Decision Tree

Sometimes, after repaying a loan, there may be a balance left in the loan repayment account. If more money was transferred to your loan payment account than needed to fully repay the loan. These funds will be returned to your other account at Citadele bank based on your linked consumer loan agreement with Citadele. This could be a bank account, or if none exists, another Klix loan payment account. If you do not have such accounts, the funds will be transferred to another bank account from which the last funds transfer was made.

If you want to receive these funds in a different account (other than the one from which the last payment was made) or if you want the bank to transfer the funds urgently, you need to fill out a request for the refund of unused funds for loan coverage. 

The easiest way to do request is through our website under My Applications, logging in using Smart-ID or Mobile-ID. Then choose "View Contracts" and fill out the "Free form order" and enter your bank and the account number to which we should transfer the funds. 

Order text example: Please transfer my balance to my bank account. Bank account no.:_____, bank name: _____.