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  2. Payments

Payments

Extensive payment options that fit your habits and opportunities.

Pay in the way that is best for you

Make payments through the online bank, mobile app or an ATM.

Instant payments

Pay rapidly to more than 1900 European Union banks.

Free transfers

Become a C card holder and pay zero commission on EUR transfers within European Union.

Payment types

Instant payments are Euro transfers 24 hours a day, 7 days a week, 365 days a year including bank holidays.

  • Transfer up to 15 000 EUR (legal persons up to 100 000 EUR) instantly to other Lithuanian banks or to more than 1900 European Union banks.
  • Make instant payments through the mobile app or online bank.
  • A successful instant payment reaches the recipient’s bank account in just 10 seconds.
  • If the recipient bank cannot accept the payment as an instant payment, or if it requires additional checks to process, the instant payment may be rejected and instead processed as a standard Euro payment within the European Union.
Citadele mobile app screen for making a payment to a phone number, showing the phone number input field, amount, and Continue button.

If you make regular payments of a fixed amount, for example, for electricity, leasing, internet, rent or television, you can entrust Citadele with paying them.

  • Set up a regular payment, and the bank will ensure the payment is made from your account to the recipient with set regularity.
  • Regular payments can be made both to Citadele accounts and other Lithuanian banks.
  • You can set up, change or cancel regular payments in the online bank for free.
Find out more
A woman is holding a laptop in her lap, with the payment section of Citadele's online bank displayed on the screen.

A convenient way to receive and pay service provider bills.

  • Manage and pay all invoices issued by service providers automatically or with a one-time payment in Citadele Online bank.
  • E-invoice payments can be activated, changed or terminated, free of charge in Citadele Online bank or at any branch of the bank.
  • E-invoices can be viewed and paid at any time of the day in the online bank.
Find out more

Verification of Payee (VoP)

Verification of Payee (VoP) is a service that helps you check if the name of the person or company you want to pay matches the account number (IBAN) you entered. It is there to help you avoid mistakes and reduce some fraud risks.

Please note: VoP does not stop every type of fraud. It only tells you if the name you wrote matches the account details. Even if you see a full match, always stay careful when sending money – take a moment to ensure the money is going to a real person or company.

Once you’ve entered the payee’s name and account number, the bank’s system will automatically check if the recipient’s name matches the account number. You will see the result before confirming the payment.

  • Beneficiary name correct – name matches exactly.
  • Beneficiary name corrected – similar name, initial name changed to the correct name.
  • Beneficiary name mismatch – warning about a mismatch.
  • Service unavailable – temporary unavailability of verification service.

You can still proceed with the payment even if there’s mismatch. However, to avoid fraud, it’s recommended to check why the name doesn’t match the account number.

What other transfer types are available?

Internal transfers

Transfers between your own Citadele accounts, as well as between different Citadele clients throughout the Baltics.

SEPA payments

Euro payments to banks within Lithuania, or to banks within the other 27 European Union member states with an IBAN recipient account number. SEPA payments are completed as standard payments. You can see submission and processing times here.

International payments

Euro or overseas currency payments to banks outside the European Union.
You can find practical tips on how to make international payments here.

Laptop screen with an open online bank 'Currency Exchange' section, where the user can select account, currency, and amount.

Non-cash currency exchange

  • In the Online bank, you can perform currency exchange transactions in non-cash money, even if you do not have an account in the desired currency.
  • If the currency exchange operation is performed in a multi-currency account, a more favorable exchange rate will be automatically offered depending on the exchange amount.
Currency converter
Four C cards (C Infinite, C smart, C supreme, C prime) on a light background, highlighting their design and colors.
Four C cards (C Infinite, C smart, C supreme, C prime) on a light background, highlighting their design and colors.

Commission-free transfers!

C card users (C smart, C supreme, C prime and C Infinite) don’t have to pay commission on payments within Citadele, instant payments, and standard Euro payments within the European Union, regardless of how many payments they make.

More on C cards

Payments

Service
Service Fee
Type of payment
Type of payment From C cards account , electronically1, 2, 3 From other accounts, electronically2 In branch or SkyBranch International customers, electronically4
Payments to own account within Citadele group
Payments to own account within Citadele group Free of charge Free of charge 10 EUR As for residents
Payment to another customer's account within the Citadele group
Payment to another customer's account within the Citadele group Free of charge 0.20 EUR5 10 EUR As for residents
Standard EUR payments within the EU (SEPA, SEPA Instant payments)
Standard EUR payments within the EU (SEPA, SEPA Instant payments) Free of charge 0.40 EUR5 10 EUR As for residents
Payments outside SEPA in any currency6, 7
Payments outside SEPA in any currency6, 7 18 EUR 18 EUR Not offered 75 EUR
Urgent payments outside SEPA in any currency6, 7
Urgent payments outside SEPA in any currency6, 7 35 EUR 35 EUR Not offered 100 EUR
Non-SEPA incoming transfers with commission type BEN and SHA
Non-SEPA incoming transfers with commission type BEN and SHA 10 EUR or equivalent 10 EUR or equivalent Not offered 10 EUR

1 Special conditions apply to payments initiated from C smart, C Supreme, C prime, C Infinite accounts.

2 Payments initiated in the "Citadele" Online Banking, in the mobile app, regular payments and e-invoices payments.

3 Until 2 April 2024 the card was called X card.

4 Private individuals are classified as International private customers, if they don't meet the private individual - Resident definition. A Resident is a natural person legally residing in the Republic of Lithuania or in any other Member State of the European Union or of the European Economic Area, i.e. a person who, by virtue of the legislation of the Republic of Lithuania or of such other Member State has the right to reside in the Republic of Lithuania or in other Member State or meet other criteria under applicable law.

