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A MINUTE IN THE BANK IS A MINUTE TOO MANY

Digital banking is simple, quick and convenient.

The girl is comfortably lying in bed and looking at her phone.

Citadele offers the highest interest rate on account balances in Estonia!

Citadele Bigbank Holm Bank LHV SEB* Coop Pank Luminor Swedbank
3% 2% 1.2% 0.01% 0.01% / 0.2% 0.01% 0.01% 0.01%
Citadele
3%
Bigbank
2%
Holm Bank
1.2%
LHV
0.01%
SEB*
0.01% / 0.2%
Coop Pank
0.01%
Luminor
0.01%
Swedbank
0.01%

Comparison of annual interest rates among credit institutions in Estonia was conducted as of 10.09.2025 based on current and card accounts for the instituions offering a comparible product.

* SEB: an interest rate of 0.2% per annum applies to the account balance up to €5,000, and 0.01% per annum applies to the portion exceeding that amount.

Apply for a loan

When you’re planning on buying a new home, we offer a choice of loans to best suit your needs: a home loan to purchase, build or renovate your chosen home, or a Green home loan for the purchase or construction of a home which complies with the highest energy-efficiency standards.

  • Loan processing fee 0 EUR when you buy a home from a new real estate project developer. Offer applies until 31.12.2025.
  • Fill in an application online, receive an offer within one business day, submit your documents and sign an agreement online.
Apply for a loan

More convenient everyday with C cards - enjoy the benefits of the card!

  • Free transfers in EUR across Europe and cash withdrawals free of charge worldwide (within card’s limit).
  • Card without monthly fee - try C prime for 3 months and C supreme for 2 months for free.
  • Travel and shopping insurance - basic for C supreme card, while C prime card holders enjoy extensive insurance for purchases and travel for the entire family.
  • Apply for C card in mobile app at a convenient time and place for you.
View cards
Two Citadele payment cards: C prime (gray with a rainbow shimmer) and C supreme (gold) with VISA logo.

Get even more from your card - C card rewards you for shopping!

  • When you sign up for the C REWARDS program (it’s free), you collect points for each purchase to get the prize of your choice.
  • Exchange points for free coffee, cinema ticket or restaurant meal, Wolt vouchers or other prizes from our shopping, gourmet and leisure offering.
  • Receive monthly special offers and benefit from discounts with our partners in shops, cafes and entertainment venues.
I want free prizes

Become a customer remotely

Become a customer through the Citadele mobile app wherever and whenever is convenient.

  • Takes just 7 minutes.
  • Receive your card by post in five business days.
  • You can use the bank’s digital services straight away.
Download app Scan and download the app

1 The initial annual percentage rate is 8,09% on the following sample: amount of credit 2000 EUR, interest rate 7.8% per year (fixed rate), contract fee 0 EUR, period 48 months, monthly payments 48.64 EUR, total amount of repayment 2334,63 EUR.