1/5 — Blocked by LIV from accessing my account! *2026-03-31, version 5.6.0* I am trying to re-activate this but constantly get eerie Message when taking a selfie in this app = I cannot use Smart pass = cannot upload my new passport & cannot update my mobile to the permanent U.K. one = the link to WhatsApp is equally useless as will only accept my former/temporary UAE mobile which expired a few months after I opened this account in Nov 2023! Doesn’t LIV’s owner know how to deal with overseas entities on such administration…!???! ### 1/5 — Bad support and usless app *2026-03-15* App is not usefull , it never shows actual outstanding even after payment no updation. Many of payments doesn’t get points , customer dont have proper answer . Disappointed **Developer response:** Hello Suraj, thank you for taking the time to share your experience regarding the balance update issues in the Mobile Banking App. It's essential for us to provide our customers with accurate and timely information. Your feedback is important for us in helping improve our services. Please feel free to contact us via WhatsApp at +971600521212 or email us at service@liv.me and mention reference number LBA-01238 in your message. With regards to earning points while using the card, please note that you will receive cashback up to 4% on all your purchases, depending on your card type and monthly spends. For low merchant categories, you will earn up to 0.1% cashback. Below transactions will be excluded when your cashback is calculated: - Payments made on the credit card via the Liv app (e.g., bill payments) - Instalment plan repayments (e.g., EMI’s) - Payments made towards the credit card outstanding - ATM withdrawals from the credit card For further information on earning cashback points, you may also visit the LivX Website. ### 1/5 — No bank statement *2026-02-08, version 5.3.0* I have been following the bank for 2 months to get my bank statement, it’s only good for people who only need card to make a payment. Their service is unprofessional and slow. ## Most praised reviews (10 highest-rated) ### 5/5 — Liv app is the best *2026-05-11, version 5.8.1* Liv app user friendly is so nice. ### 5/5 — Great Service *2026-04-18, version 5.7.0* Excellent packaging ### 5/5 — I’m feeling better *2026-03-05* I’m Very Happy for your support **Developer response:** Hello Omidahmadzai, we are thrilled to learn that you are very satisfied with the support you have received. Our commitment is to offer our customers the best possible experience through our Mobile Banking App, and your encouraging feedback strengthens our dedication. We appreciate you taking the time to share your thoughts with us, and we look forward to continuing to provide you with excellent service. ### 5/5 — Nice *2026-02-24, version 5.4.1* Thx 😘 ### 5/5 — Transfer *2025-10-04, version 4.6.0* Money ### 5/5 — Happy with Liv account *2025-08-31, version 4.5.1* Happy with the services offered by my Liv account. I can transact, get USD account , create goal savings account and easily contact the bank from the app whenever I have extra queries or just need information on certain services. ### 5/5 — Amazing app *2025-07-21, version 4.2.0* Loved the gold buying experience ### 5/5 — Fake - Worst service *2025-04-14, version 3.7.1* I applied for a loan with Liv Bank back in February, and since then, it’s been an absolute nightmare. From day one, the salesperson fed me fake promises—quick approval, fast disbursement, smooth process. None of it was true. It’s now been months, and the loan is still “under process” with no real updates, no transparency, and clearly no internal resources to actually get things done. Every time I follow up, I get the same copy-paste excuses. No one takes ownership, and accountability is non-existent. This level of incompetence and dishonesty is shocking for a bank that markets itself as modern . If you can’t deliver on your basic commitments, stop misleading customers. I’ve lost time, patience, and trust. Avoid Liv Bank -Liv user since 2018 ### 5/5 — Good App *2025-02-28, version 3.5.2* Very user friendly app ### 5/5 — Perfect Banking! *2025-02-27, version 3.5.2* 5🌟 for everything! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*