C smart for young people

Q: How do I apply for an C smart card, what documents are required?

Account opening remotely Citadele customers can open an account for their children remotely in Mobile app or online bank. In the mobile app, the application to open a child’s account can be found under the Cards or All accounts section, by tapping the “+” icon in the top corner. In the internet bank, the application is located under Accounts and Cards → Order a card for a child. If you are 18 or above - apply remotely with a selfie in the Citadele mobile app and receive your C smart card without vising a branch. Account opening in Bank’s branch If the parent or legal guardian is not Citadele client – account opening for children is possible at any Citadele branch. If you're a parent looking to open an account for your child, there's no need to bring the child with you to the Bank’s branch. Documents required for bank account opening Remember to bring: the parent´s or guardian’s passport / ID card, the child’s birth certificate or the child’s passport / ID card (mandatory from the age of 15). Guardian also has to bring the decision of the Orphan's Court granting custody or guardianship certificate issued by the Orphan's Court.

Q: What if I have forgotten my card’s PIN code?

Up to 18 years. You can change your PIN code in the Citadele app. If you do not have access to the app, you need to replace the card. A parent or guardian can do this without the presence of the child visiting a branch or by calling +372 77 00 000. Young people over the age of 18. Conveniently change the PIN code at any time in the Citadele app.

Q: Can sending and receiving payments to a phone number be activated on a youth C smart card?

Up to 18 years. Payments can be made to a phone number if the C smart card user has the special regime activated in online banking. However, the young person will not be able to receive money to their phone number, as phone numbers can only be registered from the age of 18. From 18 young people can make payments to phone numbers, as well as receive payments to their phone number after registering it in the Citadele app.

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A girl and a guy wearing sunglasses in a brightly colored background, GOOD VIBE text on the left, C Smart Visa card with a vibrant design on the right.

With no monthly fee.

Young people aged between 7 and 21 do not have to pay a monthly card fee.

C REWARDS programme

Discounts at our partner stores. Earn points on each purchase for exchange for valuable prizes.

Open the account remotely

Open an account and a card for a child in the mobile app or online bank.

Bonuses for young people!

A free payment card for those aged 7–21, and that’s not all! Special offer for young people in August and September!*

When you become a Citadele customer before 30.09.2025., you can receive 3000 C REWARDS points, which you can exchange for your choice of gift from our catalogue: cinema tickets, two Hooligan bubble teas and other great things! To receive 3000 points, register for the C REWARDS loyalty programme here (it’s free)!
Until 30.09.2025., receive 4x more C REWARDS points for every euro spent on your C smart NEON card. Offer applies to new and existing customers.
Smart Piggybank in the app! When you open a Smart Piggybank and set up rounding, you can earn 3% per year on your savings! Piggybank available from age 7. Find out more about the Piggybank here.**
Our most stylish payment tool: a payment ring with no processing fee! Available for 0 C REWARDS points using the code CITADELERING! (usually: 1500 C REWARDS points).***

* Offer does not apply to customers with temporary residence permits and work visas, students from overseas, or customers who have been a Citadele client within the past 6 months.
** Rates apply from 14.05.2025. Annual percentage rate may vary. Interest calculated on average monthly balance, assuming that the year has 360 days and a month has 30 days, and interest is paid at the end of the month. Private individuals can only open one Piggybank account. The maximum amount on which interest is calculated is 10 000 EUR. Deposits up to 100 000 EUR are protected under the Deposit Guarantee Law of the Republic of Latvia. View the Terms and Conditions at citadele.ee.
*** Offer valid for customers aged 18 and over.

Benefits of the C smart card

Cash withdrawals of up to 1000 EUR per month at any ATM for no commission fee. For minors special security limits are set.
Transfers and instant payments unlimited number of times for free. For those aged under 18 transfers up to 500 EUR per month are available with parental permission. Instant payments are available to/from banks that have joined the instant payments system.
Push notifications on your phone for each purchase and incoming payment.

Apply

Useful information for children and parents

Special security limits for minors:
— daily limit for cash withdrawal 200 EUR and up to 500 EUR per month;
— transfers up to 500 EUR, if the child is under 18. In this case child will be granted certain rights in the online bank with the permission of the parents.
For the parents of younger children: you can monitor your child’s spending in the mobile app and online bank, and be by their side as they learn to manage their money.
Quickly and conveniently transfer money to your child’s account within seconds, even if your account is with another bank.
Both the young person and parent can block a lost or stolen card by calling 77 00 000.
Change the PIN code even if you don’t remember the old one in the app, if your settings allow.

