Appendix 2

Products and services that are no longer offered

Accounts

Pension account1

Opening, Maintenance, Closure of Account Free of charge
Power of Attorney issue Free of charge 
Cash withdrawal in Citadele banka Free of charge
Outgoing payments According to the fees for outgoing payments
Interest income 0%
Interest rate for term deposit Interest rates for term deposit +0.10%
Interest rate for Savings Account Standard interest rates for Savings Account +

Payment cards

Maestro

Currency EUR2 USD4
Fee for card 1.20 EUR per month 1 USD per month
Fee for supplementary card 1.20 EUR per month 1 USD per month
New card issue (instead of existing) Free of charge5 Not offered
Commission fee for goods and services purchases Free of charge Free of charge
Cash withdrawal in Citadele Bank As from current account As from current account
Cash withdrawal in other banks 3% of the sum, min. 3 EUR 3% of the sum, min. 5 USD
Cash withdrawal in Citadele Bank ATMs Free of charge 3% of the sum, min. 5 USD
Cash withdrawal in ATMs of other banks in Estonia and outside:    
- The first 3 withdrawals a month (Bank is calculating service fees on the transaction made on the account) Free of charge 3% of the sum (min. 5 USD
- starting from the 4th withdrawal a month (Bank is calculating service fees on the transaction made on the account) 1% of the sum, min. 1 EUR 3% of the sum, min. 5 USD
Interest for unauthorised negative balance (per day) 0.06% 0.06%
Balance review:    
in Citadele banka (Estonia, Latvia) ATM network Free of charge Free of charge
in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/ statement
Currency exchange mark-up fee 2% 2%
Payment from account as outgoing payments from Current account as outgoing payments from Current account
Currency Offer for up to 18-years-olds1 (EUR) Offer for seniors3 (EUR)
Fee for card Free of charge Free of charge
Fee for supplementary card Not offered Free of charge
New card issue (instead of existing) Free of charge6 Free of charge
Commission fee for goods and services purchases Free of charge Free of charge
Cash withdrawal in Citadele Bank As from current account Free of charge
Cash withdrawal in other banks 3% of the sum, min. 3 EUR 3% of the sum, min. 3 EUR
Cash withdrawal in Citadele Bank ATMs Free of charge Free of charge
Cash withdrawal in ATMs of other banks in Estonia and outside:    
- The first 3 withdrawals a month (Bank is calculating service fees on the transaction made on the account) Free of charge Free of charge
- starting from the 4th withdrawal a month (Bank is calculating service fees on the transaction made on the account) 1% of the sum, min. 1 EUR 1% of the sum, min. 1 EUR
Interest for unauthorised negative balance (per day) 0.06% 0.06%
Balance review:    
in Citadele banka (Estonia, Latvia) ATM network Free of charge Free of charge
in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.32 EUR/ per inquiry/ statement
Currency exchange mark-up fee 2% 2%
Payment from account as outgoing payments from Current account as outgoing payments from Current account

Mastercard cards7

Maxi Savings account payment card

Currency EUR
Fee for card Free of charge
Fee for supplementary card Free of charge
Fee for goods and services purchase Free of charge
Cash withdrawal in Citadele Bank, in other bank, in ATM’s of other banks 3% of the sum, min 3 EUR
Interest for unauthorised negative balance (per day) 0.06%
Payment from account According to fees for Maxi Savings Account
Balance review:  
- in Citadele banka (Estonia, Latvia) ATM network Free of charge
- in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement
Currency exchange mark-up fee 2%

Mastercard Standard

Currency EUR8 USD10
Fee for card 2.20 EUR per month 2.50 USD per month
Fee for supplementary card 2.20 EUR per month 2.50 USD per month
Fee for goods and services purchase Free of charge Free of charge
Cash withdrawal in Citadele Bank, in other bank, in ATM’s of other banks 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Amount of credit limit Individually Individually
Credit interest (per annum) 22% 22%
Interest on spent credit limit until the 15th date of the next month 0% 0%
Minimum instalment 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure
Interest for unauthorised negative balance (per day) 0.06% 0.06%
Payment from account According to the fees for outgoing payment + 3% of the sum According to the fees for outgoing payment + 3% of the sum
Balance review:    
- in Citadele banka (Estonia, Latvia) ATM network Free of charge Free of charge
- in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/ statement
Currency exchange mark-up fee 2% 2%

