Frequently Asked Questions

Opening is easy and can be done in as quick as 5 minutes. You can apply for liviSave if you are: 

 

- At least 18 or above with a Smart Hong Kong Adult Identity Card
- A Hong Kong resident with a valid Hong Kong address
- Currently in Hong Kong and have a Hong Kong mobile number
- A smartphone with front and back cameras running iOS 10.3 / Android 7.0 or higher


Once you have these, simply download livi app from the app store and register.

This could happen for a few reasons, the most common being:

- You are under 18 years old
- You already have liviSave
- We were unable to approve your application based on the personal information you provided. Please contact liviCare at (852) 2929 2998 for assistance. 

It's completely free!

In most cases, your account will be ready instantly. If not, we will do our best to get back to you within two business days. We will notify you via SMS, email or phone call once your account is ready, or if we need additional information from you.

 

This is so we have alternative ways of contacting you to provide information about your account. To learn more about how livi will use your personal information, please refer to the Personal Information Collection Statement on our website or in app.

You can check the latest application status via livi app.

During the photo taking, you need to:
1. Remove all accessories (e.g., hat, sunglasses, mask).
2. Position your eyes within the circles.
3. When the circles turn green – blink.
4. Wait for the countdown, then blink again.

livi Flexi Loan is a personal loan product with a loan amount of up to HKD 1,000,000 and a repayment period of up to 60 months. You only need to apply once, and you can reborrow from your repaid principal without additional applications or approvals.

You need to be a Hong Kong resident with a liviSave account. You can apply as long as you have proof of income. If you are new to livi, a liviSave account will be created for you for loan disbursements and monthly repayments.
You have between 3 months and 60 months to repay. You can choose a repayment period of 3, 6, 12, 18, 24, 30, 36, 48 or 60 months.
For loan approval purposes, we will check your credit report provided by a credit reference agency.
Funds will be instantly deposited into your liviSave account when your loan is confirmed and accepted.
You can "transfer" your funds into a designated beneficiary account via the livi app. As a reminder, the maximum daily transfer limit is equivalent to HKD 500,000. If you need to withdraw more than HKD 500,000, please arrange another transfer.

The monthly flat rate is used to calculate the total interest amount for your loan as follows:

Total interest amount = Loan amount x Monthly flat rate x Repayment period.

The Annual Percentage Rate (APR) is a reference rate which includes all applicable interest rates, fees, and charges pertaining to a loan product, expressed as an annualised rate. It is calculated using a method specified in relevant guidelines set out by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. This rate will vary based on different factors such as loan amount and repayment period, you can view relevant information on the Flexi Loan Calculator, Accept Offer, and Instalment Details page.

The "Rule of 78" is a general method used by banks and financial institutions to allocate the total interest amount of the loan across the repayment period, based on the sum of the months as digits. Under this rule, interest payments will decrease with every instalment until the end of the repayment period. Using a 12-month repayment period as an example, interest payments will be allocated based on the sum of (12 + 11 + 10 +… +3 + 2 + 1 ) = 78. The first interest payment will be calculated as 12 / 78 of the total interest amount, followed by the second interest payment of 11 / 78 of the total interest amount and so on, until the 12th interest payment, which will be equal to 1 / 78 of the total interest amount.

You can view repayment amount and repayment date in Flexi Loan card. You only need to ensure enough funds are available in your liviSave account for every repayment.
We will automatically deduct all repayment amounts from your liviSave account on repayment day. Also, we will set your monthly repayment day based on your first drawdown date. For months without the same number of days, repayment day will fall on the last day of the month. If it falls on a Saturday, Sunday or public holiday, we will still automatically deduct the amount from your liviSave account on the same day.

If you cannot settle your repayment amount in full on due date, late repayment fees and default interest will be charged. Default interest is accrued on a daily basis starting from the due date of the relevant payment, calculated based on the unpaid principal amount. If customer is overdue for 10 days while outstanding principal is HKD10,000, default interest is HKD 98.63 and late repayment fee is HKD300.00.
If you are unable to repay your loan obligations for any reason, please contact liviCare at (852) 2929 2998 for further assistance.

