X SMART

From ordinary card to X Smart!

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  • X Smart
  • Citadele Maestro
  • Pension card Maestro

X Smart

  • Earn points for every purchase (2 euros = 1 point) and exchange them for valuable prizes, and request discounts from our partners in Estonia, Latvia and Lithuania.
  • Withdraw up to 1,000 euros per month free of charge – five times anywhere in the world or as many times as you want from Citadele’s ATMs in Estonia.
  • Have your salary transferred to Citadele Bank and the money in your account will earn 1% interest per year.
  • Make unlimited electronic euro payments in Estonia and elsewhere in Europe free of charge.

Apply for a card

Citadele Maestro

  • Purchase of goods and services in Estonia and outside of Estonia
  • Online payments
  • 3 free withdrawal from other banks ATM-s per month
  • Internet and mobile bank
  • Quick account balance in mobile bank

Apply for a card

Pension card Maestro

  • Pay for goods and services without service charges
  • By joining the Citadele Pension Program, you will receive a Pension Card free of charge
  • Card payments in Estonia and abroad are free of charge
  • Check out the Citadele pension program

Important to know

  • Citadele Bank has joined the 3D Secure system, which provides additional free protection for online shoppers. Learn more here
  • If you lose your card or it has been stolen, please inform the customer service of Citadele Bank immediately by phone (77 00 000) or close the card via Citadele’s Internet bank
  • When paying or withdrawing cash in a foreign currency the conversion is performed in accordance with the current Maestro currency exchange rates. The currency surcharge is indicated in the price list
  • If you wish to dispute a card transaction, please fill in the corresponding application form and e-mail it to info@citadele.ee. Learn more here

Wish to know more?

Visit our branch at Narva mnt 63/1, Tallinn.

Call 77 00 000 or send a letter to