AS "Citadele banka" does not offer investment portfolio management services, fund and asset management services, individual consultations on investing in financial instruments, or recommendations on the capital markets. These services are provided by Citadele Group businesses: IPAS "CBL Asset Management", AAS "CBL Life" and AS "CBL Atklātais pensiju fonds".

  • Extensive investment opportunities in investment funds of various classes and types, from classic bond funds to market-traded index funds.
  • Options for investing in locally and globally recognised CBL Asset Management funds with no commission fee.
  • Diversified tools overseen by industry professionals which are developed according to specific investment strategies, such as long-term growth or low-risk investments.
Find out more
photo
  • Investments for a set term and with various risk and profit levels.
  • A wide and diverse range of corporate and government bonds, allowing you to invest in various issuers, currencies, markets and regions.
  • Professional and experienced brokers who will provide high-quality service and transactions.
  • A clear and transparent commission system without hidden fees or extra costs.
Find out more
photo
  • Become a co-owner of all the large European, US and local businesses.
  • Profit from capital gains or dividend payments. You can access another source of income depending on the amount you invest and the businesses you choose.
  • Receive the support of a broker all day long, up until the end of the US share-trading day.
Find out more
photo
photo
photo

Gold

  • Buy gold as an investment.
  • Citadele provides investment gold transactions and secure storage.
Apply for a consultation

Loan for financial instruments

photo

A convenient, great-value way to finance your plans.

Apply for a consultation

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Do I have to pay taxes?

Yes, you must pay income tax on capital gains and on capital (dividend) income.

How much do financial instrument transactions and financial instrument account servicing cost?

Financial instrument purchase and sale transactions are subject to brokerage commissions which are calculated based on the type of financial instrument and the size of the transaction, but please bear in mind that there is a minimum commission fee per transaction, and in some markets there may be an additional fee for transactions. 
You can see brokerage commissions on our Price List under Brokerage Services

Meanwhile, the following commission fees apply for financial instrument account servicing: 

  • a monthly fee for holding financial instruments, taken in the customer’s chosen base portfolio currency;
  • a commission fee for the customer’s chosen transaction (receiving, transferring or deregistering securities), which is taken in the transaction currency; 
  • a fee for processing orders for corporate events or tax certification documents for certain financial instrument types. 

You can see the full list of service prices on the Price List under Financial Instrument Account Servicing

Commission fees are taken automatically from the money in the customer’s financial instrument account. Customers must ensure that they have a sufficient balance, otherwise there may be a commission fee for a negative balance.

How do I submit an order for a financial instrument transaction?

You can submit an order at any branch of the bank, or remotely by phone or through the online bank.

How do I open a financial instrument account?

Existing bank customers can open a financial instrument account. They must have a current account or card account open. We recommend also activating the online bank. 

To open a financial instrument account, you must read the relevant documents, terms and conditions and sign an application to open a financial instrument account and transaction agreement. 

The easiest way to do this is for free through the Citadele online bank under Investments (New Order > Application to open a financial instrument account and transaction agreement). 

If necessary, you can also sign an agreement at any Citadele branch.

Can I receive a consultation from the bank on the best investments?

The bank does not give recommendations on the most suitable investment types, and does not recommend specific financial instruments, as only the customer can adequately evaluate and make decisions on their investments, needs and the suitability of specific financial instruments for their aims and requirements. 

However, we recommend that potential investors use Finoterapija, an online consultation prepared by Citadele subsidiary CBL Asset Management, which was created to help customers understand how to better manage their finances.

Do I have to pay tax?

Yes, you must pay income tax on capital growth and on income from capital (coupon income from bonds).

More questions
Do I have to pay taxes?

Yes, you must pay income tax on capital gains and on capital (dividend) income.

How much do financial instrument transactions and financial instrument account servicing cost?

Financial instrument purchase and sale transactions are subject to brokerage commissions which are calculated based on the type of financial instrument and the size of the transaction, but please bear in mind that there is a minimum commission fee per transaction, and in some markets there may be an additional fee for transactions. 
You can see brokerage commissions on our Price List under Brokerage Services

Meanwhile, the following commission fees apply for financial instrument account servicing: 

  • a monthly fee for holding financial instruments, taken in the customer’s chosen base portfolio currency;
  • a commission fee for the customer’s chosen transaction (receiving, transferring or deregistering securities), which is taken in the transaction currency; 
  • a fee for processing orders for corporate events or tax certification documents for certain financial instrument types. 

You can see the full list of service prices on the Price List under Financial Instrument Account Servicing

Commission fees are taken automatically from the money in the customer’s financial instrument account. Customers must ensure that they have a sufficient balance, otherwise there may be a commission fee for a negative balance.

How do I submit an order for a financial instrument transaction?

You can submit an order at any branch of the bank, or remotely by phone or through the online bank.

How do I open a financial instrument account?

Existing bank customers can open a financial instrument account. They must have a current account or card account open. We recommend also activating the online bank. 

To open a financial instrument account, you must read the relevant documents, terms and conditions and sign an application to open a financial instrument account and transaction agreement. 

The easiest way to do this is for free through the Citadele online bank under Investments (New Order > Application to open a financial instrument account and transaction agreement). 

If necessary, you can also sign an agreement at any Citadele branch.

Can I receive a consultation from the bank on the best investments?

The bank does not give recommendations on the most suitable investment types, and does not recommend specific financial instruments, as only the customer can adequately evaluate and make decisions on their investments, needs and the suitability of specific financial instruments for their aims and requirements. 

However, we recommend that potential investors use Finoterapija, an online consultation prepared by Citadele subsidiary CBL Asset Management, which was created to help customers understand how to better manage their finances.

Do I have to pay tax?

Yes, you must pay income tax on capital growth and on income from capital (coupon income from bonds).

More opportunities

photo

Investment funds

One of the most popular financial instruments, which offers the chance to maintain and even grow the value of your savings. Apply for a consultation and achieve your goals. Service provided by Citadele subsidiary CBL Asset Management.
Learn more
photo

Short terms savings

A way of saving for your goals using the benefits of the Krājkonts account and Term Deposits. Apply through the online bank and achieve your dreams.
Learn more
photo

Accumulative life insurance

Use the opportunity to invest part of the paid insurance premiums and create savings, for example, for children's education. Apply and receive an annual income tax rebate of up to 20 %. Service provided by Citadele subsidiary AAS CBL LIfe.
Learn more