You can early repay your outstanding loan amount in full and we will not charge any handling fee. However, you cannot choose to repay part of the loan. Early repayment means repaying the outstanding loan principal and any interest payable in full.

 

Yes, you can top-up a new loan by withdrawing from the instant top-up amount as long as your first instalment loan has been repaid for three months or early repaid in full. The repayment day of the new instalment loan will be the same as your original repayment day. If the difference between the day you applied for the new instalment loan and its repayment day is less than or equal to 20 days, the first repayment day of the new instalment loan will be postponed by one instalment (one month).
Once your loan has been repaid in full, you can contact liviCare at (852) 2929 2998 to apply for the termination of your loan account.

livi PayLater is new way to pay brought to you by a spending instalment with a revolving line of credit. By using livi PayLater Mastercard, a transaction can be repaid in instalments for up to 36 months.

If the instalments are duly repaid, only a personalised monthly handling fee will be charged. Please refer to the Key Facts Statement and Fees & Charges for details.

You will need to accept the offer before using it. If you do not accept the offer within 30 days of receiving the approval, the application will be cancelled.

Of course. You are more than welcomed to apply again.

Normally, you’ll be instantly approved once your application is received. Should we require additional information, we will reach out via SMS / email / phone call.

If you have any questions relating to the credit limit, please contact liviCare at (852) 2929 2998.

Each purchase must meet the following requirements:
-    100 HKD or above (Anything below this amount will be settled by liviSave)
-    Sufficient credit limit remaining
-    An acceptable type of spending as determined by livi

No, liviSave is a prerequisite for a livi PayLater application.

You can spend by using the livi PayLater Mastercard in the following ways:
- Add the livi PayLater Mastercard to Apple Pay or Google PayTM
- Input livi PayLater Mastercard number, expiry date and CVV at online checkout


Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.

Yes, all foreign currency transactions will be settled in HKD according to the relevant terms.

The transaction will be made via liviSave if the amount is below the threshold. If there’s insufficient balance, the transaction will be declined.

On the “Overview” screen, tap “Transactions” to view details of each transaction.

Tap a spending on “Transaction” page and you will find all details including handling fee, APR and monthly repayment amount.

APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate, and is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks. Our range of APR is 3.18% - 20.80% referring to the APR of personalised monthly handling fee and it will be reviewed from time to time. APR for each transaction may vary. Please refer to “Transactions” page for details.

If a payment due is not received in full on or before the payment due date, you will pay default interest in addition to your personalised monthly handling fee. Daily default interest will accrue daily, and will be charged on the overdue amount at a rate of 1.5x (i.e. 150%) of your current APR applicable to the overdue loan. According to the APR range mentioned above, the corresponding range of annualised default interest rate is 4.77%-31.20%. APR will be reviewed from time to time. If the customer fails to repay on the repayment date, we will charge a late payment fee. Late payment fee will be charged as a blanket fee of HK$300 or the instalment payment due and payable, whichever is lower.
Example 1:
Outstanding amount is HK$5,000, we will charge late payment fee HK$300
Example 2:
Outstanding amount is HK$238, we will charge late payment fee HK$238

Please refer to “Livi Bank Limited Fees & Charges”.

You can change the repayment period for each purchase once before the first statement is issued, which is typically the second month after the transaction. For example, a transaction in January, the first statement will be issued on 1 March. 

Besides, you can change your instalment plan anytime in livi app. You can set 3, 6, 12, 18, 24, 30, 36 instalments as default for your future spending. 

You can make this change before accepting the offer, or follow the steps below at anytime to do so:

1. Tap “Cards” under livi PayLater on Overview screen

2. Select “Minimum Instalment Amount”

3. Enter a new amount then tap “Confirm”

The default minimum instalment amount is 100 HKD.

Your spending cannot exceed your credit limit and only use it to pay for your purchases.

Refund will be credited to your liviSave. You can then arrange an early settlement. Please note that an early settlement fee may be charged.

Each statement will show the amount you need to repay on the due date. You can make repayments in app, or leave sufficient funds in liviSave for automatic repayment on the due date.

The first statement will be issued in the second month after the transaction,  For example, a transaction in January, the first statement will be issued on 1 March. 10th of each month is the repayment date for the current statement.

