Comparison

Liv X vs HAL Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Liv X

Manage your finances with a secure and convenient digital banking experience. Open accounts instantly, track spending, pay bills, and access exclusive rewards and offers. This app offers a comprehensive suite of tools for everyday banking and financial growth.

Highlights
  • Paperless account opening
  • Secure multi-layered verification
  • Budget tracking and spending dashboard
  • Automated savings goals
  • Credit card management
  • Bill payments
  • Free local and international transfers
Features
Read full description

Liv X - Mobile Banking App, powered by Emirates NBD. Step up to a bespoke digital banking experience with Liv Digital Bank's new and improved app. The Liv X - Mobile Banking App offers you the fastest, safest, and most convenient way of banking on the go. Easy to download and use, this state-of-the-art app serves as the ultimate tool for managing your finances. Open an account in just a few minutes with zero paperwork. Log in and bank securely through a multi-layered verification system. Navigate seamlessly between products, simplify and streamline your finances, and manage your everyday banking activities effortlessly. Grow your money with a range of lucrative offerings like Millionaire Account, Instant Interest Fixed Deposits, Gold Account, UAE Equities, IPOs, and more. Automate savings for life’s biggest milestones using the Goal Account. Or apply for a Personal Loan to fulfil them at the best interest rates. Enable your kids and dependents financially with the Liv Lite app. Featuring a digital wallet with a personal Debit Card facility, this app allows them to have their own bank account which can be controlled and managed by the Liv X app. Discover unbeatable cashback and rewards with our Credit Cards. Avail premium benefits with a Liv Credit Card such as Balance Transfer, Installment Payment Plan at Point of Sale (PoS), and Loan on Card. Choose from a host of lifestyle offers and deals from 2000+ merchants across dining, shopping, entertainment, fitness and more. The Liv X app offers trust and innovation combined to serve as your one-stop-shop for all things banking and more. All through a user-friendly design for a fast, secure, and exceptional digital banking experience. Key features include: ▪ Paperless & instant: Open an account in just a few minutes from the app with your Emirates ID and passport only. No paperwork required at all. ▪ Secure banking: Transact and manage your money securely through a multi-layered validation system. ▪ Money management: Add money to your account via any (UAE) debit card or through bank transfers. Track budgets, income and spends through the dashboard at a glance. ▪ Real-time alerts: Stay updated through personalized notifications. Get transactional updates as well as the latest offers across products and value-added services. ▪ Quick & easy bill payment: Pay utility bills in just a few taps. Choose from a list of service providers like Du, Etisalat, DEWA, Nol, Salik, and many more. ▪ Card management: Ensure the utmost safety of your card in a hassle-free way. Activate, lock, and unlock your Liv cards at the click of a button. ▪ Free local & international transfers: Make quick and easy transfers to any UAE bank using just their IBAN numbers. Transfer funds internationally using DirectRemit (across Egypt, India, Pakistan, Sri Lanka, Philippines, and United Kingdom). ▪ Exclusive services: Transfer money within UAE in a flash using AANI Pay with just the recipient’s mobile number. Generate validated e-statements directly from the app. ▪ Lifestyle benefits: Access the best deals across top entertainment destinations. Or participate in our biggest draws and investment opportunities such as IPO. ▪ Grow your wealth: Tap into the stability and security of Digital Gold or trade effortlessly in UAE Equities from the comfort of your home. ▪ Prompt support: Connect for assistance easily via Call or WhatsApp on 600521212. Get onboard the new Liv X - Mobile Banking App today to enjoy the many benefits and features that it has to offer. Upgrade to a brand-new digital banking experience. Liv Ahead, Bank Ahead. Elevate your banking experience today. Download the Liv X - Mobile Banking App, powered by Emirates NBD, and take control of your finances! Terms and conditions apply.

About

HAL Pay

Features
Read full description

Your Children's School Fee Payments Made Easy. https://www.youtube.com/watch?v=U_o9m-Ps7QI

Screenshots

Liv X4 screens
HAL Pay4 screens

Verdict

The call

The clearest difference is update cadence: Liv X at every 10 days against HAL Pay's monthly. HAL Pay's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Liv X ships an update every 10 days, HAL Pay monthly. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.

Scorecard2 real differences · 8 level
Liv X versus HAL Pay: the parameters behind the verdict, then further details
ParameterLiv XHAL Pay
PriceFreeFree
Rating4.5 (1.1K ratings) — better—
Positive reviews17.5% of reviews—
Number of ratings1.1K — better—
Update frequencyEvery 10 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.6 — better
Further details — not scored
Size655 MB37 MB
Age rating4+4+
DeveloperEmirates NBD Bank P.J.S.CHALSIMPLIFY SOLUTIONS PRIVATE LIMITED

Bugs and requests

Liv X

Reported bugs

6 issues
  • App crashes frequently
  • Account balance not showing correctly
  • Unable to top up or transfer funds
  • Young account setup not working
  • Login issues
Show 1 more
  • App not working at all

Requested features

6 requests
  • Bring back the old app
  • Allow switching back to old app
  • Improve customer service response time
  • Add top-up button
  • Improve account management features
Show 1 more
  • Simplify the app design

HAL Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Liv X

No in-app purchases

None

HAL Pay

No in-app purchases

Questions

Is Liv X free?
Liv X is free to download, with no in-app purchases.
Is HAL Pay free?
HAL Pay is free to download, with no in-app purchases.
Do Liv X or HAL Pay have ads?
Neither Liv X nor HAL Pay shows ads.
Which is updated more often, Liv X or HAL Pay?
Liv X ships an update every 10 days, and HAL Pay monthly. Most recently, Liv X was updated on October 31, 2026 and HAL Pay on October 30, 2026.

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