Citizen bank card

Service Type Fee
1. Fee for issuance of the card free of charge
2. Fee for use of the card
- For students
- For city residents
- For seniors
5 EUR per year
1 EUR per month
0.45 EUR per month
3. Fee for extraordinary card replacement in case of loss or damage thereof 5.50 EUR
4. Purchase fee (incl. shopping online)1
- In Latvia and abroad free of charge
5. Fee for cash withdrawal:
- in Norvik Banka’s ATMs in Riga, 11 Raina boulevard, 2B Prusu Street free of charge
- in other ATMs in Latvia and abroad
- in POS terminals of Norvik Banka, with a card in EUR currency
up to 700 EUR one transaction in a month - free of charge;
over 700 EUR- 1% ,min. 1.50 EUR, from the sum exceeding 700 EUR;
the commission fee applied to all other transactions performed in the current month is 1% from the sum, min. 1.50 EUR

The commission fee is withheld on the last business day of the month, in which the amount of the transaction was deducted from the customer’s card account

(see annex Information on the procedure of withholding the commission fee for cash withdrawal using a card at Norvik Banka POS terminals and ATMs in Latvia and abroad)
- in POS terminals of other banks in Latvia and abroad 2% from the sum, min. 3 EUR
6. Fee for cash withdrawal from card account (without using card) at Norvik Bankа According to the Tariffs of cash transactions
7. Fee for transfers from the Citizen card account According to the Payment Tariffs
8. Fee for unscheduled card exchange, in case of loss/damage of card 5.50 EUR
9. Fee for urgent issuance of the card (within 8 working hours) 15 EUR
10. Fee for balance enquiry at other ATMs 0.28 EUR
11. Fee for change of daily or monthly limit (for purchases and/or cash withdrawal) 5 EUR
12. Charges for receiving SMS-Bank messages:
- on mobile phone
- on e-mail
0.10 EUR
free of charge
13. Interest for the use of the allowed credit limit 26 % per year
14. Penalty for an overrun of the assigned credit (interest is calculated from the date of occurrence of overspending the credit) 0,167 % per day
15. Penalty for each day of the monthly payment delay (relative to the amount of the monthly payment) 0,25 % per day
16. Review of documents for loan disbursement free of charge
17. Commission fee for registration and issuance of credit free of charge
18. Currency conversion fee 2,5 %
19. Maintenance of a card account without an active card, starting from the 4th month 0,20 EUR monthly
20. Servicing of each Account if the client is inactive (surcharge)2 1 EUR monthly
21. Fee for balance request at Norvik Banka’s ATM free of charge
22. Fee for PIN code change through Norvik Banka’s ATM free of charge
23. Unblocking PIN code in Norvik Banka’s ATM free of charge
24. Verification of documents for a private person to open an account with a residence permit EUR 25
1 other traders (min. 2 EUR) (see annex) - 1% from transaction amount.
2 A client shall be deemed inactive if neither of his/her settlement/card accounts opened in the Bank has had at least 3 (three) debit operations per month during any of the last 4 (four) calendar months (except for debit operations related to withholding the Bank’s commission fees) and/or salary, pension and/or allowance is credited to the account in a non-cash form, and/or the client is not provided any of the following services: deposit, investment account, marginal account, a loan and it is not more than 5 (five) days overdue, pre-paid utility commission payment card.