Skip to page content
Private Business Private Banking About the bank C REWARDS
English
open close

A minute in the bank is a minute too many

Banks services and offers online – quick, convenient and better.

The girl is comfortably lying in bed and looking at her phone.
Citadele C smart NEON card with the word SMART and VISA logo on a vibrant background in pink, green, and blue tones.

Bonuses for young people!

A free payment card for those aged 7–21, and that’s not all! Special offer for young people in August and September!*

  • When you become a Citadele customer before 30.09.2025., you can receive 3000 C REWARDS points, which you can exchange for your choice of gift from our catalogue: cinema tickets, two Hooligan bubble teas, a burger or kebab from Virši, and other great things! To receive 3000 points, register for the C REWARDS loyalty programme here (it’s free)!
  • Until 30.09.2025., receive 4x more C REWARDS points for every euro spent on your C smart NEON card. Offer applies to new and existing customers.
  • Safety that brings you peace of mind — at an even better price! 10% discount on Life+ accident insurance for children and young people aged 1 to 17! Parents who are Citadele customers can purchase a policy.**
  • Smart Piggybank in the app! When you open a Smart Piggybank and set up rounding, you can earn 3% per year on your savings! Piggybank available from age 7. Find out more about the Piggybank here.***
  • Our most stylish payment tool: a payment ring with no processing fee! Available for 0 C REWARDS points using the code CITADELERING! (usually: 1500 C REWARDS points).****

* Offer does not apply to customers with temporary residence permits and work visas, students from overseas, or customers who have been a Citadele client within the past 6 months.
** Service provided by AAS CBL Life, represented by insurance agent AS Citadele banka. Apply for a free consultation to learn more about Life+ insurance and receive a personalised offer — here.
*** Rates apply from 14.05.2025. Annual percentage rate may vary. Interest calculated on average monthly balance, assuming that the year has 360 days and a month has 30 days, and interest is paid at the end of the month. Private individuals can only open one Piggybank account. The maximum amount on which interest is calculated is 10 000 EUR. Deposits up to 100 000 EUR are protected under the Deposit Guarantee Law of the Republic of Latvia. View the Terms and Conditions at citadele.lv.
**** Offer valid for customers aged 18 and over.

To reach your goals choose the most suitable loan type – consumer loan, small home loan, home energy efficiency loan or car loan.

  • Apply online, get the offer within 10 minutes and receive money in your account within a few minutes.
    • Apply for a loan
photo

When you’re planning on buying a new home, we offer a choice of loans with great terms to best suit your needs: a mortgage loan to purchase, build or renovate your chosen home; a loan for the purchase of building land; or a Green mortgage loan for the purchase or construction of a home which complies with the highest energy-efficiency standards.

  • 0 EUR processing fee and free valuation of the property, when you submit a new mortgage loan application 30.07.2025–31.01.2026 and show a valid Latvian Family of Honour certificate.1
  • Free home insurance for the mortgaged property for the first year of your agreement.
  • Apply for a loan online, follow along with the process and receive an offer electronically.
Apply for a loan
photo

More convenient everyday with C cards – enjoy the benefits of the card.

  • Free transfers in EUR across Europe and cash withdrawals free of charge worldwide (within card’s limit).
  • Card without monthly fee – try C prime for 3 months and C supreme for 2 months for free.
  • Travel and shopping insurance – basic for C supreme card, while C prime card holders enjoy extensive insurance for purchases and travel for the entire family.
  • Apply for C card in mobile app at a convenient time and place for you.
View cards
Two Citadele payment cards: C prime (gray with a rainbow shimmer) and C supreme (gold) with VISA logo.

Get even more from your card - C card rewards you for shopping!

  • When you sign up for the C REWARDS program (it’s free), you collect points for each purchase to get the prize of your choice.
  • Exchange points for free coffee, cinema ticket or restaurant meal, Wolt vouchers or other prizes from our shopping, gourmet and leisure offering.
  • Receive monthly special offers and benefit from discounts with our partners in shops, cafes and entertainment venues.
I want free prizes
photo

A term deposit is as exact as a clock: a set rate, set term, chosen currency, and clarity on how much you will receive at the end of the term.

Apply Find out more
photo

How can you save money while also caring for the environment? Our Green Savings Account satisfies both needs: you will increase your savings while simultaneously helping initiatives which allow us to live more sustainably.

Have a look at our deposit interest rates and Price list.

Apply Find out more
photo

Use Finoterapija.lv3, our free online tool, to organize your personal finances and receive a personalised savings and deposits plan right away.

3 Services are provided by companies in the Citadele Group: IPAS "CBL Asset Management", AAS "CBL Life" and AS "CBL Atklātais pensiju fonds”.

photo

Become a customer remotely

Become a customer through the Citadele mobile app wherever and whenever is convenient.

  • Takes just 7 minutes.
  • Receive your card by post within 3–5 business days.
  • You can use the bank’s digital services straight away.
Download app Scan and download the app

See opportunities online for businesses

  • One payment for all your everyday business needs: opening and servicing an account, free EUR transfers in Latvia and Europe, a C business card, authorisation tools, and access to the Citadele Business Portal for data analysis and issuing electronic invoices.
  • GREAT VALUE - become a customer until 30.09.2025. and use any service plan for your business daily needs first 12 months for free.
Become a customer Find out more
photo
  • Use up to 3 POS terminals for the first 6 months without rental fee.
  • The offer is valid for new and existing customers who sign the contract by 01.12.2025., and is applicable only if the customer has not had an active contract for this service with Citadele in the last 12 months.
Apply Find out more
photo
  • VISA, Mastercard card payments - serve card users worldwide.
  • Fast payment with Klix - provide fast, convenient payments for purchases with a phone number.
  • Multilink online bank payments - allow shoppers to pay directly from their bank account.
Apply More about the offer
photo

Apply for a loan of up to 70 000 EUR with ALTUM guarantee to develop your business or for various needs. No need to use your property as collateral.

  • Apply online, receive an answer within couple of hours and sign the agreement online.
  • After signing, the money will be in your business account within a few hours.
Receive an offer Find out more
photo

Become a business customer remotely

Time is money, so no one likes to spend time on things that can be done quickly. Fill out the application and the questionnaire remotely if you can represent your company alone. Become a customer in 20 minutes and enjoy the benefits of your business account in Citadele!

Become a customer
photo
photo

Business portal

Manage transactions and issue e-invoices in one place for free.

Learn more

1 Example: if you take out a 30-year loan secured by a real estate mortgage for 80 000 EUR with an interest rate per year of 2.20% + 6-month EURIBOR (for the purposes of this calculation, we have used the 6-month EURIBOR rate as of 28.07.2025, which is 2.101%), then your monthly payment is 395.94 EUR (for a total of 360 payments). APR 4.64%. The total amount to be paid by the customer (including repaying the loan, interest payments, a 0 EUR commission fee for processing the loan, a government fee of 0.1% of the mortgage sum for registering the loan in the land registry, and the annual insurance premium for the mortgaged property (assuming that it is 100 EUR starting from the second year after signing the loan agreement)) is 146 423.75 EUR. Borrow responsibly, and consider your ability to repay the loan.

chat logo