Debit cards
| Visa Electron, Maestro (for individuals/ corporate persons) |
LVL |
USD |
EUR |
| Fee for card/ supplementary card maintenance |
- |
50.00 USD per year |
50.00 EUR per year |
| Fee for card/ supplementary card |
0.50 LVL per month |
- |
- |
| Purchase of goods and services |
free of charge |
0.5% |
0.5% |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
free of charge |
1.5% (min. 3.00 USD) |
1.5% (min. 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
1% (min. 2.00 LVL) |
1.5% (min. 5.00 USD) |
1.5% (min. 5.00 EUR) |
| Transfer from account |
as from current account |
as from current account |
as from current account |
| Cash withdrawal in bank Citadele |
as from current account |
as from current account |
as from current account |
| Cash withdrawal in other banks |
1% (min. 2.00 LVL) |
1.5% (min. 5.00 USD) |
1.5% (min. 5.00 EUR) |
| Overdraft minimum monthly payment amount |
100% of spent overdraft amount and 100% of excess expenditure |
| Annual credit interest rate |
28% |
28% |
28% |
| Annual interest rate for the late payments (late payment interest (higher credit interest)) |
60% |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175 |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Card replacement |
3.00 |
20.00 |
20.00 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 000 LVL |
equivalent of
1 000 LVL |
equivalent of
1 000 LVL |
Effective from 07.10.2011.
ATM cards
| Visa Plus2, CIRRUS (cash cards) (for individuals/ corporate persons) |
LVL |
USD |
EUR |
| Fee for card/ supplementary card maintenance |
6.00 LVL per year |
50.00 USD per year |
50.00 EUR per year |
| Cash withdrawal in ATM |
2% (min. 2.00 LVL) |
2% (min. 5.00 USD) |
2% (min. 5.00 EUR) |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
1.5% (min. 1.00 LVL) |
1.5% (min. 3.00 USD) |
1.5% (min. 3.00 EUR) |
| Transfer from account |
as from current account |
as from current account |
as from current account |
| Cash withdrawal in bank Citadele |
as from current account |
as from current account |
as from current account |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Card replacement |
3.00 LVL |
20.00 USD |
20.00 EUR |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 000 LVL |
equivalent of
1 000 LVL |
equivalent of
1 000 LVL |
Effective from 02.08.2009.
Regular credit cards
| Visa Classic, MasterCard Standard (under security deposit) (for individuals) |
LVL |
USD |
EUR |
| Fee for card/ supplementary card maintenance |
36.00 LVL per year |
80.00 USD per year |
80.00 EUR per year |
| Purchase of goods and services |
free of charge |
0.5% |
0.5% |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in bank Citadele |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Overdraft minimum monthly payment amount |
5% of spent overdraft amount and 100% of excess expenditure |
5% of spent overdraft amount and 100% of excess expenditure |
5% of spent overdraft amount and 100% of excess expenditure |
| Annual credit interest rate |
26% |
26% |
26% |
| Annual interest rate for the late payments (late payment interest (higher credit interest)) |
60% |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
- |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
- |
equivalent of 10.00 LVL per month1 |
equivalent of 10.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 500 LVL |
equivalent of 1 500 LVL |
equivalent of 1 500 LVL |
Effective from 07.10.2011.
Gold credit cards
| Visa Gold, MasterCard Gold (under security deposit) (for individuals/ corporate persons) |
LVL |
USD |
EUR |
| Fee for card/ supplementary card maintenance |
99.00 LVL per year |
180.00 USD per year |
180.00 EUR per year |
| Purchase of goods and services |
free of charge |
0.5% |
0.5% |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
3% (min. 1.00 LVL) |
3% (min. 3.00 USD) |
3% (min. 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in bank Citadele |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Overdraft minimum monthly payment amount |
5% of spent overdraft amount and 100% of excess expenditure |
5% of spent overdraft amount and 100% of excess expenditure |
5% of spent overdraft amount and 100% of excess expenditure |
| Annual credit interest rate |
24% |
24% |
24% |
| Annual interest rate for the late payments (late payment interest (higher credit interest)) |
60% |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Annual fee for Priority Pass usage |
free of charge |
free of charge |
free of charge |
| Fee for one person's visit at Priority Pass airport VIP area |
15.00 LVL |
27.00 USD |
24.00 EUR |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
- |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
- |
equivalent of 10.00 LVL per month1 |
equivalent of 10.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
2 000 LVL |
equivalent of 2 000 LVL |
equivalent of 2 000 LVL |
Effective from 07.10.2011.
