Terms and Conditions

General

General Terms and Conditions of Banking Services Terms and Conditions of Current Account Terms and Conditions for Opening and Servicing the Customer's Plan Terms and Conditions of Standing Order Execution Privacy Protection Rules

Depositor Information Sheet General Terms and Conditions for Issuance of Bank Guarantees General Terms and Conditions for Issuance of Letters of Credit General Terms and Conditions of Factoring agreement

Loans and Leasing

Loan Agreement Part 2 General Provisions for legal entities (in Estonian) (signed agreements from 22.03.2023) Loan Agreement Part 2 General Provisions for legal entities (signed agreements till 22.03.2023) Terms and Conditions of Credit Limit for private individuals General Terms and Conditions of ОÜ Citadele Leasing & Factoring for private individuals (in Estonian) General Terms and Conditions of ОÜ Citadele Leasing & Factoring for legal entities (in Estonian)

General Terms and Conditions of the credit limit agreement for legal entities (signed agreements from 20.03.2024) (in Estonian) General Terms and Conditions of the overdraft agreement for legal entities (signed agreements from 20.03.2024) (in Estonian) Terms and conditions of Citadele leasing portal SIA Citadele Leasing Estonia branch’s general terms. Valid from 08.03.2021 (in Estonian)

E-services

Terms of Citadele Online Banking use and Servicing (for private customers) Terms of Citadele Online Banking use and Servicing (for business customers)

Terms and Conditions for Online Banking with Authorization Categories (for business Customers) Terms of Citadele SMS Bank use and Servicing

Savings

Terms and Conditions of Term Deposit for private customers Terms and Conditions of Term Deposit for business customers Conditions for Opening and Service of a Savings Account (for private customers) Conditions for Opening and Service of a Savings Account (for business customers)

Terms of Opening and Servicing The Green Savings Account (Effective to 31.05.2024) Terms of Opening and Servicing The Green Savings Account (Effective from 01.06.2024)

Cards

Terms and Conditions for use and Servicing of Card (for private customers) Terms and Conditions for use and Servicing of Card (for business customers) Terms of use of Priority Pass Service

Accepting Payment Cards

Terms of the Acceptance of the Cards and Processing of the Transactions Card Acceptance Device (POS terminal) Rental Regulations Payment Card Acceptance Regulations, using Self-Service Card Acceptance Device

Payment Card Acceptance Regulations Payment Card Checking Procedure

Ecommerce - Acceptance of online payments

Terms of Use of Acceptance of online payments with payment cards and the KLIX solution Multilink Terms of Service

Travel and purchase insurance

Terms and conditions of travel and purchase insurance (valid from 01.06.2023)

Other

Terms of Use and Servicing of Citadele Business Portal Client's questionnaire - Explanations/ Definitions Ownership and control structure information - Explanations/ Definitions Citadele Terms Against Prohibited Conduct (for business customers)