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  1. Private Banking
  2. Investing in the financial markets

Investing in the financial markets

If you plan on investing in the financial markets, we are the best partner to make things happen.

Extensive investment opportunities

Invest worldwide with our wide range of business partners.

Customer support

Receive support during both European and US trading sessions from our financial market specialists.

Investment account status

For more tax-efficient investments.

AS "Citadele banka" does not offer investment portfolio management services, fund and asset management services, individual consultations on investing in financial instruments, or recommendations on the capital markets. These services are provided by Citadele Group businesses: IPAS "CBL Asset Management", AAS "CBL Life" and AS "CBL Atklātais pensiju fonds".

  • Extensive investment opportunities in investment funds of various classes and types, from classic bond funds to market-traded index funds.
  • Options for investing in locally and globally recognised CBL Asset Management funds with no commission fee.
  • Diversified tools overseen by industry professionals which are developed according to specific investment strategies, such as long-term growth or low-risk investments.
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  • Investments for a set term and with various risk and profit levels.
  • A wide and diverse range of corporate and government bonds, allowing you to invest in various issuers, currencies, markets and regions.
  • Professional and experienced brokers who will provide high-quality service and transactions.
  • A clear and transparent commission system without hidden fees or extra costs.
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  • Become a co-owner of all the large European, US and local businesses.
  • Profit from capital gains or dividend payments. You can access another source of income depending on the amount you invest and the businesses you choose.
  • Receive the support of a broker all day long, up until the end of the US share-trading day.
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Gold

  • Buy gold as an investment.
  • Citadele provides investment gold transactions and secure storage.
Apply for a consultation

Loan for financial instruments

A convenient, great-value way to finance your plans.

Apply for a consultation

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How do I open a financial instrument account?

Existing bank customers can open a financial instrument account. They must have a current account or card account open. We recommend also activating the online bank. 

To open a financial instrument account, you must read the relevant documents, terms and conditions and sign an application to open a financial instrument account and transaction agreement. 

The easiest way to do this is for free through the Citadele online bank under Investments (New Order > Application to open a financial instrument account and transaction agreement). 

If necessary, you can also sign an agreement at any Citadele branch.

How much do financial instrument transactions and financial instrument account servicing cost?

Financial instrument purchase and sale transactions are subject to brokerage commissions which are calculated based on the type of financial instrument and the size of the transaction, but please bear in mind that there is a minimum commission fee per transaction, and in some markets there may be an additional fee for transactions. 
You can see brokerage commissions on our Price List under Brokerage Services. 

Meanwhile, the following commission fees apply for financial instrument account servicing: 

  • a monthly fee for holding financial instruments, taken in the customer’s chosen base portfolio currency;
  • a commission fee for the customer’s chosen transaction (receiving, transferring or deregistering securities), which is taken in the transaction currency; 
  • a fee for processing orders for corporate events or tax certification documents for certain financial instrument types. 

You can see the full list of service prices on the Price List under Financial Instrument Account Servicing. 

Commission fees are taken automatically from the money in the customer’s financial instrument account. Customers must ensure that they have a sufficient balance, otherwise there may be a commission fee for a negative balance.

Do I have to pay taxes?

Yes, you must pay income tax on capital gains and on capital (dividend) income.

How do I submit an order for a financial instrument transaction?

You can submit an order at any branch of the bank, or remotely by phone or through the online bank.

Can I receive a consultation from the bank on the best investments?

The bank does not give recommendations on the most suitable investment types, and does not recommend specific financial instruments, as only the customer can adequately evaluate and make decisions on their investments, needs and the suitability of specific financial instruments for their aims and requirements. 

However, we recommend that potential investors use Finoterapija, an online consultation prepared by Citadele subsidiary CBL Asset Management, which was created to help customers understand how to better manage their finances.

What is a convertible bond?

A company may issue convertible bonds, which the bond holder has the right to exchange for shares of this company within a certain time period.

More questions
How do I open a financial instrument account?

Existing bank customers can open a financial instrument account. They must have a current account or card account open. We recommend also activating the online bank. 

To open a financial instrument account, you must read the relevant documents, terms and conditions and sign an application to open a financial instrument account and transaction agreement. 

The easiest way to do this is for free through the Citadele online bank under Investments (New Order > Application to open a financial instrument account and transaction agreement). 

If necessary, you can also sign an agreement at any Citadele branch.

How much do financial instrument transactions and financial instrument account servicing cost?

Financial instrument purchase and sale transactions are subject to brokerage commissions which are calculated based on the type of financial instrument and the size of the transaction, but please bear in mind that there is a minimum commission fee per transaction, and in some markets there may be an additional fee for transactions. 
You can see brokerage commissions on our Price List under Brokerage Services. 

Meanwhile, the following commission fees apply for financial instrument account servicing: 

  • a monthly fee for holding financial instruments, taken in the customer’s chosen base portfolio currency;
  • a commission fee for the customer’s chosen transaction (receiving, transferring or deregistering securities), which is taken in the transaction currency; 
  • a fee for processing orders for corporate events or tax certification documents for certain financial instrument types. 

You can see the full list of service prices on the Price List under Financial Instrument Account Servicing. 

Commission fees are taken automatically from the money in the customer’s financial instrument account. Customers must ensure that they have a sufficient balance, otherwise there may be a commission fee for a negative balance.

Do I have to pay taxes?

Yes, you must pay income tax on capital gains and on capital (dividend) income.

How do I submit an order for a financial instrument transaction?

You can submit an order at any branch of the bank, or remotely by phone or through the online bank.

Can I receive a consultation from the bank on the best investments?

The bank does not give recommendations on the most suitable investment types, and does not recommend specific financial instruments, as only the customer can adequately evaluate and make decisions on their investments, needs and the suitability of specific financial instruments for their aims and requirements. 

However, we recommend that potential investors use Finoterapija, an online consultation prepared by Citadele subsidiary CBL Asset Management, which was created to help customers understand how to better manage their finances.

What is a convertible bond?

A company may issue convertible bonds, which the bond holder has the right to exchange for shares of this company within a certain time period.

Investing in securities is associated with various potential risks, as a result of which you could suffer losses and/or not reach your planned investment goals. Before you start investing, please carefully read the detailed risk report, which you can find under the article prepared by the Bank entitled Information on Investment Services, in the section Information on Financial Instruments and related Risks.

More opportunities

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Investment funds

One of the most popular financial instruments, which offers the chance to maintain and even grow the value of your savings. Apply for a consultation and achieve your goals. Service provided by Citadele subsidiary CBL Asset Management.
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Short terms savings

A way of saving for your goals using the benefits of the Krājkonts account and Term Deposits. Apply through the online bank and achieve your dreams.
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Accumulative life insurance

Use the opportunity to invest part of the paid insurance premiums and create savings, for example, for children's education. Apply and receive an annual income tax rebate of up to 20 %. Service provided by Citadele subsidiary AAS CBL LIfe.
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