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  1. Private customers
  2. Decided to leave the 2nd pension pillar? Let’s talk!

DECIDED TO LEAVE THE 2ND PENSION PILLAR? LET’S TALK!

Already decided to withdraw your accumulated funds? This is a great time to think about how they can work for you. Sign up for an online conversation where we will discuss your needs and help you find the most suitable solution for you.

Schedule a call

Why is it worth having a conversation?

After withdrawing from the 2nd pension pillar, your accumulated funds are in your hands. It’s important to use them responsibly — not just leave them sitting in an account, but make them work for you. We’ll help you understand your options and choose a direction that aligns with your goals.

  • No obligations — just an open conversation about your finances. Our specialists are here to help: during the conversation, we’ll discuss your needs, future plans, and financial expectations.
  • The conversation is completely free — for Citadele bank clients as well as anyone looking for the most suitable way to put their money to work.
  • A personalized approach — we’ll take the time to understand your goals and plans, and offer solutions tailored to your individual situation.
  • We’ve prepared special offers designed to help your money create even greater value for you.
Schedule a call

This conversation is for informational purposes only and does not constitute investment advice.

Three Citadele payment cards: C prime (gray with a rainbow shimmer), C supreme (gold), and C smart (silver), layered on top of each other.

Not a Citadele bank client yet?

Select any of our C cards and join the ranks of Citadele clients in just 7 minutes!

  • Any of our C cards will bring value to your everyday life with free payments in euros within Europe and commission-free withdrawals from ATMs worldwide. worldwide (ATM owner fees may apply).*
  • C smart or C smart NEON with a low monthly fee for adults and zero monthly fee for schoolchildren and students.
  • C supreme with basic purchase and travel insurance**, a lowest-price guarantee for purchases, and an option of adding a credit limit of up to 5000 EUR.
  • C prime with extensive insurance for you and your family*, some additional benefits for travel and shopping, and an option of adding a credit limit of up to 15 000 EUR.
  • C REWARDS discounts throughout the Baltics and C REWARDS points to collect and exchange for amazing prizes. There are additional conditions.
Choose card

* Currently 10 000 euros is the maximum total amount of incoming payments per month that you can receive in your accounts in Citadele.
** The service is provided by ADB Compensa Vienna Insurance Group.

How to become our client

In mobile app

If you are not yet our client, you can join us without coming to a bank!

  • Take a photo of yourself and your ID
  • Fill in an application and receive your new C card by post in your address
  • Activate it through the app
Scan and download the app
Download app

If you're not 14 yet, ask your parents to open an account for you in online bank (if they're Citadele customers) or come to any of our branches with one parent.

Smartphone screen with the Citadele mobile app open, displaying the Cards section with the visual of the C prime lava card and available card management functions.

In branch

You can also become a client at by visiting our
branch. Book your visit in advance.

Book a visit Find your closest branch