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  2. Savings for your future

Savings for your future

If all your money circulates in your everyday account, saving is difficult, because everyday spending knows no limits. If you use one of our savings products, you have more opportunities for achieving your goals.

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Separate savings

Save in an account which is separate from your everyday spending.

Free choice of payments

Set your own minimum amount and how often you pay in.

Guaranteed repayment

Deposits are protected as part of the state deposit protection system.

Green Savings Account

How can you save money while also caring for the environment? Our Green Savings Account satisfies both needs: you will increase your savings while simultaneously helping initiatives which allow us to live more sustainably. Every euro you deposit could support sustainable development projects in the future. Make protecting your financial future green!

Apply Annual Percentage Rate

100 EUR
100 000 EUR
1 months
60 months
  • Your savings: (before tax)     2076.97 EUR
  • Deposit interest sum:
    icon
    76.85 EUR
  • Deposit interest rate:
    icon
    3.00%
  • Tax deduction (20%):
    icon
    15.37 EUR
    Grand total: 2061.60 EUR
    64.52 EUR
    Contribution amount
    Calculations are for your information only. The exact amount depends on the terms of your agreement.
    Apply
    Currency:
    100 EUR
    500 000 EUR
    1 months
    60 months
    Payment of accrued interest:
    Grand total: (before tax) 512.50 EUR
    Deposit interest sum: 12.50 EUR
    Deposit interest rate: 2.50%
    Tax deduction (20%): 2.50 EUR
    510.00 EUR
    Grand total
    Calculations are for your information only. The exact amount depends on the terms of your agreement.
    Apply
    Currency:
    100 EUR
    500 000 EUR
    1 months
    60 months
  • Your savings: (before tax)     2038.08 EUR
  • Deposit interest sum:
    icon
    37.96 EUR
  • Deposit interest rate:
    icon
    1.50%
  • Tax deduction (20%):
    icon
    7.59 EUR
    Grand total: 2030.49 EUR
    64.52 EUR
    Contribution amount
    Calculations are for your information only. The exact amount depends on the terms of your agreement.
    Apply
    Better % rate

    Term deposit

    A term deposit is a method of saving which is as exact as a clock: a set rate, set term, chosen currency, and clarity on how much you will receive at the end of the term. No surprises. Just as it should be.

    • You can open a term deposit account for free and without maintenance fees.
    • You can deposit your funds for between 1 month and 5 years at a fixed interest rate earned at the end of the term or monthly.
    • You can choose your deposit currency: Euro or US Dollars.
    • The government guarantees repayment of your deposit at Citadele up to 100,000 EUR.
    Apply Annual Percentage Rate

    Savings Account

    Some people believe that savings accounts are boring. Maybe that's true. But is there any short-term savings method offering a passionately exciting method of saving for the future?

    • Our savings account gives you the chance to earn a small amount of interest.
    • A good option is regular deposits, because then your Savings Account savings will be long-term and disciplined. When you set up a regular payment, we automatically transfer your money to your savings account on a specific day each month.
    • The government guarantees repayment of your deposit at Citadele up to 100,000 EUR.
    Apply Annual Percentage Rate

    Didn’t find the answer to your question?

    Visit our interactive assistant and find the information you need

    Interactive assistant
    How do I withdraw money from a Green Savings Account?

    To withdraw funds from a Green Savings Account, go to the online bank under Correspondence with bank > Free form Order to the bank.

    The order must display the following:

    • Topic: Withdraw funds from my Green Savings Account
    • Account number for authorisation: Your Green Savings Account number (Iban)
    • Body: Please make a payment of (amount) from my Green Savings Account to my current account (account number) in 60 (sixty) calendar days, not including the submission day.

    Select "Next", re-authorise and confirm your request by selecting "Execute".

    Where will my Green Savings Account investment go?

    With the Green Savings Account, we will support environmentally-friendly initiatives. We will invest* your money in sustainable projects, such as energy-efficient real estate projects.

