Products and services that are no longer offered

Effective since 01.12.2022

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Maestro
Maestro2 Offer for up to 18-yearsolds3 Offer for seniors3
Currency EUR USD EUR EUR
Fee for card 1.49 EUR per month 1 USD per month Free of charge Free of charge
Fee for supplementary card 1.49 EUR per month 1 USD per month Not offered Free of charge
New card issue (instead of existing) Free of charge5 Not offered Free of charge5 Free of charge
Commission fee for goods and services purchases Free of charge
Cash withdrawal in other banks 3% of the sum, min. 3 EUR 3% of the sum, min. 5 USD 3% of the sum, min. 3 EUR
Cash withdrawal in Citadele Bank ATMs Free of charge 3% of the sum, min. 5 USD Free of charge
Cash withdrawal in ATMs of other banks in Estonia and outside:
Starting from the 4th withdrawal a month (Bank is calculating service fees on the transaction made on the account) Free of charge 3% of the sum, min. 5 USD Free of charge
Starting from the 4th withdrawal a month (Bank is calculating service fees on the transaction made on the account) 1% of the sum, min. 1 EUR 3% of the sum, min. 5 USD 1% of the sum, min. 1 EUR
Interest for unauthorised negative balance (per day) 0.06%
Balance review:
in Citadele banka (Estonia, Latvia) ATM network Free of charge
in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/ statement 0.32 EUR/ per inquiry/ statement
Currency exchange mark-up fee 2%
Mastercard cards6
Mastercard Standard7 Mastercard Gold8
Currency EUR USD EUR USD
Fee for card 2.99 EUR per month 2.50 USD per month 5.99 EUR per month 6.50 USD per month
Fee for supplementary card 2.99 EUR per month 2.50 USD per month 5.99 EUR per month 4.20 USD per month
Fee for goods and services purchase
Cash withdrawal in other bank, in ATM’s of other banks 3% of the sum, min 3 EUR 3% of the sum, min 5 USD 3% of the sum, min 3 EUR 3% of the sum, min 5 USD
Amount of credit limit Individually Individually
Credit interest (per annum) 22% 22%
Interest on spent credit limit until the 15th date of the next month 0% 0%
Minimum instalment 5% of spent overdraft amount and 100% excess expenditure 5% of spent overdraft amount and 100% excess expenditure
Interest for unauthorised negative balance (per day) 0.06% 0.06%
Payment from account Standard payment fee + 3% Standard payment fee + 3%
Annual fee for Priority Pass Free of charge
Fee for 1 person’s visit at Priority Pass airport business area - 30 EUR (VAT included) equivalent of 30 EUR(VAT included)
Balance review:
In the Citadele Bank ATM (Estonia, Latvia)
in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/ statement 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/ statement
Currency exchange mark-up fee 2%
Visa Platinum
Currency EUR USD
Fee for card 200 EUR per annum 250 USD per annum
Fee for supplementary card 100 EUR per annum 125 USD per annum
Commission fee for goods and services purchase Free of charge
Cash withdrawal in other bank, in ATM’s of other bank 3% of the sum, min.3 EUR 3% of the sum, min. 5 USD
Cash withdrawal in Citadele Bank ATMs in Estonia and outside Estonia 3% of the sum, min.3 EUR 3% of the sum, min. 5 USD
Payment from account Standard payment fee + 3%
Amount of credit limit Individually
Credit interest (per annum) 18%
Interest on spent credit limit until the 15th date of the next month 0%
Minimum instalment 5% of the used credit limit amount + 100% of excess expenditure
Annual late payment interest rate 20%
Interest for unauthorised negative balance (per day) 0.06%
Interest rate (per annum) for collateral deposit which serves as collateral for credit card interest rate applicable for term deposit in accordant currency
Balance review:
in Citadele banka (Estonia, Latvia) ATM network Free of charge
in ATM networks of other banks (if the service is available from ATM) 0.32 EUR/ per inquiry/ statement 0.50 USD/ per inquiry/statement
Annual fee for Priority Pass Free of charge
Fee for 1 person’s visit to Priority Pass VIP lounge at the airport 30 EUR (VAT included)
Fast Track Security line and Business Lounge voucher at the Tallinn Airport9,10
2 vouchers (within amount 60 EUR) per year Free of charge
Starting from 3rd voucher 30 EUR per voucher (VAT included) equivalent 30 EUR per voucher (VAT included)
Currency exchange mark-up fee 2%
  • 1 Pension accounts as of 01.11.2019 not offered.
  • 2 New cards are no longer issued as of 01.09.2019.
  • 3 Interest rates for term deposits + 0.10%.
  • 4 New, renewed and replaced cards in USD currency are no longer issued as of 01.09.2019.
  • 5 As of 01.11.2019 Maestro card will be renewed, replaced as X smart.
  • 6 New cards are no longer issued as of 01.09.2019.
  • 7 As of 01.11.2019 Mastercard Standard card will be renewed, replaced as X hero.
  • 8 As of 01.11.2019 Mastercard Gold card will be renewed, replaced as X Platinum.
  • 9 Voucher is issued to the Visa Platinum Card user from the Tallinn Airport information desk (Visa Platinum Card and valid identification document should be presented).
  • 10 Fast Track Security voucher grants Business Lounge visit (customer don’t have to use Priority Pass visit for Business Lounge).

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