Can I Buy Bitcoin with Emirates NBD?

Yes, Emirates NBD customers can buy Bitcoin, and other cryptocurrencies through the Liv X app, powered by Aquanow ME FZE, a VARA-regulated crypto provider with custody by Zodia Custody.

However, Liv X is a limited and higher-cost option compared to licensed crypto exchanges in the UAE. The app supports only a few major coins, such as Bitcoin, Ethereum, Tether (USDT) and Solana with a trading fee of 2%, which is higher than the 0.1% to 0.5% typically charged by platforms.

While convenient for Emirates NBD customers, it remains less competitive for active investors seeking lower fees and a wider asset range.

How to Buy Crypto with Emirates NBD

The best alternative to Liv X for Emirates NBD customers is Rain, a UAE-based exchange regulated by the FSRA. Rain offers access to over 70 cryptocurrencies, low fees starting at 0.1%, and AED deposits through bank transfers, cards, Apple Pay, Google Pay, and Fawri+.

Its platform suits both new and experienced traders, with Rain Pro offering advanced tools and an OTC desk for large institutional trades. Rain provides lower costs, stronger functionality, and broader asset access than Emirates NBD’s Liv X app.

How to buy crypto on Rain with an Emirates NBD account:

1. Create an Account: Sign up on Rain’s website or app and complete KYC verification.
2. Deposit Funds: Add AED using your preferred payment method such as bank transfer or Apple Pay from your Emirates NBD account.
3. Select an Asset: Choose from more than 70 supported cryptocurrencies.
4. Buy Crypto: Enter the amount, review the order, and confirm your purchase.

Fees and Deposit Limits for Emirates NBD Customers

Before trading crypto, Emirates NBD customers should compare the costs between the Liv X app and regulated exchanges such as Rain. Below is a breakdown of Rain’s current fee structure:

• Deposits: AED transfers from Emirates NBD accounts are free. Credit and debit card deposits may include minor fees based on the card provider.
• Withdrawals: AED withdrawals to Emirates NBD accounts are also free through bank transfer. International transfers may incur additional costs depending on the currency and destination.
• Limits: Verified accounts can deposit and withdraw up to AED 1 million per day, with institutional tiers offering higher limits.
• Trading: Rain applies maker fees starting at 0.1% and taker fees at 0.25%, keeping costs among the lowest in the region.

By comparison, Emirates NBD’s Liv X app charges around 2% plus VAT per trade and supports only a limited selection of coins. For active investors, Rain provides a significantly more cost-efficient and flexible option.

Emirates NBD Cryptocurrency Policy

Emirates NBD permits customers to trade crypto through the Liv X app under the Dubai Virtual Assets Regulatory Authority (VARA) framework. The service operates with licensed partners Aquanow ME FZE and Zodia Custody, ensuring regulatory compliance.

Trading is limited to a small group of major cryptocurrencies, with no support for staking, on-chain transfers, or decentralized apps. This makes Liv X a regulated investment product rather than a gateway to broader blockchain use.

Emirates NBD’s policy reflects a bank-led approach focused on oversight and investor protection. 

Alternative Crypto Exchanges for Emirates NBD Customers

Emirates NBD customers seeking alternatives to Liv X or Rain can use UAE-regulated exchanges offering broader asset access and secure AED deposits.

• Bybit: Supports over 2,000 cryptocurrencies with spot and derivatives trading up to 200x leverage. Fees start at 0.1%, with tools like Copy Trading and automated bots. Accepts AED via Apple Pay, Google Pay, bank transfers, and cards. Licensed with In-Principle Approval from the UAE Securities and Commodities Authority.
• OKX: Licensed by VARA, OKX lists 350+ assets and integrates DeFi and Web3 tools. Maker fees start at 0.08% and taker fees at 0.1%. Users can stake, lend, and swap instantly with AED deposits through bank transfers, Apple Pay, and cards.
• Binance: The largest global exchange with 500+ cryptos across spot, margin, and futures markets. Fees start at 0.1% with BNB discounts. Offers Binance Earn, Launchpool, and NFT trading. Supports AED via bank transfers, cards, P2P, and local gateways. Licensed by VARA and the ADGM.

Emirates NBD customers should compare fees, assets, and deposit methods before choosing an exchange.

About Emirates NBD

Emirates NBD is one of the largest banks in the Middle East, serving over nine million customers across 13 countries. The Dubai-based group provides retail, corporate, and Islamic banking, along with wealth management and investment services. 

Its digital platforms, Liv and ENBD X, offer savings accounts, stock and ETF trading, and real-time wealth tracking. As a state-backed bank, Emirates NBD plays a key role in driving the UAE’s financial innovation and digital banking growth.

Final Thoughts

Emirates NBD’s Liv X app gives customers a simple, regulated entry into crypto but remains limited in assets and higher in cost.

Investors who want lower fees, more coins, and direct blockchain access should consider licensed UAE exchanges such as Rain, Bybit, OKX, or Binance. 

Choosing the right platform depends on trading needs, but using a regulated provider ensures compliance, security, and better long-term value.