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.