    Energy-efficient real estate:

    • The home has been awarded an A or A+ energy-efficiency class;
    • The building complies with the criteria of a Nearly Zero Energy Building in accordance with local legislation;
    • The level of primary non-renewable energy used in the building is at least 10% lower than stipulated for the non-renewable energy level of a Nearly Zero Energy Building in accordance with local legislation.

    * The first loan round for suitable projects will be issued within 6 months of the product entering the market, or as soon as the deposit fund reaches 10 million EUR. Before then, deposited funds will be kept in the European Central Bank.

    Can you make a withdrawal from a Saving account?

    You can freely access your savings at any time by transferring them from your Saving Account to your current account without prior notice and without commission, by making a Payment between own accounts or making a New Payment.

    What is the minimum amount of money you can have in a Savings account?

    There is no minimum amount, you can begin saving from 1 EUR.

    What is the aim of a savings account?

    A savings account is one of the basic types of financial products, which allows you to deposit money and, usually, earn a small amount of interest, while maintaining the ability to withdraw your money within a relatively short amount of time.

    Can you pay bills from a Saving account?

    You can't pay bills from a savings account. Savings accounts are for long-term storage, not short-term repeat transactions.

    What is the minimum amount I can deposit in a savings account?

    There is no minimum, you can also deposit small amounts of money in the Savings Account and Green savings accounts. A regular payment may help you with the discipline to deposit larger amounts.

    What if I need to withdraw from my Green Savings account?

    If you want to withdraw funds from your Green Savings Account without fees, you must notify the bank within 60 days.

    However, if the funds are needed urgently, the bank deducts a fee, which represents 60 days of accrued interest on the amount withdrawn.

    Is there a limit on Saving account?

    There is no limit on the amount of money that you can put in a savings account.

    More questions
    How do I withdraw money from a Green Savings Account?

    To withdraw funds from a Green Savings Account, go to the online bank under Correspondence with bank > Free form Order to the bank.

    The order must display the following:

    • Topic: Withdraw funds from my Green Savings Account
    • Account number for authorisation: Your Green Savings Account number (Iban)
    • Body: Please make a payment of (amount) from my Green Savings Account to my current account (account number) in 60 (sixty) calendar days, not including the submission day.

    Select "Next", re-authorise and confirm your request by selecting "Execute".

    Where will my Green Savings Account investment go?

    With the Green Savings Account, we will support environmentally-friendly initiatives. We will invest* your money in sustainable projects, such as energy-efficient real estate projects.

    Energy-efficient real estate:

    • The home has been awarded an A or A+ energy-efficiency class;
    • The building complies with the criteria of a Nearly Zero Energy Building in accordance with local legislation;
    • The level of primary non-renewable energy used in the building is at least 10% lower than stipulated for the non-renewable energy level of a Nearly Zero Energy Building in accordance with local legislation.

    * The first loan round for suitable projects will be issued within 6 months of the product entering the market, or as soon as the deposit fund reaches 10 million EUR. Before then, deposited funds will be kept in the European Central Bank.

    Can you make a withdrawal from a Saving account?

    You can freely access your savings at any time by transferring them from your Saving Account to your current account without prior notice and without commission, by making a Payment between own accounts or making a New Payment.

    What is the minimum amount of money you can have in a Savings account?

    There is no minimum amount, you can begin saving from 1 EUR.

    What is the aim of a savings account?

    A savings account is one of the basic types of financial products, which allows you to deposit money and, usually, earn a small amount of interest, while maintaining the ability to withdraw your money within a relatively short amount of time.

    Can you pay bills from a Saving account?

    You can't pay bills from a savings account. Savings accounts are for long-term storage, not short-term repeat transactions.

    What is the minimum amount I can deposit in a savings account?

    There is no minimum, you can also deposit small amounts of money in the Savings Account and Green savings accounts. A regular payment may help you with the discipline to deposit larger amounts.

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