Appendix 1. Products and services that are no longer offered

PAYMENT CARDS
3D Savings Account payment card MC Standard1
Service Fee
Fee for card 1 EUR per month
Fee for supplementary card Free of charge
Replacement of a card 6.50 EUR
Commission fee for goods and services purchase Free of charge
Cash withdrawal in ATMs of Citadele Bank Free of charge
Cash withdrawal in ATMs of other banks 3% min. EUR 3
Cash withdrawal from Citadele bank and other banks 3% min. EUR 3
Interest on unauthorized negative account balance 0.06% per day
Payment from account according to fees for 3D Savings Account
Maestro 1
Service EUR USD
Monthly fee of a card and of a supplementary card 1 EUR 1 USD
Replacement of a card Free of charge2 Not available
Commission fee for goods and services purchase Free of charge Free of charge
Cash deposit in ATM-s of Citadele Free of charge Free of charge
Cash withdrawal from ATM-s of Citadele Free of charge 3% of the sum, min 5 USD
Cash withdrawal from ATM-s in Estonia and outside of Estonia 3% of the sum, min 2 EUR 3% of the sum, min 5 USD
Cash withdrawal from Citadele bank according to standard fees according to standard fees
Mastercard Standard
Service EUR USD
Monthly fee of a card and of a supplementary card 2.20 EUR 2.50 USD
Replacement of a card Not available Not available
Commission fee for goods and services purchase Free of charge Free of charge
Cash deposit in ATM-s of Citadele Free of charge Free of charge
Cash withdrawal from ATM-s in Estonia and outside of Estonia 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Cash withdrawal from Citadele bank and from other banks 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Outgoing payments from card account according to the fees for outgoing payment+ 3% of the sum according to the fees for outgoing payment+ 3% of the sum
Annual credit interest rate 22% 22%
Interest rate for the spent credit limit till the 15th date of the next month 0% 0%
Annual late payment interest rate 45% 45%
Overdraft minimum monthly payment amount 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure
Overdraft penalty 0.2% per day 0.2% per day
MasterCard Gold
Service EUR USD
Monthly fee for card 6 EUR 6.50 USD
Monthly fee for supplementary card 6 EUR 4.20 USD
Replacement of a card 6.50 EUR 9.30 USD
Commission fee for goods and services purchase Free of charge Free of charge
Cash deposit in ATM-s of Citadele Free of charge Free of charge
Cash withdrawal from other banks ATM-s in Estonia and outside of Estonia: 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Cash withdrawal from Citadele bank and other banks 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Outgoing payments from card account according to the fees for outgoing payment + 3% of the sum according to the fees for outgoing payment + 3% of the sum
Interest on unauthorized negative account balance 0.06% per day 0.06% per day
Annual credit interest rate 22% 22%
Interest on spent credit limit until the 15th date of the next month 0% 0%
Annual late payment interest rate 45% 45%
Overdraft minimum monthly payment amount 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure
Concierge service 200 EUR per annum 300 USD per annum
Start-up loan3
Service Fee
Consideration of an application for start-up loan Free of charge
Contract fee for start-up loan 2% of credit amount, min 250 EUR
Execution of amendments for start-up loan: 1% of credit amount, min 250 EUR
payment date change 30 EUR
other amendments 1% of credit amount, min 250 EUR
Full or partial premature repayment credit/credit line 2% of repayment credit amount
  • 1 From 01.11.2019 cards not issued.
  • 2 As of 01.11.2019 Maestro card will be renewed, replaced as Mastercard Business Debit.
  • 3 Starting from 01.01.2019 Bank does not offer Start-up loan for business customer