Modern payments
and transfers

Choose the best payment and transfer method for you

  • Instant paymentsPay instantly to more than 1,900 banks worldwide
  • Extensive payment optionsChoose yours according to your habits and availability
  • Automatic bill paymentApply, and the bank will take care of the rest

Choose the best!

You can make payments and transfers through the online bank, mobile app, ATM or in-branch

Payments to phone number

Payments are simpler from now on! Mobile phone number is now enough to make a transfer – you don't need to know the bank account number. Citadele is the first bank in Latvia that offers a possibility to send payments to telephone numbers of friends, relatives, colleagues or neighbours. What do you need to do?

  • Add your phone number to the Instant Links registry, held by the Bank of Latvia. You can do it via Citadele mobile application. Recipient needs to be registered as well
  • Use the Pay to phone number function. You'll find this by selecting the Pay option in the app. Select recipient's telephone number from the contact list or enter it manually
  • Payment commission will be the same as when you make a transfer to bank account number

Download mobile app

Instant payments

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

  • Transfer money instantly
  • Lightning-fast transfers of up to 1,000 Euro to more than 1,900 EU banks
  • Money will be in the recipient’s account within 10 seconds*
  • Money transferred by instant payment can be used immediately

*If the recipient’s bank cannot accept the payment as an instant payment, it will require additional checks. These payments are processed as normal payments.

Regular Payments

If you have regular payments for a fixed amount, such as electricity, leasing, internet, rent or television payments, the bank will take care of them, taking a regular standing order from your account

  • The payment of a standing order ensures the transfer of a fixed amount to the account set by you at regular times
  • Standing orders can be activated, changed, or, if necessary, cancelled for free through the online bank, in any of our branches. Or by calling 6701 0000. If you choose to activate them by phone, please consider that it will only be possible if you have made a template or the necessary payment has occured within last 3 months. Maximum sum of regular payment activated by phone is 200 euro

Find out more

Regular payment of e-bills

Entrust the payment of your bills to the bank!

  • When you activate regular e-bill payments, from then on bills will be paid by the bank with transfers from your account. Sum and regularity of payments is unlimited
  • If you don’t use Citadele online banking, you can apply for this service in any of our branches or by calling 6701 0000
  • Keep track of your e-bills here. If necessary, you can also cancel payment of a bill

Find out more

What other transfers are available?

  • Internal transfers - transfers between your own Citadele accounts, as well as between different Citadele clients throughout the Baltics
  • SEPA transfers - Euro transfers between the banks of the 28 EU member states whose recipient accounts have IBAN numbers. We fulfil SEPA transfers as standard payments
  • International payments - payments in international currency or Euro to banks located outside the European Union

Cash transactions

You can make cash deposits, withdrawals, exchange denominations and other cash transactions in Citadele branches which work with cash

  • Deposit cash into your own or another person’s Citadele account
  • Deposit up to 15,000 EUR  into the Latvian State Treasury
  • Unlimited cash withdrawal from your Citadele account. If the sum is more than the branch limit, the transaction must be applied for at least two working days in advance by filling out an application in any branch and paying the commission fee 
  • Personal ID must be shown for cash transactions when requested by a Citadele employee

Branches and ATMs

Non-cash and cash currency exchange

  • You can exchange non-cash currency through our online bank
  • Cash currency exchange can be done at "Citadele" branch, Republikas laukums 2a, Riga, by showing a personal ID. You can also exchange currency without opening an account
  • Damaged or old foreign bank notes can also be exchanged

Currency exchange rate calculator

Dealer rate currency transactions

We only perform dealer rate currency transactions for sums of more than 4000 Euro

  • Apply for the service between 8:30 and 17:30 on the bank’s working days by phone at 67010100
  • We set the exchange rate and sum at the moment that you agree verbally to the terms of the currency exchange
  • After setting the terms of the currency exchange transaction, we no longer revise the terms, regardless of changes to exchange rates
  • When the exchange rate and sum are set, you must confirm the conversion by 17:30 that day through the online bank or in-branch
  • If you wish to continue using this service, it is important to comply with all of the above conditions

Escrow account

What should you do if you have a potentially promising transaction, but wish to reduce the risk that the other party doesn’t fulfil their obligations? Our advice - create a transaction account. We will ensure that, once one party has fulfilled their obligations, the other pays.

  • For transactions of various sums
  • For both real estate and goods delivery transactions
  • Security for buyers - we will only transfer the seller their money once they have fulfilled their obligations
  • Security for the seller knowing that the money for their goods or property will be paid

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