5 Free of charge for Mastercard Debit card for youth and Seniors.

6 Same fee is applied regardless of payment charge type (SHA or OUR). In case of charge type OUR all fees related to payment processing are covered by the payer. Citadele bank is not liable if the correspondent bank or the beneficiary bank has not followed the instructions given in the payment order or beneficiary has not been received in full due to other reasons. The Lithuanian branch of AS Citadele banka reserves the right to withhold the commission fees claimed by the recipient bank or otherwise related to the payment from the Customer’s account without additional acceptance.

7 Detailed information about currencies available for payments and information on payment submission and execution cut-off times, can be found on webpage https://www.citadele.lt/lt/private/payments/execution/ .

Other payments services

Regular payment service or e-invoice regular payment service implementation/agreement amendment Free of charge (Electronically); 10 EUR (In branch or SkyBranch)
Processing of cancellation request of the payment within Citadele Group (Lithuania, Latvia, Estonia) or payment in Euros to other Lithuanian banks1, 2 10 EUR
Processing of payment investigation, amendment or cancellation’s request – other cases 50 EUR + additional fee3
Payment through the PLAIS instruction to the beneficiary's account within the bank and to other banks 1 EUR

1 Payment is cancelled free of charge if it has not been credited to the beneficiary’s account or sent to the beneficiary’s bank. The fee is applied regardless of whether the funds have been refunded. If the funds have already been credited to the beneficiary’s account, they will be returned only with the recipient’s consent.

2 The fee is taken in addition to the standard fee for incoming and outgoing payments and the fee is charged from the Customer account regardless of payment commission type. List of countries to which additional fee is applied is published in https://www.citadele.lt/en//private/payments/execution/ .

3 Additional fees can occur if the correspondent bank or beneficiary bank requests additional commission fee for investigation/cancellation of the payment. The Lithuanian branch of AS Citadele banka reserves the right to withhold the mentioned additional fees from the Customer’s account without additional acceptance.

See full price list

Payments1

Service / Fee
Service / Fee Electronically2 In branch or SkyBranch3
Payments to own account within Citadele group4
Payments to own account within Citadele group4 Free of charge 10 EUR
Payment to another customer's account within Citadele group
Payment to another customer's account within Citadele group 0,29 EUR 10 EUR
Standard EUR payments within the EU (SEPA, SEPA Instant payments)
Standard EUR payments within the EU (SEPA, SEPA Instant payments) 0,40 EUR 10 EUR
Payments outside SEPA in any currency5
Payments outside SEPA in any currency5 18 EUR Not offered
Urgent payments outside SEPA in any currency (SHA and OUR)5, 6
Urgent payments outside SEPA in any currency (SHA and OUR)5, 6 35 EUR Not offered
Salary payment7
Salary payment7 Free of charge Not offered
Incoming payment from account in Citadele Bank lincl.from “Citadele banka” Latvia and Estonia branches, SEPA payments
Incoming payment from account in Citadele Bank lincl.from “Citadele banka” Latvia and Estonia branches, SEPA payments Free of charge Not offered
Non-SEPA incoming transfers with commission type BEN and SHA
Non-SEPA incoming transfers with commission type BEN and SHA 10 EUR or equivalent Not offered

1 Payment rates if the service plan is not selected and/or is not active, and/or if the payment limit has been reached.

2 Payments initiated in the Internetbank, MobileApp, regular payments and e-invoice payments.

3 SEPA instant payment not available at Branch, Sky Branch. Information on the maximum amount limit of the payment initiated in Sky Branch is available on the Bank's website and in the customer service units.

4 Internetbank, MobileApp, regular payment, eInvoice regular payment processed as SEPA or SEPA Instant payment.

5 OUR - bank fees are paid by the payer, i.e. y. The fees set by the Lithuanian branch of AS Citadele banka and other banks are paid by the payer. In this case, the payee receives the full amount of the payment (when the payment is made in US dollars, other banks' fees may be deducted from the amount sent). The Lithuanian branch of AS Citadele banka reserves the right to deduct additional fees for OUR payment.

6 Detailed information is available on webpage https://www.citadele.lt/en/business/.

7 Payments within Citadele Bank submitted in Internetbank through Salary payment register or through file import as salary payment.

Other payment services

Service / Fee
Service / Fee Electronically1 In branch or SkyBranch2
Regular payment service or e-invoice regular payment service implementation/agreement amendment
Regular payment service or e-invoice regular payment service implementation/agreement amendment Free of charge 10 EUR
Investigation, amendment of the payment or processing of payment's cancellation’s request3
Investigation, amendment of the payment or processing of payment's cancellation’s request3 50 EUR + other banks commission
Payment through the PLAIS instruction to the beneficiary's account within the bank and to other banks
Payment through the PLAIS instruction to the beneficiary's account within the bank and to other banks 1 EUR

1 Payments initiated in the Internetbank, MobileApp, regular payments and e-invoice payments.

2 SEPA instant payment not available at Branch, Sky Branch. Information on the maximum amount limit of the payment initiated in Sky Branch is available on the Bank's website and in the customer service units.

3 If the payment is not sent from the bank, the payment will be cancelled free of charge.

See full price list

More opportunities

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Online bank

A convenient and secure method of managing your finances, applying for various loans or signing agreements for your chosen products.
Learn more
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
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C cards

Free money transfers within Europe and free cash withdrawals from ATMs worldwide. C REWARDS prizes and discounts.
Learn more