You may repay all outstanding principal, interest and handling fees for an instalment all at once. Partial prepayment is not supported. The early settlement fee is charged at 3% of the remaining principal, and is waived if an instalment is repaid in full on or before it is first posted on a statement. For example, if you make a purchase via livi PayLater on 22 May, this transaction will be first posted for repayment on the monthly statement to be issued on 1 July. livi may adjust the early settlement fee from time to time.

livi PayLater is a revolving line of credit. The credit limit will be made available once repayment is made.

Yes, you may terminate this service once you have settled all outstanding balance in full.

Customers will not be charged late payment fee if they settled repayment on time. Late payment might affect your personal credit record, please repay on time. 

You may change your correspondence address on the livi app:

 

1. Tap "Profile Settings" on the top right-hand corner of your home Overview screen
2. Select "Personal Information" then enter your PIN code
3. Select "Address" and tap "Edit" under "Correspondence Address"
4. Type in your new address and tap "Continue"

To change your mobile number, you must have activated the Soft Token on the mobile phone that you have linked to your livi account:

 

1. Tap "Profile Settings" on the top right-hand corner of your home Overview screen
2. Tap "Personal Information" and then "Mobile Number" 
3. Tap "Change Mobile Number" and authenticate with your PIN Code
4. Enter your new mobile number and tap "Continue"
5. Enter the verification code we sent to your new mobile number

You can view your monthly e-statements on the livi app:

 

1. Tap "Transactions" on the Overview Screen
2. Tap "Statement"
3. Select the period to view statement 

 

If you wish to download the e-Statement, tap "Download" to save it onto your device.

Your e-statements are normally sent on the first calendar day of each month. You will also receive a notification when it’s ready.

To help reduce paper usage, we only provide e-statements. If you need paper statements, please contact liviCare at (852) 2929 2998.

You can access up to 7 years of e-statements.

In order to protect your account, livi uses a Soft Token to verify your identity when you make high-risk transactions. To use the Soft Token, you need to set up a 6-digit PIN Code. It is different from your login password and is designed to add an additional layer of security. It must set up before making a high-risk transaction.

1. Go to "Profile Settings" from the "Overview" screen
2. Tap "App Settings" then "Soft Token"
3. Tap "Change PIN Code" and follow the instructions

Your login password must:

- Be 8 to 16 characters in length
- Contain at least 3 of the following: numbers, uppercase letters, lowercase letters, and symbols (!@#$%^&)
- Not contain any three identical consecutive characters (e.g. 333, bbb)

There are two simple ways to do that:

 

Option 1

Tap "Forgot Password?" at "Login" page.

 

Option 2

1. Tap "Profile Settings" on "Overview" screen 
2. Tap "App Settings" then "Login Password"
3. Tap "Change Login Password" and follow the instructions

To ensure the safety of your account, you will be asked for the PIN Code when performing high-risk transactions. 

 

To set up Soft Token: 

1. Tap "Profile Settings" on the "Overview" screen
2. Tap "App Settings" then select "Soft Token"
3. Turn on "PIN Code" and follow the instructions

To enable biometric authentication for Login Password:

1. Tap "Profile Settings" on the "Overview" screen
2. Tap "App Settings" then select "Login Password"
3. Tap "Biometric Authentication" and follow the instructions

 

To enable biometric authentication for Soft Token:

1. Tap "Profile Settings" on the "Overview" screen
2. Tap "App Settings" then select "Soft Token"
3. Tap "Biometric Authentication" and follow the instructions

If you wish to terminate your liviSave, please go to "Bank Services" under "Profile Settings" in livi app and tap "Service Termination" then follow the instructions.

To improve our services, we regularly provide updates and maintenance to our banking system. Our regular system maintenance is scheduled at 04:00 to 08:00 HKT every Saturday. During this period, some services on our app will be temporarily unavailable.

The minimum deposit amount of time deposit is 500 HKD.

 

The maximum deposit amount of time deposit is 10,000,000 HKD per customer.
 

 

The tenor of time deposit changes with the prevailing market conditions. You can always check the tenor of time deposit in the livi app.

