Information for citizens of Ukraine

Opening an account for Ukrainian citizens and payments to Ukrainian accounts: free  

In solidarity with Ukraine and its people, we have amended the process by which Ukrainian citizens can open a Citadele account and receive a payment card in order to make it easier. 

Ukrainian citizens can become Citadele customers:

• remotely, by filling in an application on the mobile app;
• in person at Citadele branch.

Applying to open an account is free both when done remotely and in person.

When becoming a customer remotely, Ukrainians can choose between our C smart, C supreme and C prime payment cards, depending on their needs. Meanwhile, in-person customers will receive a Mastercard Debit card. All of these cards allow holders to make contactless payments and withdraw up to €750 per month in cash an unlimited number of times from Citadele ATMs and other ATMs worldwide without commission.

To open an account remotely, the you must:

• be at least 18 years of age;
• hold a Ukrainian biometric passport or ID card;
• have a residence permit issued by Estonia;
• have a Estonian-registered phone number;
• have a residential address in Estonia;
• hold Estonian tax residency.

When opening a bank account in person, you must come to a branch with your Ukraine-issued form of ID: a passport or ID card. You must book an appointment at the branch in advance by calling +372 77 00 000. If necessary, we will dedicate additional resources to processing your account opening request.

Any of our customers can make payments to Ukrainian accounts with no commission fee. Although payments in any currency are free, we suggest making donations in Euro, because we can process these payments faster. Please also bear in mind that adapting the bank’s system take time, so a commission fee will be taken when the payment is made, but we will return this to your account as soon as possible.

Important information! The return of the commission fee for payments to Ukraine is valid until 30.06.2025.

Making payments to Ukrainian accounts for private individuals is free of charge until 30.06.2025. While commissions are removed for transfers in any currency, we kindly ask you to make them in euro, if possible, because these payments are the quickest to process. Please also note that adjustments of bank systems require time, so the commission will be withheld at the time of payment, but we will return it within one week.

Frequently asked questions