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Payment Cards (Commissions for Payment Card Issue and Maintenance)
Debit cards
| Visa Electron, Maestro | USD | EUR2 |
| New card issue (instead of existing card) | free of charge | free of charge |
| 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) | 1.5% (min. USD 3) | 1.5% (min. EUR 3) |
| Cash withdrawal in other banks, 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 |
| Minimum instalment | 100% of spent credit limit amount and 100% of excess expenditure | 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 |
| Currency exchange mark-up fee | 4.3% | 4.3% |
Effective from 20.04.2018.
ATM cards
| CIRRUS (cash cards) | USD | EUR |
| New card issue (instead of existing card) | free of charge | free of charge |
| Fee for card/ supplementary card maintenance | USD 50 per annum | EUR 50 per annum |
| Cash withdrawal in Citadele Bank (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% |
Effective from 20.04.2018.
Credit cards
| X Business | USD | EUR |
| Fee for card | USD 120 per annum | EUR 120 per annum |
| New card issue (instead of existing card) | free of charge | free of charge |
| Purchase of goods and services | 0.5% (min. USD 0.20) | 0.5% (min. EUR 0.15) |
| Cash withdrawal in Citadele Bank (Latvia) | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in other banks, 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) |
| Minimum instalment | 100% of used credit limit amount + 100% of excess expenditure | 100% of used 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 |
| Currency exchange mark-up fee | 4.3% | 4.3% |
Effective from 20.04.2018.
| X Corporate | USD | EUR |
| Fee for card | USD 200 per annum | EUR 200 per annum |
| New card issue (instead of existing card) | free of charge | free of charge |
| Purchase of goods and services | 0.5% (min. USD 0.20) | 0.5% (min. EUR 0.15) |
| Cash withdrawal in Citadele Bank (Latvia) | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in other banks, 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) |
| Minimum instalment | 100% of the used credit limit amount + 100% of the excess expenditure | 100% of the used credit limit amount + 100% of the 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 |
| Concierge service4 | USD 300 per annum | EUR 200 per annum |
Effective from 20.04.2018.
X Infinite credit card
| 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 |
| New card issue (instead of existing card) | free of charge | free of charge |
| Purchase of goods and services | 0.5% | 0.5% |
| Cash withdrawal in Citadele Bank (Latvia) | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in other banks, 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) |
| 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 |
| 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 |
| Concierge service | free of charge | free of charge |
| Fast track visit5 | EUR 10 (VAT included | EUR 10 (VAT included |
Effective from 20.04.2018.
Virtual credit cards
| Visa Classic, Mastercard Mass | 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)7 | 0.175% | 0.175% |
| Currency exchange mark-up fee | 4.3% | 4.3% |
Effective from 20.04.2018.
Business credit cards
| Visa Business, Mastercard Business | USD | EUR |
| Fee for card | USD 120 per annum | EUR 120 per annum |
| New card issue (instead of existing card) | free of charge | free of charge |
| 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 Citadele Bank (Latvia) | 3% (min. USD 3) | 3% (min. EUR 3) |
| Cash withdrawal in other banks, 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% |
| Currency exchange mark-up fee | 4.3% | 4.3% |
Effective from 20.04.2018.
Gold Business credit cards
| Visa Business Gold, Mastercard Business Gold | USD | EUR |
| Fee for card | USD 200 per annum | EUR 200 per annum |
| New card issue (instead of existing card) | free of charge | free of charge |
| 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 Citadele Bank (Latvia) | 3% (min. USD 5) | 3% (min. EUR 5) |
| Cash withdrawal in other banks, 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 |
| Concierge service4 | USD 300 | EUR 200 |
Effective from 20.04.2018.
Other payment card services
| USD | EUR | |
| Balance review in Citadele Bank (Latvia) ATM networks using Citadele cards | free of charge | free of charge |
| Balance review in ATMs of other banks in Latvia using Citadele cards | USD 0.50 | EUR 0.50 |
| Balance review in ATMs of other banks abroad using Citadele cards | USD 1 | EUR 1 |
| Review of a groundless claim | USD 10 | EUR 10 |
| Card account closure | free of charge | free of charge |
| Urgent card issue within 3 hours8 | 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 20.04.2018.
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 Service fee is applied for each payment card (incl. supplementary card) / cardholder linked to Concierge Service.
5 Within a calendar year, 8 visits to main card user is offered free of charge.
6 The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
7 From 22.04.2013 new overdrafts shall not be granted and existing overdrafts shall not be prolonged.
8 Card can be received only at branch “Citadele” Republikas square 2A, Riga.