Non-core products and services

Effective since 20.08.2022

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 bank 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)
Escrow account
Processing of standard agreement of escrow account or amendments 0.4% of transaction amount (min. 100 EUR) Non standard case fee is set individually
Payments
Investigation, amendment of payment or sending of cancellation’s request 50 EUR
Additional fee for processing payment made from / to countries with sanction risk of and/or countries where payment processing requires enhanced due diligence15 150 EUR
X credit cards (USD)
X supreme X prime X Infinite
Maintainance 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 As from Mastercard Debit bundle + 3%2
Minimum instalment 5% of the used credit limit amount + 100% of the fees and interest
Interest for unauthorised negative balance (per day) 0.175%
Commission fee for goods and services purchase 0.5%
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)3
Fast track visit in RIX airport Not offered EUR 10 (VAT included)4
Concierge service Not offered USD 200 per year per each card Free of charge
Currency exchange mark-up fee 4.3%
Mastercard Debit bundle10
Service Fee
EUR
Maintainance of the card and / or supplementary card 4 EUR per month
Opening and maintenance of current account Free of charge
SEPA, SEPA Instant payments initiated electronically11 0.38 EUR
Payments to own account within Citadele group, bill payment in ATM12 Free of charge
Payment to the account of other customer within Citadele group, initiated electronically 0.10 EUR
Cash withdrawal in Citadele bank ATMs in Latvia Free of charge up to 750 EUR5 per month, 1% from amount above
Cash withdrawal in ATMs of other banks 1 transaction or up to 750 EUR5 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
Payments outside SEPA in any currency 15 EUR
Urgent payments outside SEPA in any currency13 35 EUR
Standard EUR payment within the EU (SEPA) and payment within Citadele bank initated in branch or via Skybranch 10 EUR
Non- SEPA incoming transfers with commission type BEN and SHA 5 EUR
SMS sent to customer about card transactions 0.15 EUR/Free of charge for Seniors aged over 60
X smart10
Service Fee
EUR
Maintainance of the card and / or supplementary card 4 EUR per month
Opening and maintenance of current account Free of charge
New card issue (instead of existing) Free of charge
SEPA, SEPA Instant payments initiated electronically11,14 Free of charge
Payments to own account within Citadele group, initiated electronically, bill paymen in ATM12,14 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 EUR5 per month, 1% from amount above
Cash withdrawal in other banks ATMs 750 EUR5 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
Other payment card services
Service Fee
Balance review in Citadele bank (Latvia) ATMs Free of charge
Balance review in ATMs of other banks 1.20 USD
Cash and POS operations’ daily or monthly limit increase above limit set in Pricelist, for one payment card EUR 7 or equivalent which is deducted from customer’s account upon receipt of customer’s application and limit increase
Late payment interest (per annum) 36%
Authorization Devices
Service Fee
Issuing of Code card Free of charge
Replacement of Code card upon customer’s request 4 EUR
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 orders9 15 EUR
  • 1 Information on cash limits of “Citadele” branch can be found on the Bank's website "Payments and Transactions".
  • 2 The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
  • 3 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.
  • 4 For X Infinite within a calendar year, 8 visits to main user is offered free of charge.
  • 5 The indicated amount is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
  • 6 With prior 7 calendar days notice to Citadele Bank. Without prior notice 1% + fee as from current account.
  • 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 calculate for every card that is conncted to Concierge Service, including supplementary cards/each user.
  • 9 Processing of payment related to sworn judicial executor’s orders and State Revenue Service’s collection orders as from Mastercard Debit bundle.
  • 10 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.
  • 11 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as SEPA.
  • 12 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as payments within Citadele group.
  • 13 Detailed information is found on webpage www.citadele.lv
  • 14 Payments processed from current accounts are subject to the Mastercard Debit bundle payment fees.
  • 15 The fee is taken in addition to the standard fee for incoming and outgoing payments and the fee is charged from the Customer account regardless of payment commission type. List of countries to which additional fee is applied is published in https://www.citadele.lv/lv/private/payments/execution/