https://www.citadele.lv/en/private/invest/shares

Notification on Cookie Use

On our website, we use our own and third-party cookies. Essential cookies, which help us run and secure the website, do not need your consent. For the use of statistics, analytics and marketing cookie, we need your consent in order to provide more convenient website and online service usage, and offer you relevant content and services depending on your usage habits. You can agree to this us of cookies by clicking Agree, and you can cancel or adapt this at any time using the following link: Cookie Settings. Find out more: Cookie Terms and Conditions.

https://www.citadele.lv/en/private/invest/shares

Shares*

For those who are looking for new opportunities and are ready to take higher investment risks

photo

*AS Citadele Banka does not provide investment portfolio management services, fund and asset management services, individual consultations on investing in financial instruments or recommendations regarding the capital market. These services are offered by other companies in the Citadele group: PIAS CBL Asset Management, AAS CBL Life and AS CBL Atklātais Pensiju Fonds.

icon

Earn from share price increases

by investing your money in international economies and businesses

icon

Purchase any number of shares

and invest even a small amount

icon

Gain an income from company dividends,

if the company decides to disburse profit to shareholders

Special offer

For more profitable transactions with securities


When you open a financial instrument account at Citadele*, get

  • a 25 % discount on commission fees for transactions with securities
  • a 50 % discount on monthly holding fees for securities

Offer applies: 1.07.2022.- 31.03.2023.

photo

Capital investment options:


A share is a security issued by a business which serves as proof that they own a share, or capital part, of said business. A shareholder is a co-owner of the company, who gains all the rights and obligations that come with this.

photo

These are a type of investment fund in which you invest in the shares of several different companies simultaneously. The fund is managed by a professional manager who selects the companies (market leaders) to ensure that customers have greater profits in the long term.

photo

3 simple steps to start investing

icon

Sign an agreement with Citadele bank

on the opening of a financial instrument account and the enabling of transactions with financial instruments (in accordance with which Citadele will open a financial instrument and financial instrument cash account for you)
icon

Transfer funds

to your financial instrument cash account
icon

Submit a security purchase/sale order

with a few clicks
icon

Sign an agreement with Citadele bank

on the opening of a financial instrument account and the enabling of transactions with financial instruments (in accordance with which Citadele will open a financial instrument and financial instrument cash account for you)
icon

Transfer funds

to your financial instrument cash account
icon

Submit a security purchase/sale order

with a few clicks

What are the risks when investing in shares?

photo

Compared with a well-diversified investment fund, investing in shares is relatively risky due to large fluctuations in prices. This type of investment has the best potential for profit and also the biggest risk, especially when investing in individual shares rather than in several shares at once. Therefore, when investing in an investment fund, some of the individual share risk is compensated by other shares.

How do I reduce the risk of investing in shares?


You can reduce risks by:

  • planning your investments in the long term and not panicking when the market, share prices or fund prices fall
  • diversifying your portfolio with the shares of different types of companies in different industries, including by choosing to invest in share funds
Apply for a conversation
photo

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How much do financial instrument transactions and financial instrument account servicing cost?

Financial instrument purchase and sale transactions are subject to brokerage commissions which are calculated based on the type of financial instrument and the size of the transaction, but please bear in mind that there is a minimum commission fee per transaction, and in some markets there may be an additional fee for transactions. 
You can see brokerage commissions on our Price List under Brokerage Services

Meanwhile, the following commission fees apply for financial instrument account servicing: 

  • a monthly fee for holding financial instruments, taken in the customer’s chosen base portfolio currency;
  • a commission fee for the customer’s chosen transaction (receiving, transferring or deregistering securities), which is taken in the transaction currency; 
  • a fee for processing orders for corporate events or tax certification documents for certain financial instrument types. 

You can see the full list of service prices on the Price List under Financial Instrument Account Servicing

Commission fees are taken automatically from the money in the customer’s financial instrument account. Customers must ensure that they have a sufficient balance, otherwise there may be a commission fee for a negative balance.

How do I open a financial instrument account?

Existing bank customers can open a financial instrument account. They must have a current account or card account open. We recommend also activating the online bank. 

