Payment cards

X smart
Currency	EUR
Service	X smart		X smart For youth¹
Fee for card	1.20 EUR per month		Free of charge
Fee for supplementary card	1.20 EUR per month		Not offered
New card issue (instead of existing)	Free of charge
Commission fee for goods and services purchase	Free of charge
Cash withdrawal in other banks	1% (min. 3 EUR)
Cash withdrawal in Citadele Bank ATMs in Estonia	Free of charge up to 1000 EUR per month, 0.2% from amount above²
Cash withdrawal in ATMs of other banks	Free of charge 5 transactions or 1000 EUR max per month - free of charge, above limit 1% (min. 1 EUR)
Payments from account	Electronic payments - free of charge
Interest for unauthorized negative account balance (per day)	0.06%
SMS to customer about incoming sum to account	Free of charge
Currency exchange mark-up fee	2%
X cards
Service	X hero	X Platinum	X Infinite
	EUR
Fee for card	2.20 EUR per month	6 EUR per month	350 EUR per year
Fee for supplementary card	2.20 EUR per month	6 EUR per month	Free of charge
New card issue (instead of existing)	Free of charge		50 EUR
Commission fee for goods and services purchase	Free of charge
Cash withdrawal in other banks	3% (min. 3 EUR )
Cash withdrawal in Citadele Bank ATMs in Estonia	3% (min. 1.50 EUR)
Cash withdrawal in ATMs of other banks	3% (min. 3 EUR)
Cash deposit in ATM -s of Citadele	Free of charge
Payment from account	As from current account + 3%		As from current account + 3%³
Minimum instalment	5% of the used credit limit amount + 100% of the excess expenditure
Annual credit interest rate	18 %	16%	14%
Interest on the spent credit limit until the 15th date of the next month	0%
Annual late payments interest rate	23%
Late payment interest per day	0.06%
Annual interest for unauthorized negative account balance	20%
Annual fee for Priority Pass membership	Not offered	Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport	Not offered	30 EUR (VAT included)	30 EUR (VAT included)⁴
Concierge service	Not offered	200 EUR per year	Free of charge
Currency conversion rate	2%
Sticker, bracelet
Service	Fee
Fee for sticker, bracelet⁵	0.50 EUR per month
Commission fee for goods and services purchase	Free of charge
Other services	According to the price list of the card linked to the sticker or bracelet
Other payment card services
Service	Fee
Balance inquiry in ATMs:
in Citadele Bank (Latvia, Estonia) ATMs	Free of charge
in ATMs of other banks	0.32 EUR per statement
Unblocking of payment card on customer’s order, which was blocked due to entering incorrect PIN three times	Free of charge
Cash and POS operations’ daily or monthly limit increase above limit set in the Pricelist, for one payment card	7 EUR, which is deducted from customer’s account upon receipt of customer’s application and limit increase
Card account closure	Free of charge
Daily limit for one payment card for cash withdrawal at ATMs and POS terminals:
Using X smart, Maestro, Mastercard Standard, Mastercard Gold, X hero, X Platinum	2 200 EUR
Using X Infinite, Visa Platinum	3 000 EUR
Monthly limit for one payment card for cash withdrawal from ATMs and POS terminals:
Using X smart, Maestro, Mastercard Standard, Mastercard Gold, X hero, X Platinum	15 000 EUR
Using X Infinite, Visa Platinum	30 000 EUR
Change of card PIN in Citadele ATM or mobile application	Free of charge

¹ Aged 7 till 21 (included).
² EUR 1000 is the maximum total amount that can be withdrawn from any ATM in Estonia or abroad a month.
³ The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
⁴ Within a calendar year, five visits to airport VIP lounge to main card user is offered free of charge.
⁵ Issued to card holders and linked to the relevant card account, except to Maxi savings account card.