Payment Cards (Commissions for Payment Card Issue and Maintenance)
Debit cards
| Visa Electron, Maestro (for private individuals/ legal entities) | USD | EUR2 |
| Fee for card/ supplementary card maintenance | USD 50 per annum | EUR 50 per annum |
| Purchase of goods and services | 0.5% | 0.5% |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 1.5% (min. USD 3) | 1.5% (min. EUR 3) |
| Cash withdrawal in ATMs of other banks | 1.5% (min. USD 5) | 1.5% (min. EUR 5) |
| Payment from account | as from current account | as from current account |
| Cash withdrawal in Citadele Bank | as from current account | as from current account |
| Cash withdrawal in other banks | 1.5% (min. USD 5) | 1.5% (min. EUR 5) |
| Minimum instalment | 100% of spent credit limit amount and 100% of excess expenditure | |
| Credit interest (per annum) | 28% | 28% |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card | see Deposits chapter | see Deposits chapter |
| New card issue (instead of existing card) | USD 20 | EUR 20 |
Effective from 01.03.2016.
ATM cards
| CIRRUS (cash cards) (for private individuals/ legal lentities) | USD | EUR |
| Fee for card/ supplementary card maintenance | USD 50 per annum | EUR 50 per annum |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 1.5% (min. USD 3) | 1.5% (min. EUR 3) |
| Cash withdrawal in ATMs of other banks | 2% (min. USD 7) | 2% (min. EUR 5) |
| Payment from account | as from current account | as from current account |
| Cash withdrawal in Citadele Bank | as from current account | as from current account |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| New card issue (instead of existing card) | USD 20 | EUR 20 |
Effective from 01.03.2016.
Credit cards
| X Card, MasterCard Standard (under security deposit) (for private individuals) | USD | EUR |
| Fee for card/ supplementary card maintenance | USD 80 per annum | EUR 80 per annum |
| Purchase of goods and services | 0.5% (min. USD 0.20) | 0.5% (min. EUR 0.15) |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in ATMs of other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Payment from account | as from current account + 3% | as from current account + 3% |
| Cash withdrawal in Citadele Bank | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Minimum instalment | 5% of spent credit limit amount + 100% of excess expenditure | 5% of spent credit limit amount + 100% of excess expenditure |
| Credit interest (per annum) | 26% | 26% |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card | see Deposits chapter | see Deposits chapter |
| New card issue (instead of existing card) | USD 20 | EUR 20 |
Effective from 10.04.2017.
| X Platinum, MasterCard Gold (under security deposit) (for private individuals) | USD | EUR |
| Fee for X Platinum card/ supplementary card maintenance | USD 200 per annum | EUR 200 per annum |
| Fee for MasterCard Gold card/ supplementary card maintenance | USD 180 per annum | EUR 180 per annum |
| Purchase of goods and services | 0.5% (min. USD 0.20) | 0.5% (min. EUR 0.15) |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in ATMs of other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Payment from account | as from current account + 3% | as from current account + 3% |
| Cash withdrawal in Citadele Bank | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Minimum instalment | 5% of spent credit limit amount + 100% of excess expenditure | 5% of spent credit limit amount + 100% of excess expenditure |
| Credit interest (per annum) | 24% | 24% |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card | see Deposits chapter | see Deposits chapter |
| Annual fee for Priority Pass usage | free of charge | free of charge |
| Fee for one person's visit at Priority Pass airport VIP area | equivalent of USD 35 | equivalent of USD 353 |
| New card issue (instead of existing card) | USD 20 | EUR 20 |
Effective from 10.04.2017.
