Products and services that are no longer offered

Effective since 01.12.2022

Citadele payment card
Service	Fee
Maintainance of the payment card and / or supplementary card	1,99 EUR per month / for students free of charge¹
SEPA, SEPA Instant payments initiated electronically from card account	Free of charge
Cash withdrawal in MEDUS ATMs, Citadele bank ATMs in Latvia, other banks ATMs and Perlas terminals (service provided by UAB “Perlas Finance”)	Free of charge up to 750 EUR⁸ per month, 1 % min 3 EUR from amount above / for students free of charge up to 250 EUR per month, 2 % min 2 EUR from amount above
Credit limit repayment (at the end of the month)	5 % of the used credit limit amount + 100 % of the fees and interest
Credit limit interest (per annum)	28 %
Interest for unauthorised negative balance (per day)	0,05 %
Currency exchange mark-up fee	2,75 %
X credit cards (issued till 2019.01.01)
	X hero	X Platinum
Maintainance of the card (with up to 3 additional current accounts) and / or supplementary card	3 EUR per month	5 EUR per month
Cash withdrawal in ATM	Free of charge up to 1 000 EUR per month², 3 %, min 3,50 EUR from amount above	Free of charge up to 1 500 EUR per month³, 3 %, min 3,50 EUR from amount above
Payment from account	Free of charge SEPA payments + 2 % for payments from credit limit
Minimum instalment	5 % of the used credit limit amount + 100 % of the fees and interest
Credit limit interest (per annum)	19 %	18 %
Interest for unauthorised negative balance (per day)	0,175 %
Priority Pass	Not offered	Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport	Not offered	30 EUR (VAT included)⁴
Concierge service	Not offered	EUR 200 per year per each card
Currency exchange mark-up fee	2,75 %
Mastercard Debit payment card for youth¹
Service	Fee
Maintainance of the card and / or supplementary card	Free of charge
SEPA, SEPA Instant payments initiated electronically	Free of charge
Payments within Citadele bank, initiated electronically	Free of charge
Cash withdrawal at MEDUS network ATMs, Citadele ATMs in Latvia, ATMs of other banks and Perlo terminals (service provided by UAB Perlas Finance)	Free of charge up to 750 EUR per month, 2% (min. 2 EUR) from amount above
Interest on unauthorized negative balance (days)	0.05%
Currency exchange mark-up fee	2,75%
Electronic currency exchange	In accordance with Citadele bank rate
Maestro
Mastercard Standard
Service	Fee
Fee for card and/or supplementary card	1,50 EUR per month
Payment from account	Standard payment fee + 2 % for payments from credit limit
Cash withdrawal in ATMs and Perlas terminals, service provided by UAB “Perlas Finance”	3 % (min. 3,50 EUR)
Minimum instalment	5 % of the spent credit limit amount + 100 % of excess expenditure
Interest for unauthorised negative balance (per day)	0,175 %
Credit limit interest (per annum)	17 %
Currency exchange mark-up fee
Mastercard Gold
Service	Fee
Fee for card and/or supplementary card	3,50 EUR per month
Payment from account	Standard payment fee + 2 % for payments from credit limit
Cash withdrawal in “MEDUS” ATMs and Citadele bank ATMs in Latvia, other banks ATMs and Perlas terminals, service provided by UAB “Perlas Finance”	3 % (min. 3,50 EUR)
Credit limit repayment (at the end of the month)	5 % of the used credit limit amount + 100 % of the fees and interest
Interest for unauthorised negative balance (per day)	0,175 %
Credit limit interest (per annum)	16 %
Currency exchange mark-up fee	2,75 %
Current account¹⁰
Payment from account	Standard payment fee
Closure of account	Free of charge
Maintainance of inactive customer’s account¹¹ or account without active card attached (starting from second year after card’s expiry)	10 EUR

¹ The student program is available to individuals between the ages of 7 till 21 (inclusive) with a valid student certificate.
² The indicated amount is the total maximum amount of cash withdrawals per month at all ATMs in Lithuania and abroad and at Perlo terminals.
³ The indicated amount is the total maximum amount of cash withdrawals per month at all ATMs in Lithuania and abroad and at Perlo terminals.
⁴ With Priority Pass cards issued together with X Infinite cards, VIP lounges can be visited 5 times per year - free of charge.
⁵ For X Infinite within a calendar year, 8 visits is offered free of charge.
⁶ The offer is valid for seniors aged over 60.
⁷ The student program is available to individuals between the ages of 7 till 21 (inclusive) with a valid student certificate.
⁸ The indicated amount is the total maximum amount of cash withdrawals per month at all ATMs in Lithuania and abroad and at Perlo terminals.
⁹ With prior 7 calendar days notice to Citadele Bank. Without prior notice 1 % + fee as from current account.
¹⁰ Current account can be open if customer has any active card in Citadele bank. Customer can have maximum 3 current accounts.
¹¹ Starting from second year since last customer’s initiated transaction.
¹² Payments initiated in Internetbank, MobileApp, regular payment, eInvoice regular payment processed as SEPA. The price is apply as for X cards account bundle owners.