C REWARDS prizes and discounts

Special offers and discounts with our partners in stores, cafes and entertainment.
Films at Forum Cinemas with a 15% discount.
After registering for the C REWARDS programme collect points towards your chosen prize from a wide range of shopping, culinary and leisure prize offers
Every 2 Euro spent by the card user gives them 1 C REWARDS point.

More about C REWARDS

How to apply?

Already 18?

Aged between 18 and 21: apply with a selfie via the Citadele mobile app and receive your X smart card remotely

Take a photo of yourself and your ID.
Fill in an application and receive your new C card by post in your address.
Activate it through the app.

Scan and download the app

Download app

Smartphone screen with the Citadele mobile app open, displaying the Cards section with the visual of the C smart card and available card management functions.

For younger than 18

Citadele customers can open an account for their child in the mobile app or online bank. In other cases, we kindly ask you to come to the branch - find out what documents are required for account opening.

Online bank Mobile app Branch

Task tool

Task Tool is an addition to Citadele app, empowering customers to create tasks for their family and friends. Moreover, it helps parents discuss finances with kids and lets kids try earning their first pay.

To use Task Tool, both the task sender and task recipient must be Citadele clients, have Citadele app installed, and have activated an option to pay to the mobile phone number. The sender must be at least 18 years old.
In the app go to More > Tasks and create your first task. Choose a task from the category list or create your own. Set a description, select a due date and amount of a reward. Ready? Press Send!
Once the task is completed, the recipient marks it as done and the sender can approve it and pay the reward.
Don’t want to do the task? You can also decline it.

More information

A smartphone above a contactless payment terminal, paying with a C smart card.

Modern contactless payments

Payment bracelet if you don’t want to take your card or wallet with you. It is waterproof and available in four colours: red, white, purple and black.
Apple Pay if you are aged 13 or over, or Google Pay and Garmin Pay, if you are aged 16 or over.
No need to enter a PIN code for payments up to 50 EUR.
The payment sticker for children and youth under 16 (including) is free of charge.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

How do I apply for an C smart card, what documents are required?

Account opening remotely

Citadele customers can open an account for their children remotely in Mobile app or online bank.

In the mobile app, the application to open a child’s account can be found under the Cards or All accounts section, by tapping the “+” icon in the top corner.

In the internet bank, the application is located under Accounts and Cards → Order a card for a child.

If you are 18 or above - apply remotely with a selfie in the Citadele mobile app and receive your C smart card without vising a branch.

Account opening in Bank’s branch

If the parent or legal guardian is not Citadele client – account opening for children is possible at any Citadele branch. If you're a parent looking to open an account for your child, there's no need to bring the child with you to the Bank’s branch.

Documents required for bank account opening
Remember to bring: the parent´s or guardian’s passport / ID card, the child’s birth certificate or the child’s passport / ID card (mandatory from the age of 15). Guardian also has to bring the decision of the Orphan's Court granting custody or guardianship certificate issued by the Orphan's Court.

How do I apply for the C REWARDS prize and discount programme?

To receive C REWARDS discounts from our partners, you must notify the cashier before making the purchase that you will be paying with an C smart card. After registering at xrewards.ee, each purchase with an C smart card will earn C REWARDS points (2 Euro = 1 point ). The points you earn can be exchanged for various prizes. Discount locations and prizes can be viewed on the C REWARDS website.

What if I have forgotten my card’s PIN code?

Up to 18 years. You can change your PIN code in the Citadele app. If you do not have access to the app, you need to replace the card. A parent or guardian can do this without the presence of the child visiting a branch or by calling +372 77 00 000.

Young people over the age of 18. Conveniently change the PIN code at any time in the Citadele app.

Can sending and receiving payments to a phone number be activated on a youth C smart card?

Up to 18 years. Payments can be made to a phone number if the C smart card user has the special regime activated in online banking. However, the young person will not be able to receive money to their phone number, as phone numbers can only be registered from the age of 18.

From 18 young people can make payments to phone numbers, as well as receive payments to their phone number after registering it in the Citadele app.

Can I select an additional payment tool for my C smart card?

You can apply for a contactless sticker or wristband for a monthly fee of 50 cents. In addition, you can use Apple Pay (from 13 years age), Google Pay and Garmin Pay (from 16 years age).

The payment sticker for children and youth under 16 (including) is free of charge.