Bank Citadele credit cards
| Visa Platinum (for individuals/ corporate persons) |
USD |
EUR |
| Fee for card maintenance |
250.00 USD per year |
250.00 EUR per year |
| Fee for supplementary card maintenance |
125.00 USD per year |
125.00 EUR per year |
| Purchase of goods and services |
0.5% |
0.5% |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
3% (min. 3.00 USD) |
3% (min. 3.00 EUR) |
| Cash withdrawal in ATM |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in bank Citadele |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in other banks |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Annual credit interest rate |
18% |
18% |
| Annual interest rate for the late payments (late payment interest (higher credit interest)) |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
| Overdraft minimum monthly payment amount |
5% of spent overdraft amount and 100% of excess expenditure |
5% of spent overdraft amount and 100% of excess expenditure |
| Card replacement |
20.00 |
20.00 |
| Fee for 1 person’s visit at Priority Pass airport business area |
27.00 |
24.00 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
equivalent of
20 000 LVL |
equivalent of
20 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
equivalent of 2 000 LVL |
equivalent of 2 000 LVL |
Effective from 07.10.2011.
Virtual credit cards
| Visa Classic, MasterCard Mass (for individuals/ corporate persons) |
LVL |
USD |
EUR |
Fee for card maintenance:
for 2 months
for 12 months |
3.00 LVL
14.00 LVL |
5.00 USD
25.00 USD |
5.00 EUR
25.00 EUR |
| Purchase of goods and services |
1% |
1% |
1% |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Cash withdrawal in bank Citadele |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Overdraft minimum monthly payment amount |
100% of spent overdraft amount and 100% of excess expenditure |
| Annual credit interest rate |
32% |
32% |
32% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
60% |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
Effective from 07.10.2011.
Business credit cards
| Visa Business, MasterCard Business (for corporate persons) |
LVL |
USD |
EUR |
| Fee for card/ supplementary card |
69.00 LVL per year |
120 USD per year |
120 EUR per year |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Purchase of goods and services in Latvia |
free of charge |
0.5% |
0.5% |
| Purchase of goods and services abroad |
free of charge |
0.5% |
0.5% |
| Cash withdrawal in bank Citadele |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
3% (min. 1.00 LVL) |
3% (min. 3.00 USD) |
3% (min. 3.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Overdraft minimum monthly payment amount |
100% of spent overdraft amount and 100% of excess expenditure |
| Annual credit interest rate |
24% |
24% |
24% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
60% |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
till 10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 500 LVL |
equivalent of 1500 LVL |
equivalent of 1500 LVL |
| Overdraft minimum monthly payment amount |
till the 15th date of each month 100% of spent overdraft amount and 100% of excess expenditure |
till the 15th date of each month 100% of spent overdraft amount and 100% of excess expenditure |
till the 15th date of each month 100% of spent overdraft amount and 100% of excess expenditure |
Effective from 07.10.2011.
Business credit cards
| Visa Business Gold, MasterCard Business Gold (for corporate persons) |
LVL |
USD |
EUR |
| Fee for card/ supplementary card |
99.00 LVL per year |
180 USD per year |
180 EUR per year |
| Card replacement |
12.00 LVL |
20.00 USD |
20.00 EUR |
| Purchase of goods and services |
free of charge |
0.5% |
0.5% |
| Cash withdrawal in bank Citadele |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
3% (min. 2.00 LVL) |
3% (min. 5.00 USD) |
3% (min. 5.00 EUR) |
| Overdraft minimum monthly payment amount |
100% of spent overdraft amount and 100% of excess expenditure |
| Annual credit interest rate |
24% |
24% |
24% |
| Annual interest rate for the late payments (higher annual credit interest rate (additionally to the annual interest rate)) |
60% |
60% |
60% |
| Penalty rate for the excess of the credit limit (per day) |
0.175% |
0.175% |
0.175% |
| Annual interest rate for collateral deposit what serves as collateral for credit card |
see Deposits chapter |
see Deposits chapter |
see Deposits chapter |
| Transfer from account |
as from current account + 3% |
as from current account + 3% |
as from current account + 3% |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the first year of card inactivity |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Servicing of the account with an attached payment card, if a card has expired and new card has not been issued to the client, for the further years of card inactivity |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
equivalent of 2.00 LVL per month1 |
| Cash withdrawal from ATMs and POS terminals in banks - monthly limit for 1 (one) payment card |
till 10 000 LVL |
equivalent of
10 000 LVL |
equivalent of
10 000 LVL |
| Cash withdrawal from ATMs and POS terminals in banks - daily limit for 1 (one) payment card |
1 500 LVL |
equivalent of 1500 LVL |
equivalent of 1500 LVL |
Effective from 07.10.2011.
