1. Accounts
How do I open an account?
You can open a current or savings account online in a few minutes. Visit Online Banking, select "Register", and complete the identity verification steps. No minimum balance is required.
Is there a monthly maintenance fee?
No. Livo Bank current and savings accounts have no monthly maintenance fee and no minimum balance requirement for personal accounts.
How do I receive my account statement?
Monthly statements are available inside Online Banking under "Statements". You can also download PDF or CSV copies, or request a certified balance letter at any branch.
2. Cards
How do I apply for a credit or debit card?
Log in to Online Banking, go to "Cards", and request a card for any of your accounts. Debit cards are delivered within 5 business days.
My card was lost or stolen. What do I do?
Lock your card instantly in Online Banking under "Cards" — the lock prevents any new transactions. Then call us on 800 124 0000 to report it and arrange a replacement.
How do I control my card for online purchases?
Use "Card Controls" in Online Banking to switch online, ATM, international, and contactless usage on or off, and to set daily and international limits.
3. Digital Banking
Is Online Banking free?
Yes. Online Banking and the Livo Bank mobile app are completely free to use for all personal customers.
How do I change my notification preferences?
In Online Banking, click the notification preferences icon (next to the bell) to choose which channels you receive alerts through — email, SMS, or in-app — and which events you want to hear about.
How do I change my password?
Log in to Online Banking and use "Change Password" under your profile. If you have forgotten your password, use the "Forgot Password" link on the login page.
4. Transfers & Payments
How do I send an international transfer?
In Online Banking, open "Transfer Money" and switch to the "International" tab. Enter the beneficiary's name, IBAN, SWIFT/BIC code and country, choose the currency, and the exchange rate and SAR amount are shown before you confirm.
How long does an international transfer take?
Most SWIFT transfers are delivered within 1–3 business days, depending on the destination bank and corridor.
What fees apply to international transfers?
A standard international SWIFT transfer costs SAR 25; priority transfers are SAR 50. See the Fee Schedule for details.
5. Security & Fraud
How does Livo Bank protect my money?
We use bank-grade encryption, biometric authentication, real-time fraud monitoring, and card controls you manage yourself. We are fully licensed and under pending regulatory oversight.
I received a suspicious email or SMS. What should I do?
Livo Bank will never ask for your PIN, full card number, or OTP by phone, email, or SMS. Never share them. Report any suspicious message to us on 800 124 0000 and delete it.
Why did I receive a login alert?
Livo Bank sends you an email/SMS whenever your account is signed in from a new device. If it wasn't you, lock your account and contact us immediately.
6. Loans & Finance
How do I apply for home, auto, or personal finance?
Log in to Online Banking, go to "Finance", and submit an application. You will receive a decision in your notifications — typically within minutes for demo applications.
Where can I see current profit rates?
Profit rates for all finance products are published on the Personal Banking pages and in the Admin portal under "Profit Rates".
7. Fees & Charges
Where can I find the full list of fees?
The complete fee schedule — accounts, cards, transfers, cheques and more — is published on the Fee Schedule page in line with SAMA transparency requirements.