How the Liv referral program works
Liv, the digital bank by Emirates NBD, ran its referral offer as a dated campaign rather than an evergreen programme: AED 50 each side, with a parallel AED 100 variant, capped at 20 referrals. The campaign period ended on 21 October 2025 and no successor has been published, so there is currently no live offer to join.
What the program pays
What makes this program different
Each side rewarded for the behaviour the bank actually needs from them. The referrer's AED 50 triggered once the friend's AED 3,000 deposit landed within 30 days, but the friend's own AED 50 also required holding an AED 3,000 average balance for the following calendar month. The referrer was paid for acquisition, the friend for retention, and neither could collect on a hollow account.
Why it works
Splitting the qualification, deposit for the referrer and sustained balance for the friend, aligns each reward with what that person controls.
A dated campaign window lets the bank test a reward level and walk away without discontinuing a permanent promise.
Publishing two parallel variants at AED 50 and AED 100 let Liv price-test referral value inside one campaign.
A cap stated in both referral count and total dirhams makes the maximum exposure explicit.
What to copy
- If you want to experiment with referral pricing, run dated campaigns instead of editing an evergreen programme.
- Qualify the friend's reward on retention, not just the deposit, when your economics depend on balances that stay.
- Publish the campaign end date up front; it converts an awkward closure into an expected one.
- These are the terms of the 2025 campaign, which closed on its published end date of 21 October 2025. The terms pages remain live, but no 2026 campaign has been published, so the figures describe a closed offer, not one you can join today.
Liv referrals, answered
Does Liv still run a referral programme?
Not at the time of verification. The 2025 campaign ended on 21 October 2025 and Liv has published no successor campaign since.
What did the Liv referral campaign pay?
AED 50 to each side in the standard variant, and AED 100 in a parallel bonus variant, capped at 20 successful referrals per campaign.
How did a friend qualify under Liv's campaign?
By opening a first Liv account with the invite code during the campaign period, depositing AED 3,000 within 30 days, and, for their own reward, keeping an AED 3,000 average balance through the following calendar month.
Liv is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Liv. All terms described here are taken from Liv’s own published materials as at 8 September 2026 and may have changed since. Trade marks are the property of their respective owners.
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