Mastercard Gold

Currency EUR9 USD8
Fee for card 6 EUR per month 6.50 USD per month
Fee for supplementary card 6 EUR per month 4.20 USD per month
Fee for goods and services purchase Free of charge Free of charge
Cash withdrawal in Citadele Bank, in other bank, in ATM’s of other banks 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Amount of credit limit Individually Individually
Credit interest (per annum) 22% 22%
Interest on spent credit limit until the 15th date of the next month 0% 0%
Minimum instalment 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure
Interest for unauthorised negative balance (per day) 0.06% 0.06%
Payment from account According to the fees for outgoing payment + 3% of the sum According to the fees for outgoing payment + 3% of the sum
Annual fee for Priority Pass Free of charge Free of charge
Fee for 1 person’s visit at Priority Pass airport business area 30 EUR (VAT included) equivalent of 30 EUR(VAT included)
Concierge service11 200 EUR per anum 300 USD per anum
Balance review:    
- in Citadele banka (Estonia, Latvia) ATM network Free of charge Free of charge
- in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/ statement
Currency exchange mark-up fee 2% 2%

Visa Platinum12

Currency EUR USD
Fee for card 200 EUR per annum 250 USD per annum
Fee for supplementary card 100 EUR per annum 125 USD per annum
Commission fee for goods and services purchase Free of charge Free of charge
Cash withdrawal in Citadele Bank, in other bank, in ATM’s of other banks 3% of the sum, min.3 EUR 3% of the sum, min. 5 USD
Cash withdrawal in Citadele Bank ATMs in Latvia 3% of the sum, min.3 EUR 3% of the sum, min. 5 USD
Payment from account According to the fees for outgoing payment +3% According to the fees for outgoing payment +3%
Amount of credit limit Individually Individually
Credit interest (per annum): 18% 18%
Interest on spent credit limit until the 15th date of the next month 0% 0%
Minimum instalment 5% of the used credit limit amount + 100% of excess expenditure 5% of the used credit limit amount + 100% of excess expenditure
Annual late payment interest rate 20% 20%
Interest for unauthorised negative balance (per day) 0.06% 0.06%
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
Balance review:    
- in Citadele banka (Estonia, Latvia) ATM network Free of charge Free of charge
- in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/statement
Annual fee for Priority Pass Free of charge Free of charge
Fee for 1 person’s visit to Priority Pass VIP lounge at the airport 30 EUR (VAT included) 30 EUR (VAT included)
Fast Track Security line and Business Lounge voucher at the Tallinn Airport13,14 :    
- 2 vouchers (within amount 60 EUR) per year Free of charge Free of charge
- starting from 3rd voucher 30 EUR per voucher (VAT included) equivalent 30 EUR per voucher (VAT included)
Concierge service Free of charge Free of charge
Currency exchange mark-up fee 2% 2%

Effective as of 4 November 2019

 


1 Pension accounts as of 01.11.2019 not offered.
2 New cards are no longer issued as of 01.09.2019.
3 Interest rates for term deposits + 0.10%.
4 New, renewed and replaced cards in USD currency are no longer issued as of 01.09.2019.
5 As of 01.11.2019 Maestro card will be renewed, replaced as X smart.
6 As of 01.11.2019 Maestro card will be renewed, replaced as X smart.
7 New cards are no longer issued as of 01.09.2019.
8 As of 01.11.2019 Mastercard Standard card will be renewed, replaced as X hero.
9 As of 01.11.2019 Mastercard Gold card will be renewed, replaced as X Platinum.
10 New, renewed and replaced cards in USD currency are no longer issued as of 01.09.2019.
11 Service fee is applied for each payment card (incl. Supplementary card) / cardholder linked to Concierge Service.
12 New, renewed and replaced cards are no longer issued as of 01.09.2019. As of 01.11.2019 Visa Platinum card will be renewed, replaced as X Infinite.
13 Voucher is issued to the Visa Platinum Card user from the Tallinn Airport information desk (Visa Platinum Card and valid identification document should be presented).
14 Fast Track Security voucher grants Business Lounge visit (customer don’t have to use Priority Pass visit for Business Lounge).