Authentication and payment confirmation methods

You can check your account balance in the Online bank. When you log in to the Online bank, you can see your account balance on the start page. Pay attention to two key balances:
Balance: this is the total amount in your account, including any reserved sums for pending transactions.
Available Balance: the real amount in your account that you can use for spending
Bear in mind that these two may differ. 

To see how much you have reserved, click on the account that interests you, and you will see your transactions. You can also go to Accounts and Cards and select the account you want there.

When you click on Reserved Amount, you will see a list of transactions for which the funds have been reserved, but not yet transferred. This means that you have physically made the transaction, but the retailer has not yet submitted an application for the transfer of funds.

For us to consider increasing your MobileSCAN limits remotely, there are two things you must do: 

1. Submit an application. 
To do this, log in to the full version of online banking (through our website), and under Correspondence with Bank select Order to Bank.

Fill in the following sections: 

• Topic: Increasing MobileSCAN limits
• Account number for authorisation: select any of your accounts from the list
• Order text: Fill in the text using this template: Please remotely increase my MobileSCAN limits, because … (describe the reason) 

Select Next and sign the order using a code from your authorisation device. 
You can check whether it has been successfully submitted to the bank in your Order History; you will see a “P” next to your order, which means that your application is being processed. 

2. Call the bank at +370 5 221 9091 and inform the operator that you have submitted an application to increase your MobileSCAN limit.

Be ready to identify yourself over the phone. 

Card replacement is when you order the same card and maintain your existing account. 

Cards can be replaced when: 

• The card has been stolen; 
• The card has been lost; 
• You have forgotten your PIN code; 
• You left your card in an ATM; 
• The card is past its expiration date; 
• The cardholder’s name and/or surname has changed; 
• The card has been damaged; 
• There are suspicions of fraud; 
• You have not received your card (from the branch/ by mail).

To replace your payment card, you need to log in to the Online bank, click on Accounts and Cards, and select Replace existing card.

When you click on Replace existing card, you must fill in all the required fields. Compulsory fields are marked with an asterisk. Some fields will be automatically filled in. Please check whether the information is correct, and adjust if necessary.

Some fields contain control mechanisms, and you will see a warning if you have entered incorrect information. If this is the case, find the incorrect information and make corrections.

After you enter your details, you must sign your application and submit. Click on Next and confirm the payment with your authorisation device. You can always check the status of your application under Document History.

If you have forgotten your existing MobileSCAN PIN code, and you cannot log in to the Citadele app, you must disconnect and reactivate MobileSCAN in the app. The bank does not save your MobileSCAN PIN code anywhere, so we cannot remind you. To disconnect your existing MobileSCAN:

1. Open the app and click on MobileSCAN.

2. In the upper right hand part of the screen, click on the MobileSCAN settings icon.

3. Open device information and click on Disconnect this MobileSCAN device.

To reinstall MobileSCAN, if you have a private customer account with the bank, you can only activate MobileSCAN in the app:

1. Click on Log In.

2. Enter your online bank username and password.

3. MobileSCAN activation will begin automatically.

4. Ensure that this phone number is under your control and click Receive SMS.

5. Enter the code you receive by SMS

6. Enter and confirm your new PIN code.

7. Activate the use of biometrics (fingerprint, facial recognition or iris), if your phone offers this, and you have activated the use of biometrics for unlocking your phone.

8. MobileSCAN has been activated!

Bear in mind that, if you reinstall MobileSCAN in the app, transaction limits will be 3,000 Euro for one payment and 3,000 Euro per day. If you wish to increase your transaction limits, you will have to visit a branch in person. 

Important! The limit for one payment on the app is 10,000 Euro, regardless of other MobileSCAN limits.

If you are acting on behalf of another person (you do not have your own Citadele account), then in order to reactivate MobileSCAN, you must visit a branch and bring your old MobileSCAN license.

How do I access the Online Bank if I need to oversee another person’s accounts?
You must accompany this person to your nearest branch, and both of you must bring a form of ID (passport or ID card). A branch employee will draw up an Online Bank agreement, while you will choose your own username and decide which authorisation tool to use - MobileSCAN, code calculator or Mobile-ID.

How do I access the Online Bank if I need to oversee a legal person’s accounts?
You must accompany the company’s signatory (statutory or power of attorney) to your nearest branch, and both of you must bring a form of ID (passport or ID card). A branch employee will draw up an Online Bank agreement, while you will choose your own username and decide which authorisation tool to use - MobileSCAN, code calculator or Mobile-ID