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)
Citadele payment card
Service	Fee
Maintainance of the payment card and / or supplementary card	1.49 EUR mēnesī
Cash withdrawal in Citadele bank ATMs in Latvia	Free of charge up to 800 EUR¹ per month, 0.29% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or 800 EUR¹ max per month - free of charge, above limit 2% (min. 3.50 EUR)
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%
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 800 EUR per month, 0.29% from amount above
Cash withdrawal in ATMs of other banks	1 transaction or up to 800 EUR 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
Maestro
Service	EUR	USD
Maintainance of the card (with up to 3 additional current accounts) and / or supplementary card	1.30 EUR per month / 1 EUR per month for Seniors Aged over 60	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 800 EUR¹ per month, 0.29% from amount above	2% (min. 6 USD)
Cash withdrawal in ATMs of other banks	1 transaction or up to 800 EUR¹ per month - free of charge , above limit 2% (min. EUR 3.50)	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%
Electronic currency exchange	4.3%
Mastercard credit card
Service	EUR	USD
Fee for card and/or supplementary card	22 EUR per year³ / 2.20 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%
Currency exchange mark-up fee	4.3%
VISA Electron
Service	Fee
Fee for card/supplementary card	1.30 EUR monthly
Payment from account	As from Mastercard bundle
Cash withdrawal in Citadele Bank (Latvia) ATMs	Free of charge up to 800 EUR per month, 0.2% 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 %
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 EUR 800 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.