X hero

Effective since 01.12.2022

X hero
Service	Fee
Fee for card and/or for supplementary card	2.99 EUR per month
New card issue (instead of existing)	Free of charge
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	Standard payment fee + 3%
Minimum instalment	5% of the used credit limit amount + 100% of the excess expenditure
Annual credit interest rate	18 %
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
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport	Not offered
Concierge service	Not offered
Currency conversion rate	2%