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Payments

Extensive payment options that fit your habits and opportunities.

Pay in the way that is best for you

Make payments through the online bank, mobile app or an ATM.

Instant payments

Pay rapidly to more than 1900 European Union banks.

Free transfers

Become a C card holder and pay zero commission on EUR transfers within Europe.

Payment types

What payment could be simpler! To make a transfer, all you need is a phone number — you don’t need to know someone’s bank account number.

  • You can make payments to phone numbers which have been registered to the Bank of Latvia Instant Links Registry.
  • The payment commission is the same as for payments made to an account number. EUR transfers are commission free for C card users within the European Union.
  • Citadele customers can easily register their phone number in the Bank of Latvia Instant Links Registry using the Citadele app (under More > Settings > Instant link).
Download the mobile app
Citadele mobile app screen for making a payment to a phone number, showing the phone number input field, amount, and Continue button.

Instant payments are Euro transfers 24 hours a day, 7 days a week, 365 days a year including bank holidays.

  • Transfer up to 15 000 EUR (legal persons - up to 100 000 EUR) instantly to other Latvian banks or to more than 1900 European Union banks.
  • Make instant payments through the mobile app or online bank.
  • A successful instant payment reaches the recipient’s bank account in just 10 seconds.
  • If the recipient bank cannot accept the payment as an instant payment, or if it requires additional checks to process, the instant payment may be rejected and instead processed as a standard Euro payment within the European Union.
Citadele mobile app screen with a payment confirmation window, instant payment feature enabled, and Confirm Payment button.

If you make regular payments of a fixed amount, for example, for electricity, leasing, internet, rent or television, you can entrust Citadele with paying them.

  • Set up a regular payment, and the bank will ensure the payment is made from your account to the recipient with set regularity.
  • Regular payments can be made both to Citadele accounts and other Latvian banks.
  • You can set up, change or cancel regular payments in the online bank for free.
Find out more
A woman is holding a laptop in her lap, with the payment section of Citadele's online bank displayed on the screen.
  • Set up the E-invoice Regular Payment Service (ERRA) and Citadele will pay your bills by transferring the money from your account. You can set the payment limit yourself.
  • Pay bills from more than 120 businesses at Citadele ATMs. See your e-invoices here.
  • If you are not a Citadele online banking user, you can set up ERRA at any of our branches or by calling 6701 0000.
Find out more Set up online bank
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Verification of Payee (VoP)

Verification of Payee (VoP) is a service that helps you check if the name of the person or company you want to pay matches the account number (IBAN) you entered. It is there to help you avoid mistakes and reduce some fraud risks.

Please note: VoP does not stop every type of fraud. It only tells you if the name you wrote matches the account details. Even if you see a full match, always stay careful when sending money – take a moment to ensure the money is going to a real person or company.

Once you’ve entered the payee’s name and account number, the bank’s system will automatically check if the recipient’s name matches the account number. You will see the result before confirming the payment.

  • Beneficiary name correct – name matches exactly
  • Beneficiary name corrected – similar name, initial name changed to the correct name.
  • Beneficiary name mismatch – warning about a mismatch.
  • Service unavailable – temporary unavailability of verification service.

You can still proceed with the payment even if there’s mismatch. However, to avoid fraud, it’s recommended to check why the name doesn’t match the account number.

What other transfer types are available?

Internal transfers

Transfers between your own Citadele accounts, as well as between different Citadele clients throughout the Baltics.

SEPA payments

SEPA payments are Euro payments to the banks within European Union and some countries outside EU – Great Britain, Iceland, Liechtenstein, Norway, Switzerland, Monaco, Andorra, San Marino. IBAN account of the beneficiary is mandatory requirement for SEPA payment. SEPA payments are completed as standard payments. You can see submission and processing times here.

International payments

Euro or overseas currency payments to banks outside SEPA area. It is important to remember that, when making payments to or from the countries that require due diligence due to sanctions, payments may be subject to an increased commission fee.
Practical tips on how to make international payments can be found here.

Laptop screen with an open online bank 'Currency Exchange' section, where the user can select account, currency, and amount.

Non-cash currency exchange

You can exchange currency in the Citadele online bank even to a currency which is not your account currency. If you do this from a multi-currency account, you will automatically be offered our improved exchange rate based on the amount to be exchanged.

Currency converter

Escrow account

If you are planning a significant transaction and want to reduce the risk that the other party does not fulfil its obligations, set up an escrow account. When you use an escrow account, you ensure that money is paid for the transaction only once the other party has fulfilled their obligations.

  • Complete real estate and other transactions.
  • There may be an increased commission fee if there are more than three parties involved in the transactions; the agreement must be prepared in another language; the account needs to be opened urgently; or the standard terms and conditions are changed per the customer’s request.
  • When submitting an application to set up an escrow account, it must be signed by both parties.
  • Send your electronically-signed application for an escrow account to info@citadele.lv, or fill in a free-form order through the online bank and attach the application as an attachment. You can also submit an application in person at any Citadele branch.
Fill in an application Price List
Four C cards (C Infinite, C smart, C supreme, C prime) on a light background, highlighting their design and colors.
Four C cards (C Infinite, C smart, C supreme, C prime) on a light background, highlighting their design and colors.

Commission-free transfers!