To open a financial instrument account, you must read the relevant documents, terms and conditions and sign an application to open a financial instrument account and transaction agreement. 

The easiest way to do this is for free through the Citadele online bank under Investments (New Order > Application to open a financial instrument account and transaction agreement). 

If necessary, you can also sign an agreement at any Citadele branch.

How do I submit an order for a financial instrument transaction?

You can submit an order both in person at any Citadele branch or remotely by phone or online bank. Access to certain markets is also available in our online trading platform and mobile app.

Can I receive a consultation from the bank on the best investments?

The bank does not give recommendations on the most suitable investment types, and does not recommend specific financial instruments, as only the customer can adequately evaluate and make decisions on their investments, needs and the suitability of specific financial instruments for their aims and requirements. 

However, we recommend that potential investors use Finoterapija, an online consultation prepared by Citadele subsidiary CBL Asset Management, which was created to help customers understand how to better manage their finances.

Do I have to pay taxes?

Yes, you must pay income tax on capital gains and on capital (dividend) income.

More questions
How much do financial instrument transactions and financial instrument account servicing cost?

Financial instrument purchase and sale transactions are subject to brokerage commissions which are calculated based on the type of financial instrument and the size of the transaction, but please bear in mind that there is a minimum commission fee per transaction, and in some markets there may be an additional fee for transactions. 
You can see brokerage commissions on our Price List under Brokerage Services

Meanwhile, the following commission fees apply for financial instrument account servicing: 

  • a monthly fee for holding financial instruments, taken in the customer’s chosen base portfolio currency;
  • a commission fee for the customer’s chosen transaction (receiving, transferring or deregistering securities), which is taken in the transaction currency; 
  • a fee for processing orders for corporate events or tax certification documents for certain financial instrument types. 

You can see the full list of service prices on the Price List under Financial Instrument Account Servicing

Commission fees are taken automatically from the money in the customer’s financial instrument account. Customers must ensure that they have a sufficient balance, otherwise there may be a commission fee for a negative balance.

How do I open a financial instrument account?

Existing bank customers can open a financial instrument account. They must have a current account or card account open. We recommend also activating the online bank. 

To open a financial instrument account, you must read the relevant documents, terms and conditions and sign an application to open a financial instrument account and transaction agreement. 

The easiest way to do this is for free through the Citadele online bank under Investments (New Order > Application to open a financial instrument account and transaction agreement). 

If necessary, you can also sign an agreement at any Citadele branch.

How do I submit an order for a financial instrument transaction?

You can submit an order both in person at any Citadele branch or remotely by phone or online bank. Access to certain markets is also available in our online trading platform and mobile app.

Can I receive a consultation from the bank on the best investments?

The bank does not give recommendations on the most suitable investment types, and does not recommend specific financial instruments, as only the customer can adequately evaluate and make decisions on their investments, needs and the suitability of specific financial instruments for their aims and requirements. 

However, we recommend that potential investors use Finoterapija, an online consultation prepared by Citadele subsidiary CBL Asset Management, which was created to help customers understand how to better manage their finances.

Do I have to pay taxes?

Yes, you must pay income tax on capital gains and on capital (dividend) income.

More opportunities

photo

2nd pension pillar

Pension plans with low commission fees, sustainable investments and the largest team of experts in Latvia. Choose CBL Pension Fund as your manager and ensure your pension savings grow more. Service provided by Citadele subsidiary CBL Asset Management.
Learn more
photo

Short terms savings

A way of saving for your goals using the benefits of the Krājkonts+ account and Term Deposits. Apply through the online bank and achieve your dreams.
Learn more
photo

Accumulative life insurance

Financial support in case of accidents, at the same time helping you to save for various goals. apply and receive an annual income tax rebate of up to 20 %. Service provided by Citadele subsidiary AAS CBL LIfe.
Learn more

In accordance with Republic of Latvia legislation, financial instruments are held separately from other bank assets, therefore the customer does not take on the risks of a situation where a bank is unable to operate, causing the bank to become bankrupt or insolvent, as well as of direct illegal activity aimed at the bank.