|X smart EUR||X smart for youth1 EUR|
|Fee for card||1.20 EUR per month||Free of charge|
|Fee for supplementary card||1.20 EUR per month||Not offered|
|New card issue (instead of existing)||Free of charge||Free of charge|
|Commission fee for goods and services purchase||Free of charge||Free of charge|
|Cash withdrawal in Citadele Bank||As from current account||As from current account|
|Cash withdrawal in other banks||2% (min. 3 EUR)||2% (min. 3 EUR)|
|Cash withdrawal in Citadele Bank ATMs in Latvia||Free of charge up to 800 EUR per month2 , 0.2% from amount above||Free of charge up to 800 EUR per month2 , 0.2% from amount above|
|Cash withdrawal in ATMs of other banks||Free of charge 5 transactions or 800 EUR max per month2 - free of charge, above limit 2% (min. EUR 3)||Free of charge 5 transactions or 800 EUR max per month2- free of charge, above limit 2% (min. EUR 3)|
|Payment from account||electr. payments - free of charge||electr. payments - free of charge|
|SMS sent to customer about incoming sum to account||Free of charge||Free of charge|
|Cash withdrawal at POS terminals at merchants||Free of charge||Free of charge|
|Credit limit amount||Individually||Individually|
|Minimum instalment||5% of the used credit limit amount + 100% of the excess expenditure||5% of the used credit limit amount + 100% of the excess expenditure|
|Credit interest (per annum) for cards issued against safety deposit 3||28%||28%|
|Credit interest (per annum) for cards without safety deposit||28%||28%|
|Interest for unauthorised negative balance (per day)||0.175%||0.175%|
|Currency exchange mark-up fee||3%||3%|
Effective from 15.05.2019.
1 Aged16 till 21 (including).
2 EUR 800 is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
3 New cards against a security deposit from 15.05.2019. not issued.