Free transfers within Europe

With X Infinite, you can make unlimited online Euro transfers for free to Latvia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

Recipient IBAN number.
Commission type: SHA (shared)
Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Instant payments

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X Infinite account to any bank which supports instant payments. The money is transferred within seconds.

Instant payments are Euro transfers 24 hours a day, 7 days a week, 365 days a year including bank holidays. Money will be in the recipient’s account within 10 seconds. Payment in EUR currency sent to the Bank that ir participant of SEPA Inst scheme. Complete list of SEPA Inst scheme participants is available here.

Free cash withdrawals from ATMs anywhere in the world

Up to 2000 Euro commission free	Unlimited number of times from Citadele ATMs in Latvia	From other ATMs in Latvia and worldwide unlimited number of times
Over 2000 Euro – commission fee	1% of the sum from Citadele ATMs in Latvia	2% of the sum from other ATMs worldwide (min. 3,50 Euro)

The commission fee discount only applies to commission fees set by Citadele Bank.

If you use another bank/organisation’s ATM, remember to pay attention to the warning on the screen!

If the ATM screen has a notification about commission fees, this will be applied by the bank/organisation whose ATM you are using.

If you withdraw cash in a different currency, the cost of the currency conversion will be in accordance with the Price List.