ACCOUNTS FOR BUSINESSES

If you are not yet our business customer, you can join us without coming to the bank! Now you just have to complete an application on the Citadele’s website. Fill it in and we will deliver the card to you free of charge within Latvia.

To become a customer using an application on the Citadele website, the following criteria must be met:

• the legal form of the company is SIA (Ltd.), individual merchant (IK), farm undertaking or fishery undertaking (ZS).
• your company is registered in the Register of Enterprises of the Republic of Latvia with a turnover of up to 30 000 EUR.
• your company is solvent.
• the company carries out economic activity in Latvia.
• you have been issued a passport or identity card of citizen or non-citizen of the Republic of Latvia.
• you have the right to represent the company individually.
• you have a qualified electronic signature - eSignature maintained by SmartID QES or LVRTC in Latvia.

If any of the above criteria is not met, please visit any of our branches, bringing an identity document.

Please note that when you become a customer of Citadele banka remotely, initially your company account will be limited. The maximum total amount of incoming transactions per month can be up to 30 000 EUR. This condition can be changed upon visiting a branch of the bank.
 

To start the completion, click on “Business customers” > “Become a customer” > “Become a customer” > “Become a customer remotely” and read the basic conditions. Before filling in the application, choose the most suitable type of authorization.

After you have finished completion of the application, a bank representative will contact you if necessary. If the application is successful and no additional information is required, you will receive the following information in the near future:

• an e-mail about the successful completion of the application and instructions on how to proceed;
• an SMS with the login to the Online Banking (if a new Online Banking Agreement was drawn up).

To view detailed information about the services you applied for, go to the section of the website “My applications”.

1) To view the status of your application and detailed information about the services of by Citadele banka you applied for, log in with a secure electronic signature.

2) After you have been granted access to the Online Banking, create a password with which you will be able to identify yourself by telephone on behalf of the company.

Be sure to do this, because if you have questions about your company’s services and would like to contact us by telephone, we will need to identify you as a company representative. When you call us, we will ask for your telephone password and you will have to state it. Without this password, we will not be able to verify by telephone that you are authorized to represent the company and will not be able to provide any information about the company’s accounts and other products.

How to activate Online Banking?
If you are a new user of the Online Banking and you need to activate the authorization device MobileSCAN for the Online Banking, go to the section of the website “My applications”

1) To activate MobileSCAN, log in to the section “My Applications”.

2) After authorization, you will see detailed information about the company’s application, the services applied for and the activation of MobileSCAN.

3) In addition, download Citadele’s mobile app from Google play or App store to enable MobileSCAN activation.

4) After activating your Online Banking, create the company’s password for telephone identification.

Be sure to do this, because if you have questions about your company’s services and would like to contact us by telephone, we will need to identify you as a company representative. When you call us, we will ask for your telephone password and you will have to state it. Without this password, we will not be able to verify by telephone that you are authorized to represent the company and will not be able to provide any information about the company’s accounts and other products.

When applying remotely, choose the most advantageous service plan for your company. This will provide your company with:

• a certain number of free SEPA transfers (depending on the type of plan);
• unlimited number of free intrabank transfers;
• a certain number of free current accounts;
• a certain number of free C Business cards with an account in the first year of service.

In addition, an application for the Online Banking is processed:

• if you are already a customer of the bank and use Citadele Online Banking with the authorization device MobileSCAN, you will be able to choose whether to use the existing connection or create a new one (a new MobileSCAN license and login will be issued);
• if you do not currently use Citadele Online Banking or you have another authorization device, you will be issued a new Online Banking Agreement with a new login name and MobileSCAN license.
   

To become a customer using an application on the Citadele website, the following criteria must be met:

• the legal form of the company is SIA (Ltd.), individual merchant (IK), farm undertaking or fishery undertaking (ZS).
• your company is registered in the Register of Enterprises of the Republic of Latvia with a turnover of up to 30 000 EUR.
• your company is solvent.
• the company carries out economic activity in Latvia.
• you have been issued a passport or identity card of citizen or non-citizen of the Republic of Latvia.
• you have the right to represent the company individually.
• you have a qualified electronic signature - eSignature maintained by SmartID QES or LVRTC in Latvia.

You can become a Citadele customer in the most convenient way for you – remotely or in person.

When applying in person, the following documents are required to start a business relationship:

Legal entity the process of registration of which has not been completed yet (temporary account): 

• customer questionnaire;
• foundation agreement or articles of association of the company;
• identity document (passport/ID card) of the representative of the company.

Registered legal entity: 

• customer questionnaire;
• identity document (passport/ID card) of the representative of the company;
• identification data of beneficial owners.

! If necessary, Citadele may request additional documents according to a risk-based approach (e.g., proof of origin of funds, proof of ownership structure for businesses with a complex cross-border ownership structure, documents confirming transactions with key business partners, in case of a payment institution/electronic money institution – AML/CFT policies and procedures, etc.).
 

• Go to the section of the website “Business customers” > “Become a customer” > “Become a customer” > “Become a customer remotely”.
• Read the basic conditions.
• Choose the most convenient type of authorization.
• Fill in information about your company.
• Sign the application with a pre-selected qualified electronic signature.

The account and Citadele Online bank are available immediately after you have received an e-mail about successful submission of the application, you will receive an X Business Card by post within a week. Activate the card in the mobile app or Online bank and use it for making payments.

A qualified electronic signature, which is legally equivalent to a handwritten signature, must be used to complete the application. Qualified electronic signatures in Latvia are:

• SmartID QES;
• eSignature maintained by LVRTC.

If the monthly turnover of your company exceeds 30 000 EUR, you will be able to apply for banking services only in person.

Within a week after completing the application. You will receive two shipments – the C Business card is sent first and a few days later – the PIN code.

If you do not have the right to sign the application individually, you must apply for a face-to-face visit to the bank’s branch with the other signatories.

Contact us at +371 6701 0000 or info@citadele.lv.

• If you receive more than 30 000 EUR in your account in the current month, banking services will be limited. In this case, a bank representative will contact you and advise you on further actions.
• If you already know that you will receive more than 30 000 EUR per month in the company’s account, apply for a face-to-face visit to the bank’s branch in time.

Registration and sending the card by post is free of charge. You can read information on the costs of the service plan here.

• If the authorization device for the existing Online Banking is MobileSCAN, you will be able to use the existing connection. A bank specialist will contact you to clarify whether you want to draw up a new Online Banking Agreement or use the current one.
• If you do not have MobileSCAN yet, log in to your Online Banking and connect it.

When you become a bank customer on the Citadele website, initially your account will have a maximum total amount of incoming payments of 30 000 EUR per month that you can receive in your account. This condition can be changed upon arrival at a branch of the bank.

No, you do not have to be a Citadele customer. However, if you want to become one, download the Citadele mobile app and select the section “Become a bank customer”.

It takes an average of 10 minutes to complete the application.

The bank may refuse to become a customer in cases specified in regulatory enactments and in accordance with the bank’s internal regulatory documents, for example, if the bank cannot verify the legality of the company’s income or if the authorized person provides false information to the bank.