X smart account bundle

X smart account bundle
Service Fee
Maintainance of the card and / or supplementary card 1.49 EUR per month / Free of charge for Youth Aged 7-21
Opening and maintenance of current account Free of charge
SEPA, SEPA Instant payments initiated electronically1,2 Free of charge
Payments within Citadele bank, initiated electronically, bill payment in ATM3 Free of charge
SMS sent to customer about incoming sum to account Free of charge
Cash withdrawal in Citadele bank ATMs in Latvia Free of charge up to 800 EUR4 per month, 0.29% from amount above
Cash withdrawal in other banks ATMs 5 transactions or 800 EUR4 max per month - free of charge, above limit 2% (min. EUR 3.50)
Credit limit repayment (at the end of the month) 5% of the used credit limit amount + 100% of the fees and interest
Credit limit interest (per annum) 28%
Interest for unauthorised negative balance (per day) 0.175%
Currency exchange mark-up fee 3%
Electronic currency exchange In accordance with Citadele bank rate
Payments outside SEPA in any currency 15 EUR
Urgent payments outside SEPA in any currency5 35 EUR
SEPA and Payment within Citadele bank via Sky Branch 7 EUR
  • 1 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as SEPA.
  • 2 Payments processed from current accounts are subject to the Mastercard Debit bundle payment fees.
  • 3 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as internal payment.
  • 4 EUR 800 is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
  • 5 Detailed information is found on webpage www.citadele.lv