Payment cards

Effective since 01.04.2024

C cards³
	C Business ⁴		C Business Plus³
Service	EUR	USD	EUR	USD
Fee for card	4.50 EUR per month	45 USD per annum	8.50 EUR per month	70 USD per annum
Commission fee for goods and services purchase	Free of charge	0.5%	Free of charge	0.5%
Cash withdrawal in ATMs of Citadele Bank	1% (min. 1.30 EUR)	1.5% (min. 5 EUR)	3% (min. 3 EUR)	3% (min. 5 USD)
Cash withdrawal in other banks, in ATMs of other banks	2% (min. 3 EUR)	1.5% (min. 5 USD)	3% (min. 3 EUR)	3% (min. 5 USD)
Minimum instalment	100% of the excess expenditure + 100% of the excess expenditure	100% of the excess expenditure + 100% of the excess expenditure	5% of the excess expenditure + 100% of the excess expenditure	100% of the excess expenditure + 100% of the excess expenditure
Interest rate (per annum)	24%	24%	20%	24%
Late payment interest (increased credit interest, per annum)	60%
Late payment interest	0.175% per day
Payment from account	Standard payment fee	Standard payment fee +3%
Currency exchange mark-up fee	4.3%	4.3%	3%	4.3%
Priority Pass	Not offered		Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport ¹	Not offered	30 EUR (VAT included)
Concierge service ²	Not offered		EUR 200 annum	USD 300 annum
Balance review in Citadele bank (Latvia) ATMs	Free of charge
Balance review in other bank ATMs	0.50 EUR	1.20 USD	0.50 EUR	1.20 USD
Fee for renewed payment card received by post⁴	1.50 EUR
Fee for renewed/ replaced payment card received at the branch⁴	10 EUR
SMS sent to customer about card transactions ⁴	0.15 EUR
Mastercard Business Debit cards
Service		Payment card	Cash deposit card
		EUR	EUR
Fee for card		2 EUR per month
Commission fee for goods and services purchase		Free of charge	Not available
Cash withdrawal in ATMs of Citadele Bank		1% (min. 1.30 EUR)	Not available
Cash withdrawal in other banks, in ATMs of other banks		2% (min.3 EUR)	Not available
Late payment interest (increased credit interest, per annum)		60%
Late payment interest		0.175% per day
Currency exchange mark-up fee		4.3%	Not available
Balance review in Citadele bank (Latvia) ATMs		Free of charge	Not available
Balance review in other bank ATMs		0.50 EUR	Not available
Fee for renewed payment card received by post⁴		1.50 EUR
Fee for renewed/ replaced payment card received at the branch⁴		10 EUR
SMS sent to customer about card transactions		0.15 EUR	Not available

¹ Fee for visit (set in EUR) will be converted in card account’s currency according to Citadele Bank exchange rate for non-cash operations, for the day when mentioned fee will be booked into account.
² Service fee is applied for each payment card (incl. supplementary card) / cardholder linked to Concierge Service.
³ Until 11 April 2022 the card was called X Corporate, until 2 April 2024 the card was called X Business.
⁴ Fee set in EUR will be converted in card account’s currency according to Citadele Bank exchange rate for non-cash operations, for the day when mentioned fee will be booked into account.