The interest rate of time deposit changes with the prevailing market conditions. You can always check the interest rate of time deposit in the livi app.
 

 

You can place time deposit at any time of the day on livi app.

 

You can select below maturity instruction option:

Option 1: Credit to Savings: Both principal and interest will be credited to your Savings Account upon maturity /
Option 2: Renew Principal and Interest: Both principal and interest will continue to renew with same tenor and at the respective interest rate on the date of maturity /
Option 3: Renew principal, credit interest to Savings: The principal will continue to rollover with same tenor and at the respective interest rate on the date of maturity, and interest will be credited to Savings Account

 

You can amend the maturity instruction before the maturity date of time deposit on livi app.

 

You can only early withdraw entire principal of time deposit.

 

No interest will be payable and a fee will be charged according to the below formula upon early withdrawal:

HKD: 
Time Deposit Principal x (5%- Time Deposit Interest Rate) x No. of Days due to Maturity/365 or HKD200, whichever is higher

 

You can't adjust time deposit principal amount once the time deposit has been confirmed.

 

The daily interest is calculated based on your end-of-day balance and current interest rate. The annual interest amount is calculated on the following year basis:
•    HKD – 365 days (for both ordinary and leap year) 
•    USD or CNY -360 days 
You can check the interest earned for the previous day and year-to-date on livi app.

 

We'll let you know as soon as this function is available. 

Deposit Protection Scheme (DPS) protects depositors by paying compensation to them in the event of a bank failure. In Hong Kong, the DPS is established under the Deposit Protection Scheme Ordinance. In case a member bank of DPS (a Scheme member) fails, the Hong Kong Deposit Protection Board will pay compensation up to a maximum of 500,000 HKD to each depositor for their eligible deposit of the failed Scheme member.

Deposits of up to 500,000 HKD are protected, including both principal and interest.

We support the following types of transfers:

- Instant HKD and CNY transfers via FPS
- Real Time Gross Settlement (RTGS) for local banks:
•    Transfer money from other local banks: HKD, USD and CNY
•    Transfer money to other local banks: USD
- Small-value Transfers
- Scheduled transfers
- Quick Save transfers from your other bank account
- Inward remittance
•    Support inward remittance of HKD and CNY from the Mainland of China

Tap "Transfer" on the Overview screen to begin. We support transfers via recipient's mobile number/ email address/ account number / FPS ID.

•    Via FPS: transfers will be processed and received by the recipient immediately. Actual receiving time would depend on the arrangement of the receiving bank.


•    Via Real Time Gross Settlement (RTGS): Under normal circumstances, the transfers will be processed on the same business day (i.e. Mondays to Fridays; excluding Saturdays, Sundays and public holidays) if the transfer instruction is submitted before the cut-off time as the Bank may from time to time designate. In case the transfer instruction is submitted after the cut-off time or during Saturday, Sunday and Public Holiday, it will be processed on the following business day. Actual receiving time would depend on the arrangement of the receiving bank.


•    Scheduled transfers are processed between 9am-12pm. Transfers scheduled for the same day may not be cancelled after this time.

Yes, the maximum Daily Transfer Limit is 500,000 HKD equivalent. This limit is shared by all currencies. If you would like to set your own limit, please follow steps below:

1. Tap "Profile Settings" on the Overview screen
2. Select "Bank Services"
3. Select "Transfer Limit" and follow the instructions

Only HKD, USD and CNY are available at the moment.

•    Via FPS: FPS transfers within Hong Kong can be made at any time, even on weekends and public holidays. 


•    Via Real Time Gross Settlement (RTGS): From Mondays to Fridays (Excluding public holidays), instructions submitted between 08:30 and 15:00 will be processed on same business day; and in case the transfer instruction is submitted after the cut-off time or during Saturday, Sunday and Public Holiday, it will be processed on the following business day.

1. Tap "Profile Settings" on the Overview screen
2. Select "Bank Services"
3. Select "Transfer" then tap "Register for FPS"
4. Follow the instructions to register for FPS using your mobile number, email address or HKID 

 

Please note that registering with HKID only enables you to receive funds from the eligible organisations (such as qualified institutions or the HKSAR Government).

