Payment cards

X smart
Currency EUR
Service X smart
Fee for card and/or for supplementary card 1.49 EUR per month/Free of charge for Youth Aged 7-21
New card issue (instead of existing) Free of charge
Commission fee for goods and services purchase Free of charge
Cash withdrawal in Citadele Bank ATMs and in ATMs of other banks Free of charge up to 1000 EUR per month, 1% (min. 1 EUR) from amount above (min. 1 EUR)1
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 bundle
Currency EUR
Service X supreme X prime X Infinite
Fee for card and/or for supplementary card 2.99 EUR per month 5.99 EUR per month 350 EUR per year/supplementary card free of charge
New card issue (instead of existing) Free of charge Free of charge EUR 50
Payment from account Electronic payments - free of charge
Cash withdrawal in Citadele bank ATMs and in other banks ATMs Free of charge up to 1’500 EUR per month, 1% (min. EUR 1) from amount above1 Free of charge up to 2000 EUR per month, 1% (min. EUR 1) from amount above1 Free of charge up to 2500 EUR per month, 1% (min. EUR 1) from amount above1
Minimum instalment 5% of the used credit limit amount + 100% of the excess expenditure
Annual interest rate on the used limit 18 % 16 % 14%
Interest for unauthorized negative account balance (per day) 0.06%
Interest on the spent credit limit until the 15th date of the next month 0%
Annual late payments interest rate 23%
Annual interest for unauthorized negative account balance 20%
Priority Pass 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) 3
Concierge service Not offered 200 EUR per year Free of charge
Currency exchange mark-up fee 2%
SMS sent to customer about incoming sum to account Free of charge
Sticker, bracelet
Service Fee
Fee for sticker, bracelet4 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, X hero, X supreme 2 200 EUR
Using X Platinum, X prime, X Infinite, Visa Platinum, Mastercard Gold 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, X supreme, X prime 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 The indicated amount is the maximum total amount that can be withdrawn from any ATM in Estonia or abroad a month.
  • 2 The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
  • 3 Within a calendar year, five visits to airport VIP lounge to main card user is offered free of charge.
  • 4 Issued to card holders and linked to the relevant card account, except to Maxi savings account card.
  • 5 As of 14.01.2021. new cards no longer issued.