Non-core products and services

Effective since 01.08.2024

Non- core products and services

Cash operations¹
Service	Fee
Cash deposit to account in Citadele bank per each deposit (incl. payment in EUR up to EUR 15 000 to State Treasury without using current account)	0.5% of amount (min. 30 EUR)
Cash withdrawal from account in Citadele bank¹	1% of amount (min. 22 EUR) for amount up to 10 000 EUR, 3% of amount if the transaction amount is 10 000,00 EUR and above
Additional commission for coin processing for EUR coins	10% of amount (min. 40 EUR)
EUR cash deposits through Citadele bank’s ATMs to accounts of payment cards issued by Citadele bank for international customers²	3% of amount (min. 10 EUR)
Escrow account
Fee for verification of private person documents upon escrow account opening for customers who have a personal identity document issued outside Latvia and do not hold a permanent residence permit issued in Latvia	350 EUR
Processing of standard agreement of escrow account or amendments	0.4% of transaction amount (min. 100 EUR) Non standard case fee is set individually
Basic account with Mastercard Debit
Service	Fee
Opening the basic account	Free of charge
Maintenance of the card and / or supplementary card	2.20 EUR per month
Cash withdrawal in Citadele bank ATMs in Latvia	Free of charge up to 750 EUR ⁶ per month, 1% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or up to 750 EUR⁶ per month - free of charge , above limit 2% (min. EUR 3.50)
Interest for unauthorised negative balance (per day)	0.175%
Currency exchange mark-up fee	4.3 %
Electronic currency exchange	In accordance with Citadele bank rate
SMS sent to customer about card transactions	0.15 EUR
Balance review in Citadele bank (Latvia) ATMs	Free of charge
Balance review in other bank ATMs	0.50 EUR
Fee for renewed payment card received by post	1.50 EUR
Fee for renewed/replaced payment card received at the branch	10 EUR
C cards (USD)
	C supreme	C prime	C Infinite
Service	USD	USD	USD
Maintenance of the card (with up to 3 additional current accounts) and / or supplementary card	50 USD per year	100 USD per year	650 USD per year
Cash withdrawal in ATM	3% (min. USD 6)
Payment from account	Standard payment fee + 3%³
Minimum instalment	5% of the used credit limit amount + 100% of the fees and interest
Electronic currency exchange	In accordance with Citadele bank rate
Late payment interest (per annum)	36%
Interest for unauthorised negative balance (per day)	0.175%
Commission fee for goods and services purchase	0.5%
Fee for renewed payment card received by post	1.50 EUR
Fee for renewed/replaced payment card received at the branch	10 EUR
Priority Pass	Not offered	Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport	Not offered	30 EUR (VAT included)⁴
Fast track visit in RIX airport	Not offered		EUR 10 (VAT included)⁵
Concierge service	Not offered	Not offered	Free of charge
Currency exchange mark-up fee	4.3%
Balance review in Citadele bank (Latvia) ATMs	Free of charge
Balance review in ATMs of other banks	1.20 USD
Mastercard Debit bundle⁹
Service	Fee
	EUR
Maintenance of the card and / or supplementary card	2.20 EUR per month
Cash withdrawal in Citadele bank ATMs in Latvia	Free of charge up to 750 EUR⁶ per month, 1% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or up to 750 EUR⁶ 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	4.3%
Electronic currency exchange	In accordance with Citadele bank rate
SMS sent to customer about card transactions	0.15 EUR
Fee for renewed payment card received by post	1.50 EUR
Fee for renewed/replaced payment card received at the branch	10 EUR
C smart⁹
Service	Fee
	EUR
Maintainance of the card and / or supplementary card	2.20 EUR per month
New card issue (instead of existing)	Free of charge
SEPA, SEPA Instant payments initiated electronically^10,11	Free of charge
Payments to account within Citadele group, initiated electronically, bill paymen in ATM^10,11	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 750 EUR⁶ per month, 1% from amount above
Cash withdrawal in other banks ATMs	750 EUR⁶ 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	4.3%
Electronic currency exchange	In accordance with Citadele bank rate
Fee for renewed payment card received by post	1.50 EUR
Fee for renewed/replaced payment card received at the branch	10 EUR
Other payment card services
Service	Fee
Late payment interest (per annum)	36%
Authorization Devices
Service	Fee
Issuing of DIGIPASS GO3	12 EUR
Unlocking of DIGIPASS GO3, if it is locked for use in Online banking	Free of charge
Replacement of DIGIPASS GO3 due to technical reasons (within 2 years from the moment of connection)	Free of charge
Additional services
Service	Fee
Processing of each received document for acceptance, inspection and execution of sworn judicial executor’s orders and State Revenue Service’s collection orders¹²	15 EUR
Usage of courier deliveries and postal services upon customer's request for document and other values sending	25 EUR + actual expenses (VAT included)

¹ Information on cash limits of “Citadele” branch can be found on the Bank's website "Payments and Transactions". https://www.citadele.lv/en/private/payments/cash-limits/
² International private customers are all private individuals without Temporary / permanent residence permit, working or study VISA issued by Latvian state authorities.
³ The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
⁴ Fee for visit (set in EUR) will be converted in card account’s currency according to Citadele Bank exchange rate for non-cash operations, for the day when mentioned fee will be booked into account. For Priority Pass cards, issued before 11.02.2019. within a calendar year, three visits to airport’s VIP lounge to main card user is offered free of charge. For Priority Pass cards, issued after 11.02.2019. within a calendar year,five visits to airport’s VIP lounge to main card user is offered free of charge.
⁵ For X Infinite within a calendar year, 8 visits to main card user is offered free of charge.
⁶ The indicated amount is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
⁷ Fee for visit (set in EUR) will be converted in card account’s currency according to Citadele Bank exchange rate for non-cash operations, for the day when mentioned fee will be booked into account. For Priority Pass cards, issued before 11.02.2019. within a calendar year, three visits to airport’s VIP lounge to main card user is offered free of charge. For Priority Pass cards, issued after 11.02.2019. within a calendar year,five visits to airport’s VIP lounge to main card user is offered free of charge.
⁸ Fee for service is calculated for every card that is connected to Concierge Service, including supplementary cards/each user.
⁹ Foreign passport holder with temporary residence permit, foreigner work visa or foreigner students.The amount of the commission fee is related to additional mandatory enhanced due-diligence activities.
¹⁰ Payments initiated in Internetbank, MobileApp, regular payments, eInvoice regular payments.
¹¹ Payments initiated from current accounts are subject to a standard payment fee.
¹² The commission fee for the payment made in accordance with the sworn judicial executor’s orders and State Revenue Service’s collection orders is applied as for a standard payment.