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Private banking
About the bank
C Rewards
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A minute in the bank is a minute too many

Banks services and offers online – quick, convenient and better.

To reach your goals choose the most suitable loan type – consumer loan, small home loan, home energy efficiency loan or car loan.

  • Apply online, get the offer within 10 minutes and receive money in your account within a few minutes.
    • Apply for a loan
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When you’re planning on buying a new home, we offer a choice of loans with great terms to best suit your needs: a mortgage loan to purchase, build or renovate your chosen home; a loan for the purchase of building land; or a Green mortgage loan for the purchase or construction of a home which complies with the highest energy-efficiency standards.

  • A lower loan interest rate for the first 12 months and 0 EUR processing fee in the case of Green mortgage loans, when you submit a new loan application from 01.10 – 31.12.2024.1
  • 0 EUR processing fee and free valuation of the property, when you submit a new mortgage loan application 01.12–30.07.2025. and show a valid Latvian Family of Honour certificate.2
  • Free home insurance for the mortgaged property for the first year of your agreement.
  • Apply for a loan online, follow along with the process and receive an offer electronically.
Apply for a loan
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More convenient everyday with C cards – enjoy the benefits of the card.

  • Free transfers in EUR across Europe and cash withdrawals free of charge worldwide (within card’s limit).
  • Card without monthly fee – try C prime for 3 months and C supreme for 2 months for free.
  • Travel and shopping insurance – basic for C supreme card, while C prime card holders enjoy extensive insurance for purchases and travel for the entire family.
  • Apply for C card in mobile app at a convenient time and place for you.
View cards
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Get even more from your card - C card rewards you for shopping!

  • When you sign up for the C REWARDS program (it’s free), you collect points for each purchase to get the prize of your choice.
  • Exchange points for free coffee, cinema ticket or restaurant meal, Wolt vouchers or other prizes from our shopping, gourmet and leisure offering.
  • Receive monthly special offers and benefit from discounts with our partners in shops, cafes and entertainment venues.
I want free prizes
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A term deposit is as exact as a clock: a set rate, set term, chosen currency, and clarity on how much you will receive at the end of the term.

Apply Find out more
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How can you save money while also caring for the environment? Our Green Savings Account satisfies both needs: you will increase your savings while simultaneously helping initiatives which allow us to live more sustainably.

Have a look at our deposit interest rates and Price list.

Apply Find out more
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Use Finoterapija.lv3, our free online tool, to organize your personal finances and receive a personalised savings and deposits plan right away.

Start Finotherapy

3 Services are provided by companies in the Citadele Group: IPAS "CBL Asset Management", AAS "CBL Life" and AS "CBL Atklātais pensiju fonds”.

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Become a customer remotely

Become a customer through the Citadele mobile app wherever and whenever is convenient.

  • Takes just 7 minutes.
  • Receive your card by post within 3-5 business days.
  • You can use the bank’s digital services straight away.
Download app Scan QR-code to download the app

See opportunities online for businesses

  • One payment for all your everyday business needs: opening and servicing an account, free EUR transfers in Latvia and Europe, a C business card, authorisation tools, and access to the Citadele Business Portal for data analysis and issuing electronic invoices.
  • GREAT VALUE - become a customer until 31.12.2024. and use any service plan for your business daily needs first 12 months for free.
Become a customer Find out more
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  • Special offer – use POS terminal without a monthly rental fee for the first 12 months.
  • The offer is valid for both new and existing customers, signing the contract until 01.12.2024, and who have not had an active contract for this service in Citadele during the last 6 months.
Apply Find out more
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  • VISA, Mastercard card payments - serve card users worldwide.
  • Fast payment with Klix - provide fast, convenient payments for purchases with a phone number.
  • Multilink online bank payments - allow shoppers to pay directly from their bank account.
Apply More about the offer
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Apply for a loan of up to 70 000 EUR with ALTUM guarantee to develop your business or for various needs. No need to use your property as collateral.

  • Apply online, receive an answer within couple of hours and sign the agreement online.
  • After signing, the money will be in your business account within a few hours.
Receive an offer Find out more
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Become a business customer remotely

Time is money, so no one likes to spend time on things that can be done quickly. Fill out the application and the questionnaire remotely if you can represent your company alone. Become a customer in 20 minutes and enjoy the benefits of your business account in Citadele!

Become a customer
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Business portal

Manage transactions and issue e-invoices in one place for free.

Learn more

1 Example: if you take out a 30-year loan secured by a real estate mortgage for 80 000 EUR with an interest rate per year of 1.55% + 6-month EURIBOR (for the purposes of this calculation, we have used the 6-month EURIBOR rate as of 31.07.2024., which is 3.579%), then your monthly payment is 435.79 EUR (for a total of 360 payments). APR 5.51%. The total amount to be paid by the customer (including repaying the loan, interest payments, a 0 EUR commission fee for processing the loan, a government fee of 0.1% of the mortgage sum for registering the loan in the land registry, and the annual insurance premium for the mortgaged property (assuming that it is 100 EUR starting from the second year after signing the loan agreement)) is 160 894.11 EUR. Borrow responsibly, and consider your ability to repay the loan.
2 Example: if you take out a 30-year loan secured by a real estate mortgage for 80 000 EUR with an interest rate per year of 1.69% + 6-month EURIBOR (for the purposes of this calculation, we have used the 6-month EURIBOR rate as of 27.11.2024., which is 2.694%), then your monthly payment is 399.85 EUR (for a total of 360 payments). APR 4.72%. The total amount to be paid by the customer (including repaying the loan, interest payments, a 0 EUR commission fee for processing the loan, a government fee of 0.1% of the mortgage sum for registering the loan in the land registry, and the annual insurance premium for the mortgaged property (assuming that it is 100 EUR starting from the second year after signing the loan agreement)) is 147 816.49 EUR. Borrow responsibly, and consider your ability to repay the loan.

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