All transfers are free of charge. But receiving banks may impose fees based on different circumstances. Please contact the receiving bank for details.

Small-value Transfer enables transferring smaller amounts without two-factor authentication. So as long as your transfers don’t reach your imposed limit (daily maximum of 10,000 HKD equivalent, the "Small-value Transfers" service currently supports transfers in HKD and CNY only and the limit is shared by transactions in HKD and CNY), you will not be asked for authentication.

Quick Save is a service for making fast transfers to your liviSave by linking it to another bank account of yours.

1. Tap "Profile Settings" on the Overview screen
2. Select "Bank Services"
3. Select "Transfer"
4. Select "Quick Save" and follow the instructions

 

To avoid overdraft fees by the sending bank, please ensure sufficient funds in your other bank account.

Our branch code is 756. The branch code is a unique code assigned by Hong Kong Interbank Clearing Limited (HKICL). Every institution must have at least one branch code in their clearing system, even if there is no physical branch.

1. Tap "Profile Settings" on Overview page
2. Select "Bank Services"
3. Select "Transfer" then "Register for FPS"
4. Tap "Change" beside mobile number or email address or "Remove" under HKID
5. Tap "Remove this account from FPS" at the bottom then follow the instructions

1. Tap "Profile Settings" on Overview page
2. Select "Bank Services"
3. Select "Transfer" then "Scheduled Transfer"
4. Choose the transfer you wish to cancel then tap "Change"
5. Tap "Cancel this transfer" at the bottom then follow the instructions

1. Tap "Profile Settings" on Overview page
2. Select "Bank Services"
3. Select "Transfer" then "Quick Save"
4. Choose the instruction you wish to remove then tap "Change"
5. Tap "Cancel Quick Save" at the bottom then follow the instructions

livi support inward remittance of HKD and CNY from the Mainland of China.  

The SWIFT code for livi is "LIVIHKHH".

livi retains BOCHK (SWIFT code: BKCHHKHH) as intermediary banks for HKD and CNY remittance from the Mainland of China. 

livi will reject any cross-border inward remittance other than HKD and CNY from the Mainland of China.

livi will not charge for cross-border inward remittance services. 

 

Reminder: Please note that the correspondent banks, intermediary institutions, and the clearing institutions may charge fees, and those fees may be deducted from the remittance amount. 
 

You can enable it by tapping "Pay" on the Overview screen.

After enabling QR Payment, simply tap "Pay" on your Overview screen then present the QR code to the merchant.

You can pay with QR Payment at any of the 50,000+ Merchants who accepts UnionPay QR in Hong Kong.

- The QR Code is valid one-time only with a time limit
- Suspicious transactions will be stopped by our security system
- The QR Code should only be displayed at the merchant for payment. Please do not disclose it to others.

You can suspend this QR Payment in Bank Services. Go to "Payment", then select "Suspend QR Payment" and follow the instructions. You will not be able to pay with QR Payment after this.

 

If you want to cancel your QR Payment altogether, please contact liviCare at (852) 2929 2998 for assistance.

Please contact liviCare immediately at (852) 2929 2998 if you see any suspicious or unauthorized transactions.

If you wish to dispute a transaction or raise a chargeback request, please call liviCare at (852) 2929 2998 then fill out and mail the Transaction Dispute Form to us.

Chargeback allows transaction(s) to be reversed and related payment(s) to be refunded under certain circumstances. For example:

- If the goods received are damaged or do not match the description.
- If you paid for the services which were not provided.
- If you paid for the merchandise but did not receive it.

As the card-issuing bank, livi will raise a chargeback request on your behalf against the merchant. If the merchant accepts the chargeback request and issues a refund, we will return the money to you accordingly.

If you wish to dispute a transaction or raise a chargeback request, please call liviCare at (852) 2929 2998 then fill out and mail the Transaction Dispute Form to us. We will get back to you in two working days after receiving your written request.

The form can be downloaded at the bottom of Payment page on our website.

Your request will be processed in 60 to 90 days in general. The processing time may vary depending on the complexity of the issue (i.e. if chargeback disputed by merchant). Please contact liviCare at (852) 2929 2998 for matters regarding your request.

livi Debit Mastercard is a Mastercard® virtual debit card issued by livi. When you pay with livi Debit Mastercard, it will directly debit from your liviSave account, payment records can be viewed from liviSave transaction history and statement in livi app.

