Free transfers within Europe

With X Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • Recipient IBAN number. 
  • Commission type: SHA (shared)
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Instant payments

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X Infinite account to any bank which supports instant payments. The money is transferred within seconds.

It is important to note that Instant Payments can only be made to European banks which are part of the instant payment system.

Instant Payments are money transfers 24 hours a day, 7 days a week, 365 days a year, including bank holidays. They are made within seconds, and give you the chance to receive your money straight away for further use.

Free cash withdrawals from ATMs anywhere in the world

Up to 2500 Euro commission free Unlimited number of times from Citadele ATMs in Estonia Unlimited number of times from other ATMs worldwide
Over 2500 Euro – commission fee 0.20% of the sum from Citadele ATMs in Estonia 1% of the sum from other ATMs worldwide (min. 1 Euro)

The commission fee discount only applies to commission fees set by Citadele Bank.

If you use another bank/organisation’s ATM, remember to pay attention to the warning on the screen!

If the ATM screen has a notification about commission fees, this will be applied by the bank/organisation whose ATM you are using.

If you withdraw cash in a different currency, the cost of the currency conversion will be in accordance with the Price List.