American Express credit cards
| Service |
Commission |
| |
USD |
EUR |
GBP |
| Guarantee issue |
120.00 |
equivalent 120.00 USD |
equivalent 120.00 USD |
| Guarantee with deposit coverage issue (per year) |
1.5% of amount (min. 200 USD) |
1.5% of amount (min. 200 EUR) |
1.5% of amount (min. 200 GBP) |
| Guarantee without deposit coverage issue (per year) |
3.5% of amount |
3.5% of amount |
3.5% of amount |
| Client’s guarantee deposit for American Express Services Ltd. issued cards: |
| Centurion card |
100 000 USD |
100 000 EUR |
100 000 GBP |
| Platinum card |
75 000 USD |
75 000 EUR |
75 000 GBP |
| Bank’s issued guarantee and authorized credit amount for American Express Services Ltd. issued cards: |
| Centurion card |
75 000 USD |
75 000 EUR |
75 000 GBP |
| Platinum card |
50 000 USD |
50 000 EUR |
50 000 GBP |
| Automatic coverage of negative card balance on American Express Services Ltd. Platinum and Centurion issued card accounts from client’s personal account or from client’s company account |
free of charge |
free of charge |
free of charge |
| Penalty for late payments (in the current month) |
0.07% of late payment’s amount per day (2.00 USD) |
0.07% of late payment’s amount per day (2.00 EUR) |
0.07% of late payment’s amount per day (2.00 GBP) |
| Penalty for late payments (starting with the second month) |
0.1% of late payment’s amount per day |
0.1% of late payment’s amount per day |
0.1% of late payment’s amount per day |
Fee for SWIFT transaction to client American Express Platinum or Centurion card accounts in American Express bank
|
45 USD |
45 EUR |
45 GBP |
| Fee for American Express Services Ltd. Platinum or Centurion account statement and other material dispatch connected with card service |
5 USD |
5 EUR |
5 GBP |
Effective from 13.04.2010.
Other payment card services
| |
USD |
EUR |
| Balance review in bank Citadele, Latvijas Krājbanka, GE Money Bank, ATM networks using Visa, Visa Electron, MasterCard, Maestro cards |
free of charge |
free of charge |
| Balance review in ATM networks of other banks in Latvia using Visa, Visa Electron, MasterCard, Maestro cards |
0.50 |
0.50 |
| Balance review in ATM networks of other banks abroad using Visa, Visa Electron, MasterCard, Maestro cards |
1.00 |
1.00 |
| Account report dispatch by post: |
| in Latvia |
equivalent 1.00 LVL |
equivalent 1.00 LVL |
| outside Latvia |
equivalent 3.00 LVL |
equivalent 3.00 LVL |
| Transaction report dispatch by fax (1 page) |
5.00 |
5.00 |
| Transaction report receipt in Bank for the last 3 months |
free of charge |
free of charge |
| Transaction report receipt in Bank from archive for period more than 3 months (1 page) |
0.50 LVL |
0.50 LVL |
| Review of a groundless claim |
10.00 |
10.00 |
| Currency exchange mark-up fee for Visa, Visa Electron, MasterCard, Maestro, Cirrus cards |
4.3% |
4.3% |
| Card account closure |
free of charge |
free of charge |
| Unblocking of smart card`s PIN code, which was blocked three times entering incorrect code in POS terminal (service is rendered in Client Service Centres) |
2.00 LVL |
2.00 LVL |
| Unblocking of card per request, which was blocked three times entering incorrect PIN code |
10.00 USD |
10.00 EUR |
Effective from 07.10.2011.
3D Saving Account Card (Visa Business2, MasterCard Business2)
| |
LVL |
EUR |
| Fee for card |
35.00 LVL per year |
60.00 EUR per year |
| Monthly fee for supplementary card |
free of charge |
free of charge |
| Replacement card issuance |
12.00 LVL |
20.00 EUR |
| Purchase goods and services |
free of charge |
0.5% |
| Cash withdrawal in Citadele banka (Latvia), GE Money Bank, Latvijas Krājbanka, Latvijas Hipotēku un zemes banka and Nordea bank Latvian branch ATM networks in Latvia |
1% (min. 2.00 LVL) |
1% (min. 5.00 EUR) |
| Cash withdrawal in ATM networks of other banks |
1% |
1% |
| Cash withdrawal in other banks |
1% (min. 2.00 LVL) |
1% (min. 5.00 EUR) |
| Overexpenditure interest rate per day |
0.175% |
0.175% |
| Transfer from account |
as from 3D Saving Account |
Effective from 01.11.2010.
Transfer of Credit limit from one Client’s current account to which the card is attached to the another account
| LVL |
EUR |
USD |
| 5.00 LVL |
7.00 EUR |
10.00 USD |
Effective from 22.11.2010.
1 till the balance of the account is equal to zero.
2 card is not issued.
Security