 

And as it is a virtual card, it will be only sent to your livi app.

livi customer who has liviSave can apply for a livi Debit Mastercard.

You can apply for a livi Debit Mastercard from livi app. Upon successful instant approval, livi Debit Mastercard will be generated and sent to your livi app. You can check your livi Debit Mastercard after login.

You can refer to the Fee & Charges in livi app or livi Website.

 

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.

livi Debit Mastercard can pay at both physical stores and online stores.

You can add livi Debit Mastercard to Apple Pay / Google Pay to make payments at physical stores. Merchants that accept livi Debit Mastercard will usually show logos of Mastercard, Apple Pay and/or Google Pay at stores.

You can purchase with livi Debit Mastercard at online merchants. Card number of livi Debit Mastercard can be retrieved at "Cards" within livi app.

1. Tap "Cards" on the Overview screen;
2. Tap "Card Details";
3. Authenticate with your PIN to reveal card number, expiration date and CVC;
4. Copy the above information to the digital wallet of your choice;
5. Follow the instructions to add your card to the digital wallet.

You can pay with livi Debit Mastercard at any merchants accept Mastercard, Apple Pay and Google Pay.

Payment limit for livi Debit Mastercard is maximum 50,000 HKD per day. You can personalise / check your payment limit at "Cards" within livi app.

The following are some tips for using livi Debit Mastercard:

 

- Never disclose your card information of livi Debit Mastercard to others;

- Never record and store the card information in written format or digital format;

- Never add livi Debit Mastercard to Digital Wallets which are not possessed by you.

- Contact liviCare immediately if you notice any suspicious/fraudulent transaction;

- Check your transaction notification, transaction history and statement;

- Take reasonably security measure on protecting your personal information and safeguard your mobile device. You may refer to security measure as stated in livi Conditions for Services.

If you want to cancel standing instruction (SI) or direct debit authorization (DDA) on your livi Debit Mastercard, please contact the merchant to unsubscribe or cancel the payment directly.

Please call our liviCare to report loss of your mobile phone. We will help to block the usage of your livi Debit Mastercard. You should also delete the related card information from your Apple Pay and Google Pay Device(s). You are not liable for unauthorized transactions if you have not acted fraudulently, with gross negligence or have not otherwise failed to inform us as soon as reasonably practicable after having found that your card has been lost or stolen.

You may go to "Find my iPhone" app or "Find my Device" app to temporarily suspend "Apple Pay" or "Google Pay" or permanently remove the ability to make payments from your Apple Pay or Google Pay Device. For details, please refer to https://www.apple.com/hk/apple-pay/ and https://pay.google.com/intl/en/about/.

You can suspend the livi Debit Mastercard from the livi app. Tap the card icon under liviSave to enter "Cards", select "Suspend Mastercard" and follow instructions. No transactions can be made after the card has been suspended.

 

If you want to cancel your livi Debit Mastercard, please contact liviCare at (852) 2929 2998 for assistance.

Please contact liviCare quickly at (852) 2929 2998 if you have unconfirmed transaction(s) on your statement or you notice unauthorized transaction(s). Customers should refer to the supporting information listed in the livi Website -> Features -> livi Debit Mastercard ->"Transaction Dispute Form" (for example, transaction date, amount, name of merchant, etc). liviCare will assist you to raise a chargeback request.

Once we receive your dispute, we will assist you by raising chargeback requests against the merchant acquirers on your behalf. If the merchant acquirers or merchant accept a chargeback request and issue a refund for the transaction, we will return the money to you accordingly.

Normally We will process your request in approximately 90 to 120 days the day when we receive your call to liviCare. The processing time may be extended due to the complexity of transaction(s) (for example, nature of dispute or issues caused by merchant). We will let you know the updated status through liviCare.

 

If your chargeback request is accepted, the disputed amount will be credited into your livi account. But if your chargeback request is rejected, we will inform you and you may continue to reach out to liviCare for further assistance.

