Payment cards

Private customer

Maestro

Monthly fee of a card and of a supplementary card 1 EUR 1 USD
Monthly fee of a card for up to 18-year-olds free of charge 1 USD
Replacement of a card 2 EUR 3 USD
Purchase of goods and services in Estonia and outside of Estonia 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 other banks ATM-s in Estonia and outside of Estonia

First 3 withdrawal in month free of charge 3% of the sum, min 5 USD
Starting from 4th withdrawal in month 1% of the sum, min 1 EUR 3% of the sum, min 5 USD

 

Pension card Maestro

Monthly fee of a card and a supplementary card free of charge
Replacement of a card 2 EUR
Purchase of goods and services in Estonia and outside of Estonia free of charge
Cash deposit in ATM-s of Citadele free of charge
Cash withdrawal in Citadele Bank free of charge
Cash withdrawal in other banks 3% of sum, min 3 EUR
Cash withdrawal from ATM-s of Citadele free of charge
Cash withdrawal from ATM-s in Estonia and outside of Estonia According to the fees for Maestro card

 

Maxi Savings account payment card MC Standard

Monthly fee of a card and of a supplementary card free of charge
Replacement of a card 6.50 EUR
Purchace of goods an services in Estonia and outside of Estonia free of charge
Cash deposit in ATM-s of Citadele free of charge
Cash withdrawal from ATM-s in Estonia and outside of Estonia 3% of the sum, min 3 EUR
Cash withdrawal from other banks 3% of the sum, min 3 EUR
Penalty interest rate 0.15% per day

 

MasteCard Standard

Monthly fee of a card and of a supplementary card 1.60 EUR
Replacement of a card 6.50 EUR
Purchase of goods and services in Estonia and outside of Estonia free of charge
Cash deposit in ATM-s of Citadele free of charge
Cash withdrawal from ATM-s in Estonia and outside of Estonia 3% of the sum, min 3 EUR
Cash withdrawal from Citadele bank and from other banks 3% of the sum, min 3 EUR
Outgoing payments from card accounts according to the fees outgoing payment + 3% of the sum
Annual credit interest rate 22%
Interest rate for the spent credit limit till the 15th date of the next month 0%
Interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit interest rate)) 45%
Overdraft minimum montly payment amount 5% of spent overdraft amount and 100% excess expenditure
Overdraft penalty 0.2% per day

 

MasterCard Gold

Monthly fee of a card 5 EUR 6.50 USD
Monthly fee a supplementary card 3 EUR 4.20 USD
Replacement of a card 6.50 EUR 9.30 USD
Purchase of goods and services in Estonia and outside of Estonia 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 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 interest rate for the late payments (higher annual credit interest rate (additionally to the annual credit 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
Penalty interest rate 0,2% per day 0,2% per day
Concierge service 200 EUR per year 300 USD per year

 

VISA Platinum

Annual fee for card 200 EUR 250 USD
Annual fee for supplementary card 100 EUR 125 USD
Replacement of a card 20 EUR 30 USD
Purchase of goods and services in Estonia and outside of Estonia 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
Credit limit amount individual individual
Outgoing payments from card accounts 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 18% 18%
Interest rate for the spent credit limit till the 15th date of the next month 0% 0%
Annual interest rate for the late payments (higher annual credit interest rate additionally to the annual credit 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
Penalty interest rate 0,2% per day 0,2% per day
Interest rate (per annum) for collateral deposit which serves as collateral for credit card interest rate applicable for term deposit in accordant currency interest rate applicable for term deposit in accordant currency
Annual fee for Priority Pass free of charge free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport equivalent of 35 USD (VAT included)1 35 USD (VAT included)1
Concierge service free of charge free of charge

 

Fast Track Security line and Business Lounge2 voucher at the Tallinn Airport 3

2 vouchers (within amount 60 EUR) per year free of charge free of charge
Starting from 3-th voucher 30 EUR per voucher(VAT included) equivalent 30 EUR per voucher (VAT included)

 

Payment card limits

Cash withdrawal limit per month EUR USD
Maestro, MasterCard Standard, MasterCard Gold 15 000 EUR equivalent 15 000 EUR
Visa Platinum 30 000 EUR equivalent 30 000 EUR
Cash withdrawal daily limit EUR USD
Maestro, MasterCard Gold 2 200 EUR equivalent 2 200 EUR
Visa Platinum 3 000 EUR equivalent 3 000 EUR
Cash withdrawal transactions per day unlimited unlimited
Card payment per day unlimited unlimited

 

Other payment card services

Unblocking of payment card on customer’s order, which was blocked three times entering incorrect PIN code 4 2 EUR 3 USD
In Citadele banka (Estonia, Latvia) ATM network free of charge free of charge
From other banks ATM-s (if the service is available) 0,32 EUR per inquiry/statement 0.50 EUR/ per inquiry/statement
Extra charge for currency exchange 2% 2%
Card account statement according to the fees for Current account according to the fees for Current account
Annual interest rate for credit balance 0% 0%
Card account closure free of charge free of charge
Mailing of notice about delayed repayment 10 EUR 13 USD

Valid from 15.06.2017

 


1Fee for visit (set in USD) will be converted in card account’s currency according to Citadele Bank’s exchange rate for non-cash operations, for the day when mentioned fee will be booked into account

2Voucher is issued to the Visa Platinum Card user from the Tallinn Airport information desk (Visa Platinum Card and valid identification document should be presented)

3Fast Track Security voucher grants Business Lounge visit (customer don’t have to use Priority Pass visit for Business Lounge)

4Service is available one in 24 hour period