X Infinite credit card
| X Infinite (for private individuals/ legal entities) | USD | EUR |
| Fee for card maintenance | USD 400 per annum | EUR 500 per annum |
| Fee for supplementary card maintenance | USD 200 per annum | EUR 250 per annum |
| Purchase of goods and services | 0.5% | 0.5% |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in ATMs of other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Transfer from account | as from current account + 3% | as from current account + 3% |
| Cash withdrawal in Citadele Bank | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Credit interest (per annum) | 18% | 18% |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card | see Deposits chapter | see Deposits chapter |
| Minimum instalment | 5% of spent credit limit amount + 100% of excess expenditure | 5% of spent credit limit amount + 100% of excess expenditure |
| New card issue (instead of existing card) | USD 30 | EUR 20 |
| Annual fee for Priority Pass usage | free of charge | free of charge |
| Fee for 1 person’s visit at Priority Pass airport business area | equivalent of USD 35 | equivalent of USD 353 |
Effective from 10.04.2017.
Virtual credit cards
| Visa Classic, MasterCard Mass (for private individuals/ legal entities) | EUR | USD |
| Fee for card maintenance: for 2 months for 12 months |
EUR 5 EUR 20 |
USD 5 USD 25 |
| Purchase of goods and services | 1% | 1% |
| Payment from account | as from current account + 3% | as from current account + 3% |
| Cash withdrawal in Citadele Bank | 3% (min. EUR 3 ) | 3% (min. USD 5) |
| Interest for unauthorised negative balance (per day)4 | 0.175% | 0.175% |
Effective from 01.03.2016.
Business credit cards
| Visa Business, MasterCard Business (for legal entities) | USD | EUR |
| Fee for card | USD 120 per annum | EUR 120 per annum |
| New card issue (instead of existing card) | USD 20 | EUR 20 |
| Purchase of goods and services | 0.5% (min. USD 0.20) | 0.5% (min. EUR 0.15) |
| Cash withdrawal in Citadele Bank | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in ATMs of other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Minimum instalment | 100% of spent credit limit amount + 100% of excess expenditure | |
| Credit interest (per annum) | 24% | 24% |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card | see Deposits chapter | see Deposits chapter |
| Payment from account | as from current account + 3% | as from current account + 3% |
Effective from 01.03.2016.
Gold Business credit cards
| Visa Business Gold, MasterCard Business Gold (for legal entities) | USD | EUR |
| Fee for card | USD 200 per annum | EUR 200 per annum |
| New card issue (instead of existing card) | USD 20 | EUR 20 |
| Purchase of goods and services | 0.5% (min. USD 0.20) | 0.5% (min. EUR 0.15) |
| Cash withdrawal in Citadele Bank | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in Citadele Bank (Latvia) and Nordea bank Latvian branch ATMs in Latvia | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in ATMs of other banks | 3% (min. USD 5) | 3% (min. EUR 5) |
| Minimum instalment | 100% of spent credit limit amount + 100% of excess expenditure | |
| Credit interest (per annum) | 24% | 24% |
| Interest for unauthorised negative balance (per day) | 0.175% | 0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card | see Deposits chapter | see Deposits chapter |
| Payment from account | as from current account + 3% | as from current account + 3% |
| Annual fee for Priority Pass usage | free of charge | free of charge |
| Fee for 1 person’s visit at Priority Pass airport business area | USD 35 | equivalent of USD 353 |
Effective from 10.04.2017.