C card users (C smart, C supreme, C prime and C Infinite) don’t have to pay commission on payments within Citadele, instant payments, and standard Euro payments within the European Union, regardless of how many payments they make.

More on C cards

Any questions on payments?

Select the topic that interests you and find the answer to your question.

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Making payments

Through the mobile app or online bank, online card payments
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E-invoice Regular Payment Service (ERRA)

Setup, invoice statuses, problems
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Delayed payments

For outgoing or incoming payments
All topics

Payments

Service
Service Fee
Type of payment
Type of payment From C cards account , electronically 1, 2 From the current account, the MC Debit account, and other accountss, electronically 2 In branch or SkyBranch 3 International customers, electronically4
Payments to own account within Citadele group
Payments to own account within Citadele group Free of charge Free of charge 10 EUR As for residents
Payment to another account within Citadele group
Payment to another account within Citadele group Free of charge 0.10 EUR 10 EUR As for residents
Standard EUR payments within the EU (SEPA, SEPA Instant payments)
Standard EUR payments within the EU (SEPA, SEPA Instant payments) Free of charge 0.38 EUR 10 EUR As for residents
Payments outside SEPA in any currency 5
Payments outside SEPA in any currency 5 18 EUR 18 EUR Not offered 75 EUR
Urgent payments outside SEPA in any currency 5
Urgent payments outside SEPA in any currency 5 35 EUR 35 EUR Not offered 100 EUR
Non-SEPA incoming transfers with commission type BEN and SHA 5
Non-SEPA incoming transfers with commission type BEN and SHA 5 5 EUR 5 EUR Not offered 10 EUR

1 Special conditions apply to payments initiated from C smart, C Supreme, C Prime, C Infinite accounts.

2 Payments initiated in the Internetbank, MobileApp and bill payments made at ATMs, regular payments and e-invoice payments.

3 SEPA instant payment not available at Branch, Sky Branch. Information on the maximum amount limit of the payment initiated in Sky Branch is available on the Bank's website and in the customer service units.

4 International customers - All private individuals who don't have permanent or temporary residence permit issued by Office of Citizenship and Migration Affairs Republic of Latvia, who are employees of legal entity registered in the Register of Enterprises of the Republic of Latvia based on working visa or who are studying in the educational institution registered in Latvia.

5 Detailed information about currencies available for payments and information on payment submission and execution cut-off times, can be found on webpage https://www.citadele.lv/en/private/payments/execution/ .

Other payment services

Service Fee
Regular payment service or e-invoice regular payment service implementation/agreement amendment Free of charge (Electronically); 10 EUR (In branch or SkyBranch)
Additional fee for processing payment made from/to countries with sanction risk of and/or countries where payment processing requires enhanced due diligence 1 30 EUR
Investigation, amendment of payment or sending of cancellation’s request 50 EUR

1 The fee is taken in addition to the standard fee for 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/en/private/payments/special-conditions/ .

See full price list

Payments

Service / Fee
Service / Fee Elektroniski1 Filiālē vai SkyBranch2
Payments to own account within Citadele group
Payments to own account within Citadele group Free of charge 10 EUR
Payment to another customer's account within Citadele group
Payment to another customer's account within Citadele group 0.20 EUR 10 EUR
Standard EUR payments within the EU (SEPA, SEPA Instant payments)
Standard EUR payments within the EU (SEPA, SEPA Instant payments) 0.55 EUR 10 EUR
Payments outside SEPA in any currency3
Payments outside SEPA in any currency3 18 EUR Not offered
Urgent payments outside SEPA in any currency3
Urgent payments outside SEPA in any currency3 35 EUR Not offered
Salary payments4
Salary payments4 Free of charge Not offered
Non-SEPA incoming transfers with commission type BEN and SHA
Non-SEPA incoming transfers with commission type BEN and SHA 5 EUR Not offered

1 Payments initiated in the Internetbank, MobileApp, bill payments made at ATMs, regular payments and eInvoice regular payments.

2 SEPA instant payment not available at Branch and Sky Branch. Information on the maximum amount limit of the payment initiated in Sky Branch is available on the Bank's website and in the customer service units.

3 Detailed information about currencies available for payments and information on payment submission and execution cut-off times, can be found on webpage https://www.citadele.lv/en/private/payments/execution/

4 Payments within Citadele bank, submitted in Internetbank through Salary payment register or through file import as salary payment.

Other payment services

Service / Fee
Service / Fee Electronically1 In branch or SkyBranch2
Regular payment service or e-invoice regular payment service implementation/agreement amendment
Regular payment service or e-invoice regular payment service implementation/agreement amendment Free of charge 10 EUR
Investigation, amendment of payment or sending of cancellation’s request
Investigation, amendment of payment or sending of cancellation’s request 50 EUR

1 Payments initiated in the Internetbank, MobileApp, bill payments made at ATMs, regular payments and eInvoice regular payments.

2 SEPA instant payment not available at Branch and Sky Branch. Information on the maximum amount limit of the payment initiated in Sky Branch is available on the Bank's website and in the customer service units.

See full price list

More opportunities

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Online bank

A convenient and secure method of managing your finances, applying for various loans or signing agreements for your chosen products.
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Find out more
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C cards

Free money transfers within Europe and free cash withdrawals from ATMs worldwide. C REWARDS prizes and discounts.
Find out more