Products and services that are no longer offered

Gold
Service	Fee
Gold trading (only non-cash transactions)	Information in Citadele bank
Gold keeping in the bank	0.035% per month (min. 30 EUR per month)
Safe keeping services
Service	Fee
Safe-box rent
XS (height to 55 mm), S (height to 95 mm), M (height to 145 mm)	58 EUR per month /580 EUR per year
L/XL, height to 300 mm	94 EUR per month /940 EUR per year
Commission fee for safe-box opening if customer has lost the key of the safe box	330 EUR
Commission fee for customer’s safe-box content’s storage in Citadele Bank’s joint safe-box	23 EUR per month (VAT included)
Increased fee for renting a non-released safe deposit box after the end of the rental period (per day)	5 EUR (VAT included)
Citadele payment card
Service	Fee
Maintainance of the payment card and / or supplementary card	1.99 EUR per month
Cash withdrawal in Citadele bank ATMs in Latvia	Free of charge up to 750 EUR¹ per month, 1% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or 750 EUR¹ per month - free of charge, 2% (min. 3.50 EUR) from amount above
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%
Late payment interest (per annum)	36%
Currency exchange mark-up fee	4.3%
Payment from account	As from Mastercard Debit bundle
Mastercard Debit payment card for youth²
Service	Fee
Maintainance of the card	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 EUR¹ per month, 1% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or 750 EUR¹ per month - free of charge, 2% (min. 3.50 EUR)from amount above
Interest for unauthorised negative balance (per day)	0.175%
Late payment interest (per annum)	36%
Currency exchange mark-up fee	4.3%
Electronic currency exchange	In accordance with Citadele bank rate
Payment from account	As from Mastercard Debit bundle
Maestro
Service	EUR	USD
Maintainance of the card (with up to 3 additional current accounts) and / or supplementary card	1.40 EUR per month	20 USD per year
Commission fee for goods and services purchase	Free of charge	0.5%
Payments from account	As from Mastercard bundle
Cash withdrawal in Citadele bank ATMs in Latvia	Free of charge up to 750 EUR¹ per month, 1% from amount above	2% (min. 6 USD)
Cash withdrawal in ATMs of other banks	1 transaction or 750 EUR¹ per month - free of charge, 2% (min. 3.50 EUR)from amount above	2% (min. 6 USD)
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%
Currency exchange mark-up fee	0.175%
Late payment interest (per annum)	36%
SMS sent to customer about card transactions	0.11 EUR/Free of charge for Seniors aged over 60
Electronic currency exchange	4.3%
Citadele payment card with e-ticket functionality
Service	Fee
Maintainance of the payment card and / or supplementary card	1.99 EUR per month
Cash withdrawal in Citadele bank ATMs in Latvia	Free of charge up to 750 EUR per month¹, 1% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or 750 EUR per month¹ - free of charge, 2% (min. 3.50 EUR)from amount above
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%
Payment from account and bill payment in ATM	As from Mastercard Debit bundle
Mastercard credit card
Service	EUR	USD
Fee for card and/or supplementary card	22 EUR per year³ / 2.99 EUR per month⁴	50 USD per year
Commission fee for goods and services purchase	Free of charge	0.5%
Cash withdrawal in ATMs	3% (min. 3.50 EUR)	3% (min. 6 USD)
Minimum instalment	5% of the spent credit limit amount + 100% of excess expenditure
Interest for unauthorised negative balance (per day)	0.175%
Late payment interest (per annum)	36%
Currency exchange mark-up fee	4.3%
VISA Electron
Service	Fee
Fee for card/supplementary card	1.40 EUR monthly
Payment from account	As from Mastercard bundle
Cash withdrawal in Citadele Bank (Latvia) ATMs	Free of charge up to 750 EUR¹ per month, 1% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or 750 EUR¹ per month - free of charge, 2% (min. 3.50 EUR)from amount above
Cash withdrawal in other banks, in ATMs of other banks	2% (min. 3.50 EUR)
Amount of credit limit	Not offered
Minimum instalment	5% of the spent credit limit amount + 100% of excess expenditure
Interest for unauthorised negative balance (per day)	0.175 %
Late payment interest (per annum)	36%
Studies/Student Credit
Service	Fee
Consideration of an application for amendments to provisions of the agreement	Free of charge
Change of the pledge; Execution of amendments to provisions of the agreement; Issuing of credit, warranty agreement’s copy; Reiterative issue of schedule at the customer’s (int. al. pledgor) request	50 EUR

¹ The indicated amount is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
² Aged 7 till 21.
³ Fee for card issued before 21.09.2016.
⁴ Fee for card issued after 21.09.2016.
⁵ With prior 7 calendar days notice to Citadele Bank. Without prior notice 1% + fee as from current account.