Token Connect makes online shopping faster and more secure, eliminating the need to fill out your payment information which is being tokenized. Simply link your livi Mastercard to designated merchants on livi app to enjoy the ease of tap and pay!

You can add your card to the merchant’s website or app in a few easy steps:

1. Tap "Cards" on the overview screen

2. On the Cards page, select "Token Connect"

3. Find the merchant and tap the "+" beside the merchant’s name

4. Enter your PIN for authentication, then complete the registration at the merchant’s website / app.

QR Cash enables you to withdraw cash from the designated ATMs without a physical ATM card. Each withdrawal will be directly debited from your liviSave account. Currently, all BOCHK and other designated ATMs support this service. Cash withdrawal records can be viewed in "Transactions" in app and in the e-statement.

Tap the "QR Cash" on the Overview screen and simply follow the instructions shown in app.

1.    Tap "QR Cash" on the Overview screen and set up a cash withdrawal instruction
2.    Tap "Withdraw Now" and authenticate with your PIN; "Withdraw Later" lets you save the instruction for 60 minutes. Tap "QR Cash" again to retrieve this instruction
3.    Select "UnionPay QRC Withdrawal" on the ATM then scan the QR code using QR cash in livi app
4.    Enter the in-app one-time withdrawal code on the ATM, then follow the instructions on the ATM to complete the cash withdrawal


Additional tips:
-    The validity period for the QR code on the ATM screen may vary. Please tap "Withdraw Now" before selecting "UnionPay QRC Withdrawal" on the ATM
-    Avoid glares and reflections when scanning the QR code
-    We do not charge any fees for using QR Cash. You may safely disregard any notices display from the ATM screen that there may be charges for cash withdrawal 

You can withdraw with QR Cash at all BOCHK and other supported ATMs in Hong Kong (choose "UnionPay QRC Withdrawal" at ATM). 

The maximum withdrawal limit is 10,000 HKD per day. If you would like to set your own limit, please follow steps below.
1. Go to "Profile Settings" then tap "Bank Services"
2. Tap "QR Cash Limit", then set your preferred limit on this screen

You can currently withdraw in HKD with QR Cash.

You can delete your instruction using "Delete Instruction" under the Withdrawal Instruction screen.

We do not charge any fees for using QR Cash. 

- Please tap "Withdraw Now"  before selecting "UnionPay QRC Withdrawal" on the ATM
- Don’t share the one-time withdrawal code with others
- Contact liviCare immediately if you notice any suspicious or fraudulent transactions
- Check your transaction notifications, transaction history and statements 
- Take reasonable security measures to protect your personal information and safeguard your mobile device 

livi’s Happiness is where we bring delights and rewards for spending and saving. Here you can explore our ever-updating rewards, exclusive offers and pleasant surprises!

1. Get your Invitation Code by tapping the "Invite Friends" banner;

 

2. Share your Invitation Code with your friends.

 

Remind your friends to enter your Invitation Code during account opening!

Please refer to the relevant terms and conditions for more details.

Exclusive 8% cashback and / or more extra rewards at designated merchants with livi PayLater Mastercard. 
Enjoy exclusive 5% online cashback at any merchant with livi PayLater Mastercard.
Upon completion of the Eligible Transaction, we will credit the Offer to Eligible Customer’s liviSave account by next calendar month.

 

Terms and Conditions apply. Please refer to livi website or app for details.

For all livi PayLater facilities drawn within the Promotion Period by the Eligible Customers, monthly handling fee will be waived for up to 3 months.

 

1. For livi Paylater drawn by the Eligible Customer within the Promotion Period with an installment plan of no more than 3 months, all monthly handling fee will be waived.
2. For livi Paylater drawn by the Eligible Customer within the Promotion Period with an installment plan of more than 3 months, monthly handling fee for the first 3 months will be waived.

