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PIN calculator



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Anything is possible

  • X smart

    From ordinary card to X smart. Card that provides more for everyday spending.



    Earn discounts and prizes when paying with your X card!

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  • Mobile bank

    Mobile banking has never been so simple!

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  • Home loan

    Consultation and personal client manager. We finance up to 85% of your home’s value.

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  • Consumer loan

    Up to 7 000 EUR to fulfill your dreams!

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  • Leasing

    Quick and easy application. WE finance up to 90% of the value of the vehicle.

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X smart

From ordinary card to X smart!

  • Become a customer remotely. We will deliver card to you anywhere in Tallinn region free of charge. No need to come to the Bank.
  • X REWARDS Prizes and discounts. Each card payment will earn you X REWARDS points to exchange them for valuable prizes. Receive discounts by shopping at merchant stores across Estonia, Latvia and Lithuania.
  • Free transfers. Transfer in Euro to Estonia and elsewhere in Europe are free.
  • Earn on your account balance. The balance in your account can earn you up to 1% per year.
  • Free cash withdrawals. You can withdraw up to 1000 Euro per month with no commission fee at ATMs worldwide.
  • Bank in your pocket. Monitor your finances on your mobile phone. Whenever necessary change your PIN or block and unblock the card in the mobile banking application.

Apply for card

X REWARDS - prizes and discount program

  • Collect points for each purchase online and in stores worldwide.
  • Exchange the points you collect for great prizes and gift cards.
  • Get discounts at merchant stores across Estonia, Latvia and Lithuania.

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I am your new mobile bank branch!

  • Secure login with Mobiil-ID.
  • Quick balance and convenient payments.
  • Manage how your cards are used.
  • Change your card PIN codes.
  • Turn on and off card security settings.
  • History of latest transactions.

Let’s get to know each other

Amazzzzzing... Pay with a bracelet, sticker or phone

Choose your contactless payment method.

  • Most stylish payment method in Estonia.
  • Like lightning - up to 25 Euro PIN-free with your bracelet or sticker. Pop into our branch to receive yours and start using.

Pay quickly

Home loan is the best solution for buying, renovating or building your own home!

  • Your new home is waiting for you now. We can support you with financing of up to 85% of the value of your home.
  • Suitable for various needs - from buying an apartment, house or summer cottage to building or renovating your dream house.
  • Consultation and a personal client manager.

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Moody's Investors Service upgrades Citadele Bank’s deposit rating from Ba2 to Ba1, with a positive outlook!

The main reason for upgrading Citadele Bank’s rating, according to Moody's, is the result of the progress made in implementing the Baltic focused growth strategy. The rating upgrade is also based on higher capitalization, increasing profitability, declining of problem loans and the strengthening of the bank’s governance.

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Do you want to buy a new car, a motorbike or a boat?

  • Quick and easy application.
  • Consultation and personal client manager.
  • We finance up to 90% of the value of the vehicle.

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More opportunities with consumer loan!

  • Up to 7 000 EUR to renovate or furnish your home, travelling or to fulfill your other dreams.
  • Interest rate from 9%.
  • No collateral required.

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Press releases

All press releases

  • • Citadele Bank (Estonia)

    Changes in the Schedule of fees and charges of AS Citadele banka effective as of 1 November 2019

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  • • Citadele Bank (Estonia)

    Citadele Bank: PIN Code Calculators Become Even More Secure

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  • • Citadele Bank

    Citadele remains focused on building its presence across the Baltic countries and offering excellent products and service

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  • • Citadele Bank (Latvia)

    AS “Citadele banka” continues to expand its core business segments and provide innovative banking solutions in 1st quarter 2019

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