Liv review

The monthly fee is AED 0, so holding the account is free. It is a debit card, which means purchases draw down the money in the account rather than a credit line. Cash withdrawals are covered separately, with an allowance of AED 0.

Free ATM withdrawals are set at AED 0 on this debit card, so everyday cash handling comes with the account. The same card also carries multi currency and crypto features, keeping cash, card spending and coin spending together, and the monthly fee stays at AED 0.

It is a debit card, so spending draws straight from the account balance. Debit is the most common type among the cards compared here, at 74.7%, with prepaid and virtual options a smaller share.

The account lists multi currency and crypto features, so multi-currency and crypto spending sit on one product instead of a separate exchange account. The card is a debit card from Emirates NBD Bank PJSC, which means the money behind coin spending is a bank balance.

The audience is kids, so the card is aimed at children and their families in the UAE rather than at adults opening a general account. The account is issued by Emirates NBD Bank PJSC under a Central Bank of the UAE licence, so the offer is built around the UAE market.

The account is with Emirates NBD Bank PJSC, a UAE bank, and the licence sits with the Central Bank of the UAE. The balance is held by the bank rather than in a wallet in your own name, and crypto spending runs from that same bank balance. The audience is kids.

Monthly fees are where the rivals match Liv. Monzo Flex lists a monthly fee of £0, Wise lists £0 and Bitpanda lists €0, against AED 0 here. What separates Liv is the kids audience and the crypto and multi-currency features.