Free transfers within Europe

With X Smart, you can make unlimited online Euro transfers for free to Latvia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • Recipient IBAN number. 
  • Commission type: SHA (shared)
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Instant payments

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X Smart account to any bank which supports instant payments. The money is transferred within seconds. In Latvia and Estonia, Instant Payments can be made from Citadele to SEB bank. It is important to note that Instant Payments can only be made to European banks which are part of the instant payment system. Instant Payments are money transfers 24 hours a day, 7 days a week, 365 days a year, including bank holidays. They are made within seconds, and give you the chance to receive your money straight away for further use.