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X smart
Private customer
| X smart | X smart for youth1 | |
|---|---|---|
| Currency | Eur | EUR |
| 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 | Free of charge |
| Commission fee for goods and services purchase | Free of charge | Free of charge |
| Cash withdrawal in Citadele Bank | As from current account | As from current account |
| Cash withdrawal in other banks | 1% (min. 3 EUR) | 1% (min. 3 EUR) |
| Cash withdrawal in Citadele Bank ATMs in Estonia | Free of charge up to 1000 EUR per month2, 0.2% from amount above | Free of charge up to 1000 EUR per month2, 0.2% from amount above |
| 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) | Free of charge 5 transactions or 1000 EUR max per month - free of charge, above limit 1% (min. 1 EUR) |
| Payments from account | electr. payments - free of charge | electr. payments - free of charge |
| Interest for unauthorized negative account balance (per day) | 0.06% | 0.06% |
| SMS to customer about incoming sum to account | Free of charge | Free of charge |
| Currency exchange mark-up fee | 2% | 2% |
Effective from 13.01.2020.
1 Aged 16 till 21 (included).
2 EUR 1000 is the maximum total amount that can be withdrawn from any ATM in Estonia or abroad a month.