Payments

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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

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

SEPA payments are Euro payments to the banks within European Union and some countries outside EU – Great Britain, Iceland, Liechtenstein, Norway, Switzerland, Monaco, Andorra, San Marino. IBAN account of the beneficiary is mandatory requirement for SEPA payment. 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 SEPA area. It is important to remember that, when making payments to or from the countries that require due diligence due to sanctions, payments may be subject to an increased commission fee.

More opportunities

Online bank

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

Find out more

Mobile app

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

Find out more

C cards

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

Find out more

Payment accessories

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

Find out more

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Pay in the way that is best for you

Instant payments

Free transfers

Payment types

To a phone number

Instant payments

Regular payments