American Express credit cards
| Service | Commission | ||
| USD | EUR | GBP | |
| Guarantee issue and amendments | equivalent EUR 150 | EUR 150 | equivalent EUR 150 |
| Guarantee with deposit coverage issue (per annum) | 1.5% of amount (min. USD 200) | 1.5% of amount (min. EUR 200) | 1.5% of amount (min. GBP 200) |
| Guarantee without deposit coverage issue (per annum) | 3.5% of amount | 3.5% of amount | 3.5% of amount |
| Customer’s collateral deposit or term deposit serving as financial collateral for Citadele Bank’s issued guarantee: | |||
| Centurion card | min. USD 100 000 |
min. EUR 100 000 |
min. GBP 100 000 |
| Platinum card | min. USD 75 000 |
min. EUR 75 000 |
min. GBP 75 000 |
| Citadele Bank’s issued guarantee and authorized credit amount for American Express Services Ltd. issued cards: | |||
| Centurion card | Up to 75% from customer’s guarantee deposit | Up to 75% from customer’s guarantee deposit | Up to 75% from customer’s guarantee deposit |
| Platinum card | Up to 75% from customer’s guarantee deposit | Up to 75% from customer’s guarantee deposit | Up to 75% from customer’s guarantee deposit |
| Automatic coverage of negative card balance on American Express Services Ltd. Platinum and Centurion issued card accounts from customer’s personal account or from customer’s company account | free of charge | free of charge | free of charge |
| Penalty for late payments (in the current month) | 0.07% of late payment’s amount per day (USD 2) | 0.07% of late payment’s amount per day (EUR 2) | 0.07% of late payment’s amount per day (GBP 2) |
| Penalty for late payments (starting with the second month) | 0.1% of late payment’s amount per day | 0.1% of late payment’s amount per day | 0.1% of late payment’s amount per day |
| Fee for SWIFT payment to customer’s American Express Platinum or Centurion card accounts in American Express bank | USD 45 | EUR 45 | GBP 45 |
| Fee for American Express Services Ltd. Platinum or Centurion account statement and other material dispatch connected with card service | USD 5 (VAT included) |
EUR 5 (VAT included) |
GBP 5 (VAT included) |
| Annual interest rate for collateral deposit or term deposit serving as financial collateral for Citadele Bank’s issued guarantee | Interest rates applicable for savings account in accordant currency |
Effective from 01.03.2016.
Other payment card services
| USD | EUR | |
| Balance review in Citadele Bank (Latvia) ATM networks using Visa, Visa Electron, MasterCard, Maestro cards | free of charge | free of charge |
| Balance review in ATMs of other banks in Latvia using Visa, Visa Electron, MasterCard, Maestro cards | USD 0.50 | EUR 0.50 |
| Balance review in ATMs of other banks abroad using Visa, Visa Electron, MasterCard, Maestro cards | USD 1 | EUR 1 |
| Review of a groundless claim | USD 10 | EUR 10 |
| Currency exchange mark-up fee for Visa, Visa Electron, MasterCard, Maestro, Cirrus cards | 4.3% | 4.3% |
| Card account closure | free of charge | free of charge |
| Urgent card issue within 3 hours5 | USD 30 | EUR 30 |
| Unblocking of card’s PIN code at Citadele Bank customer service centre/branch (if card was blocked three times entering incorrect PIN code in POS terminal) | EUR 3 | EUR 3 |
| Unblocking of card’s PIN code at Citadele Bank ATM (if card was blocked three times entering incorrect PIN code in POS terminal) | free of charge | free of charge |
| Unblocking of card using Citadele Online Banking or calling to Customer Support Centre according customer’s request, if card was blocked three times entering incorrect PIN code) | free of charge | free of charge |
| Change of card’s PIN-code (service is available in Citadele Bank ATMs) | free of charge | free of charge |
Effective from 01.03.2016.
Servicing of Cards Emitted by Other Banks
| Cash withdrawal at bank with payment cards issued by other banks | 3% |
1 For customers non-residents legal persons, payment card will be opened just with current account, or with service “Customer Sets”.
2 For non-residents of LR, private individuals – receivers of state granted old age pensions, pensions for persons with disabilities, pensions in case of loss of supporter, work record related pensions, or special state pensions in account of the payment card, is applicable relevant product commission fee as for LR residents.
3 Fee for visit (set in USD) 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.
4 From 22.04.2013 new overdrafts shall not be granted and existing overdrafts shall not be prolonged.
5 Card can be received only at branch “Citadele” Republikas square 2A, Riga.
2 For non-residents of LR, private individuals – receivers of state granted old age pensions, pensions for persons with disabilities, pensions in case of loss of supporter, work record related pensions, or special state pensions in account of the payment card, is applicable relevant product commission fee as for LR residents.
3 Fee for visit (set in USD) 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.
4 From 22.04.2013 new overdrafts shall not be granted and existing overdrafts shall not be prolonged.
5 Card can be received only at branch “Citadele” Republikas square 2A, Riga.