Appendix 2. 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
Payment plans
Service Fee
Services included in Payment plan Plan for Start-ups ‘Citadele 10’ ‘Citadele 20’ ‘Citadele 30’ Citadele 50’ Citadele 100’
Commission fee for the Payment Plan per month Free of charge 3.90 EUR 4.90 EUR 5.90 EUR 7.90 EUR 16.90 EUR
Payments EUR 50 10 20 30 50 100
Urgent EUR payment - 1 2 3 4 5
  • 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