Products and services that are no longer offered

Effective since 01.12.2022

Maestro
	Maestro²		Offer for up to 18-yearsolds³	Offer for seniors³
Currency	EUR	USD	EUR	EUR
Fee for card	1.49 EUR per month	1 USD per month	Free of charge	Free of charge
Fee for supplementary card	1.49 EUR per month	1 USD per month	Not offered	Free of charge
New card issue (instead of existing)	Free of charge⁵	Not offered	Free of charge⁵	Free of charge
Commission fee for goods and services purchases	Free of charge
Cash withdrawal in other banks	3% of the sum, min. 3 EUR	3% of the sum, min. 5 USD	3% of the sum, min. 3 EUR
Cash withdrawal in Citadele Bank ATMs	Free of charge	3% of the sum, min. 5 USD	Free of charge
Cash withdrawal in ATMs of other banks in Estonia and outside:
Starting from the 4th withdrawal a month (Bank is calculating service fees on the transaction made on the account)	Free of charge	3% of the sum, min. 5 USD	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	3% of the sum, min. 5 USD	1% of the sum, min. 1 EUR
Interest for unauthorised negative balance (per day)	0.06%
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	0.50 USD/ per inquiry/ statement	0.32 EUR/ per inquiry/ statement
Currency exchange mark-up fee	2%
Mastercard cards⁶
		Mastercard Standard⁷		Mastercard Gold⁸
Currency		EUR	USD	EUR	USD
Fee for card		2.99 EUR per month	2.50 USD per month	5.99 EUR per month	6.50 USD per month
Fee for supplementary card		2.99 EUR per month	2.50 USD per month	5.99 EUR per month	4.20 USD per month
Fee for goods and services purchase
Cash withdrawal in other bank, in ATM’s of other banks		3% of the sum, min 3 EUR	3% of the sum, min 5 USD	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		Standard payment fee + 3%		Standard payment fee + 3%
Annual fee for Priority Pass				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 service⁹				200 EUR per anum	300 USD per anum
Balance review:
In the Citadele Bank ATM (Estonia, Latvia)
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	0.32 EUR/ per inquiry/ statement	0.50 USD/ per inquiry/ statement
Currency exchange mark-up fee		2%
Visa Platinum
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
Cash withdrawal in other bank, in ATM’s of other bank				3% of the sum, min.3 EUR	3% of the sum, min. 5 USD
Cash withdrawal in Citadele Bank ATMs in Estonia and outside Estonia				3% of the sum, min.3 EUR	3% of the sum, min. 5 USD
Payment from account				Standard payment fee + 3%
Amount of credit limit				Individually
Credit interest (per annum)				18%
Interest on spent credit limit until the 15th date of the next month				0%
Minimum instalment				5% of the used credit limit amount + 100% of excess expenditure
Annual late payment interest rate				20%
Interest for unauthorised negative balance (per day)				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
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	0.50 USD/ per inquiry/statement
Annual fee for Priority Pass				Free of charge
Fee for 1 person’s visit to Priority Pass VIP lounge at the airport				30 EUR (VAT included)
Fast Track Security line and Business Lounge voucher at the Tallinn Airport^10,11
2 vouchers (within amount 60 EUR) per year				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
Currency exchange mark-up fee				2%

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 New cards are no longer issued as of 01.09.2019.
⁷ As of 01.11.2019 Mastercard Standard card will be renewed, replaced as X hero.
⁸ As of 01.11.2019 Mastercard Gold card will be renewed, replaced as X Platinum.
⁹ Service fee is applied for each payment card (incl. Supplementary card) / cardholder linked to Concierge Service.
¹⁰ 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).
¹¹ Fast Track Security voucher grants Business Lounge visit (customer don’t have to use Priority Pass visit for Business Lounge).