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. 10 EUR)
Cash withdrawal from account in Citadele bank and currency exchange 1% of amount (min. 10 EUR)
Additional commission for coin processing for EUR coins 10% of amount (min. 20 EUR)
Cash withdrawal over the branch limit 3% of deal amount (min. 25 EUR)
Escrow account
Processing of standard agreement of escrow account or amendments 0.4% of transaction amount (min. 100 EUR)
Payments
Investigation, amendment of payment or sending of cancellation’s request 50 EUR
X credit cards (USD)
X hero X Platinum 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%4
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)5
Fast track visit in RIX airport Not offered EUR 10 (VAT included)6
Concierge service Not offered USD 200 per year per each card Free of charge
Currency exchange mark-up fee 4.3%
Citadele payment card with e-ticket functionality
Service Fee
Maintainance of the payment card and / or supplementary card 1.49 EUR per month
Cash withdrawal in Citadele bank ATMs in Latvia Free of charge up to 750 EUR7 per month, 1% from amount above
Cash withdrawal in ATMs of other banks 1 transaction or 750 EUR7 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%
Currency exchange mark-up fee 4.3%
Payment from account and bill payment in ATM As from Mastercard Debit bundle
Mastercard Gold
Service Fee
EUR USD
Fee for card and/or supplementary card 8 EUR per month 100 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%
Cash withdrawal at POS terminals at merchants Not available
Currency exchange mark-up fee 4.3%
Payment from account As from Mastercard Debit bundle + 3%
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport9 30 EUR (VAT included)
Concierge service10 200 EUR per year 300 USD per year
Mastercard Debit bundle12
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 electronically13 0.38 EUR
Payments to own account within Citadele group, bill payment in ATM14 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 EUR7 per month, 1% from amount above
Cash withdrawal in ATMs of other banks 1 transaction or up to 750 EUR7 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 currency15 35 EUR
SEPA and payment within Citadele bank via Skybranch 7 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 smart12
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 electronically13,16 Free of charge
Payments to own account within Citadele group, initiated electronically, bill paymen in ATM14,16 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 EUR7 per month, 1% from amount above
Cash withdrawal in other banks ATMs 750 EUR7 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 and replacement upon customer’s request Free of charge
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
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)
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 orders11 15 EUR
  • 1 Information on cash limits of “Citadele” branch can be found on the Bank's website "Payments and Transactions".
  • 2 Cash deposit EUR, USD in Mortgage credit repayment account, Citadele Ekspress credit repayment account, account determined in contract on payment cards dept restructurization (Contract on dept repayment or contract on Credit for Private consumtion) - free of charge.
  • 3 Commission fee for current accounts is the same as from Mastercard Debit Bundle.
  • 4 The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
  • 5 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.
  • 6 For X Infinite within a calendar year, 8 visits to main user is offered free of charge.
  • 7 The indicated amount is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
  • 8 With prior 7 calendar days notice to Citadele Bank. Without prior notice 1% + fee as from current account.
  • 9 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.
  • 10 Fee for service is calculate for every card that is conncted to Concierge Service, including supplementary cards/each user.
  • 11 Processing of payment related to sworn judicial executor’s orders and State Revenue Service’s collection orders as from Mastercard Debit bundle.
  • 12 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.
  • 13 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as SEPA.
  • 14 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as payments within Citadele group.
  • 15 Detailed information is found on webpage www.citadele.lv
  • 16 Payments processed from current accounts are subject to the Mastercard Debit bundle payment fees.