 

Terms and Conditions apply. Please refer to livi website or app for details.

livimoment is memorable moments and special experiences that created by you and livi. You can enjoy livimoment cashback rewards upon spending with livi Mastercard at our monthly selected merchants.
livimoment PLUS offers dedicated entertainment experience with exclusive rewards and special privileges to selected livi customers.        
You can check out the details of livimoment offers from our official website or app offer page. Simply spend with livi Mastercard at designated merchants and enjoy the rewards.
You can check out the livimoment offer page on our official website or app. Click the “Merchant List” button and view all the eligible merchants.
Your livimoment rewards will be credited to your liviSave account within 30 working days upon fulfilling the requirements. Please refer to the relevant terms and conditions for more details.      
If you are eligible but didn’t receive your rewards, please contact liviCare at (852) 2929 2998 or via Live Chat in livi app. We are happy to assist you.      

Shake Shake rewards you for using QR Payment to pay for purchases. Shake your phone after paying for a pleasant surprise!

 

Pay with QR Payment at any shop that accepts UnionPay QR in Hong Kong. Shake your phone after paying for a reward that can be redeemed on your next payment. You can earn up to 500 HKD each calendar month.

 

 

Unless stated otherwise, promotion rewards are automatically credited into your account immediately upon fulfilling the requirements. Please refer to the relevant promotion pages and terms and conditions for more details.

 

If you are eligible but haven’t received your reward, please contact liviCare at (852) 2929 2998 or via Live Chat in livi app. We are happy to assist you. 

Yuu is Hong Kong’s biggest, digital-first rewards club that connects over 10 brands and 2,000 shops and restaurants across the city, allowing members to earn points in more places, redeem more rewards, faster than ever. When shopping or dining at yuu Partners, you can display your yuu ID to earn points for spending. Also, you can use your points to redeem cash vouchers or a whole range of exciting rewards in the yuu app.

 

Please note, yuu Rewards Club is owned and operated by DFI Development (HK) Limited and is subject to its own terms and conditions.

This just means you haven’t linked your yuu account to livi with the invitation code.

 

You can still earn yuu Points before linking the two accounts, but you won’t be able to access the points you earned from livi.

Upon linking with the invitation code, the yuu Points earned from livi promotions will be credited to your yuu account instantly.
You can also check your yuu Points balance and access your yuu ID without switching apps.

Please ensure the mobile number you’ve entered is the same number registered with livi.

livi app only contains transactions of yuu Points that you have earned via livi. Points earned from any other sources will not be found here.

The yuu Points balance shown on the livi app should correspond to the balance found in your yuu app. If you believe the balance is incorrect, please contact contactus@yuurewardsclub.com.hk or chat with yuu team through the yuu app / website for assistance.

 

u·plan is a platform provided by UnionPay International which brings together various shopping and dining offers. You can enjoy discounts and complete payments simply by redeeming u·plan e-Coupons via livi app and presenting the QR code to merchants for scanning. The process is fast and convenient.

 

For questions about using e-Coupons at retail stores, please contact the merchants directly. For questions about redeeming or using e-Coupons, please contact UnionPay International via their Customer Service Hotline on 800-967-222 (dial directly with no roaming voice call charges). You may need to provide the e-Coupon number and the name of the promotional campaign.

 

Sign up with livi bank, log into the livi app and find the liviVerse Lucky Draw banner in the Happiness tab. During the Promotional Period, use livi app's Share function to share our designated liviVerse Lucky Draw page to your social media for a chance to own a Mochi NFT!
The liviVerse Lucky Draw is valid from 07/06/2022 to 28/06/2022, both dates inclusive.
The liviVerse Lucky Draw is offering 1,888 Mochi NFTs. Each eligible customer can enrol in the Lucky Draw once only.
Results of the liviVerse Lucky Draw will be announced on 06/07/2022 via push notifications and email. The collection of Mochi NFTs will be viewable to all in the liviVerse.
Log in to the livi app and go into the liviVerse from the Happiness tab. If you've won a livi NFT, you will see it in the liviVerse.
NFT stands for non-fungible token. It is a non-interchangeable unit of data stored on a blockchain, a form of digital ledger.
Blockchain is a distributed ledger (or database) of transactions that is not controlled by a central authority. Blockchain stores data in blocks, which differs from a typical database. Once transactions are added to a ledger, they are immutable, meaning they cannot be modified or erased.
You are granted a license to display the livi NFT allocated to you for your private, non-commercial use. As an NFT holder, you may enjoy exclusive access to livi's service, discounts, and many more features to come in liviVerse. Stay tuned!