Extensive payment options that fit your habits and opportunities.


Pay in the way that is best for you

Make payments through the online bank or mobile app.


Instant payments

Pay rapidly to more than 1900 European Union banks.


Free transfers

Become a C card holder and pay zero commission on EUR transfers within Europe.

Payment types

What payment could be simpler! To make a transfer, all you need is a phone number — you don’t need to know someone’s bank account number.

  • You can make payments to phone numbers which have been registered to the Instant Links registry.
  • The payment commission is the same as for payments made to an account number. EUR transfers are commission free for C card users within the European Union.
  • Citadele customers can easily register their phone number in the Instant Links registry using the Citadele app (under More > Settings > Instant link).
Download the mobile app
make payment to phone number in Citadele mobile app

Instant payments are Euro transfers 24 hours a day, 7 days a week, 365 days a year including bank holidays.

  • Transfer up to 15 000 EUR (legal persons up to 100 000 EUR) instantly to other Estonian banks or to more than 1900 European Union banks.
  • Make instant payments through the mobile app or online bank.
  • A successful instant payment reaches the recipient’s bank account in just 10 seconds.
  • If the recipient bank cannot accept the payment as an instant payment, or if it requires additional checks to process, the instant payment may be rejected and instead processed as a standard Euro payment within the European Union.
view of instant payments in Citadele mobile app

If you make regular payments of a fixed amount, such as electricity, leasing, internet, rent or television you can entrust Citadele with paying them.

  • Set up a regular payment, and the bank will ensure the payment is made from your account to the recipient with set regularity.
  • Regular payments can be made both to Citadele accounts and other Estonia banks.
  • You can set up, change or cancel regular payments in the online bank for free.
Find out more
screen of online bank payment section

What other transfer types are available?

Internal transfers

Transfers between your own Citadele accounts, as well as between different Citadele clients throughout the Baltics.

SEPA payments

Euro payments to banks within Estonia, or to banks within the other 27 European Union member states with an IBAN recipient account number. SEPA payments are completed as standard payments. You can see submission and processing times here.

International payments

Euro or overseas currency payments to banks outside the European Union. It is important to remember that, when making payments to certain countries, payments may be subject to an increased commission fee. Please see the list of these countries and respective commission fees before making a payment.

Non-cash currency exchange


You can exchange currency in the Citadele online bank even to a currency which is not your account currency. With multi-currency account you can exchanged currency at a improved exchange rate upon agreement with the bank.

Currency converter

c cards
c cards

Commission-free transfers!

C card users (C smart, C supreme, C prime and X Infinite) don’t have to pay commission on payments within Citadele, instant payments, and standard Euro payments within the European Union, regardless of how many payments they make.

More on C cards

More opportunities


Online bank

A convenient and secure method of managing your finances, applying for various loans or signing agreements for your chosen products.
Learn more

Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Learn more

C cards

Free money transfers within Europe and free cash withdrawals from ATMs worldwide. C REWARDS prizes and discounts.
Learn more

Payment accessories

Choose your contactless payment method: ring, wristband or sticker.
Learn more