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Become a customer without visiting a branch

Winner of the digital banking award at the Fintech Awards 2024.

A man in a red sweater holds a smartphone close to his face, displaying the Citadele mobile app screen.
Scan and download the app
Download app

Step 1

Download the Citadele app from App Store or Google Play.

Step 2

Fill in the customer registration application.

Step 3

Identify yourself with ID-card or passport.

C prime cards pile.
Special offer!

C prime card free for 6 months!

Become a Citadele customer and order C prime card between 01.08–30.09.2025 to use it FREE FOR 6 MONTHS!* You can become a customer in 7 minutes via the mobile app.
Enjoy the benefits of our best payment card!

  • Comprehensive travel insurance for the whole family and purchase insurance.
  • Free cash withdrawals worldwide and free euro payments.
  • C REWARDS program discounts and prizes.
Apply for C prime

* Offer does not apply to customers with a temporary residence permit, work visa, or overseas students, as well as those who have been a Citadele customer within the previous 6 months.

Citadele C smart NEON card with the word SMART and VISA logo on a vibrant background in pink, green, and blue tones.

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.

Three Citadele payment cards: C prime (gray with a rainbow shimmer), C supreme (gold), and C smart (silver), layered on top of each other.

Become a client with a new C card!

Select any of our new C cards and join the ranks of Citadele clients in just 7 minutes!

  • Any of our C cards will bring value to your everyday life with free transfers within Europe and commission-free withdrawals from ATMs worldwide.*
  • C smart or C smart KIWIE with a low monthly fee for adults and zero monthly fee for children and young people aged between 7 and 21.
  • C supreme with basic purchase and travel insurance, a lowest-price guarantee for purchases, and a credit limit of up to 5000 EUR.
  • C prime with extensive insurance for you and your family, some additional benefits for travel and shopping, and a credit limit of up to 15 000 EUR.
  • C REWARDS discounts throughout the Baltics and C REWARDS points to collect and exchange for amazing prizes.
Find out more

* Currently 10 000 euros is the maximum total amount of incoming payments per month that you can receive in your accounts in Citadele.
** All cards can also be used with no credit limit

How to become our client

In mobile app

If you are Estonian Citizen you can open account conveniently withouth coming to the branch and receive your new C card by post In your address.

  • 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

If you're not 18 yet, ask your parents to open an account for you in online bank (if they're Citadele customers) or come to any of our branches with one parent.

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

In branch

You can also become a client at by visiting our
branch. The service is based on a reservation,
book an appointment by calling 77 00 000.

Find your closest branch

Why become a Citadele client?

  • Take advantage of the many C card privileges.
  • Use our app for managing your everyday banking. See your account balance, block and unblock cards, change your cards’ PIN codes.
  • Make use of modern payment methods: pay with a wristband, sticker or mobile phone with NFC technology.
  • If you have any questions, please contact our customer support at 770 0000 or send an email to info@citadele.ee.

Need help?

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

Credit limit

C card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Interest rate and maximum credit limit amount depend on the C card you have chosen.

Compare C card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your C card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free - a period for which the interest on your used limit is not calculated. If you fully repay the used limit before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
Plan a repayment of your used limit in a way that is easiest for you:

  • you can gradually repay your used credit limit by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
  • if you plan on making repayments over a specific period of time, you can pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, interest will not be charged.

Apply for a credit limit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

How do I order a new C card?

If you want to become a Citadele client and receive C card, you can do it via the mobile app or at the bank’s branch (the service is based on a reservation, book an appointment by calling +372 77 00 000). When you become a client via the Citadele mobile app, we will send you your card by mail within 5 business days.

If you are a client of the bank and you want to replace your existing card for  a new C card or order a new C card with a new account, it is convenient to do this in the mobile app or in the Online bank under Accounts and Cards:  

  • to change your existing card: Accounts and Cards → Upgrade the existing payment card

  • to order a new C card with a new account: Accounts and Cards → Apply for new card 

Please ensure that your card delivery address is correct. You will receive your card by mail within 5 business days.

C prime ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 2000 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of -1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 2000 Euro per month from an ATM?

At ATMs worldwide, the fee is 1% olf the withdrawal sum. Minimum commission - 1,00 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

C supreme ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee is 1.0% of the withdrawal sum. Minimum commission - 1 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

How to start to collect C REWARDS points when shopping?

Register for the C REWARDS programme and receive C REWARDS points on all purchases online and in stores worldwide (with C smart 2 EUR=1 point, C supreme, C prime 1 EUR = 1 point). Register through xrewards.ee, the Citadele app or online bank.

Free transfers within Europe

With C smart, C supreme, C prime and C Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • recipient IBAN number,
  • commission type: SHA (shared),
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Priority Pass 

For C prime, C Infinite
The Priority Pass Lounge is a great place to relax or work while enjoying free appetisers and refreshing drinks before your flight. Regardless of whether you are travelling for work or pleasure, you can recover from the bustle of the airport and revive your energy. 
With Priority Pass, you can visit more than 1,700 VIP lounges in more than 500 cities across 145 countries. 
  
C Infinite 
Starting from 1.02.2025, C Infinite cardholder needs to download the Priority Pass app to their smartphone and create a Priority Pass account using their C Infinite card data. 
You can also add the created digital Priority Pass card to your wallet. 
C Infinite cardholders, including supplementary card holders, have access to free VIP Lounge visits – 15 times per calendar year. 
If you cannot download Priority Pass app, you can access the VIP Lounges by showing your physical C Infinite card. 
 
C prime
You can receive a free Priority Pass card. Apply for Priority Pass card in Citadele Online bank (Online bank > Correspondence with Bank > Create New > Free form Order to the bank) or in any Citadele branch. 
Price per lounge visit can be viewed in the price list, for C prime and C Infinite.

More questions
Credit limit

C card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Interest rate and maximum credit limit amount depend on the C card you have chosen.

Compare C card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your C card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free - a period for which the interest on your used limit is not calculated. If you fully repay the used limit before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
Plan a repayment of your used limit in a way that is easiest for you:

  • you can gradually repay your used credit limit by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
  • if you plan on making repayments over a specific period of time, you can pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, interest will not be charged.

Apply for a credit limit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

How do I order a new C card?

If you want to become a Citadele client and receive C card, you can do it via the mobile app or at the bank’s branch (the service is based on a reservation, book an appointment by calling +372 77 00 000). When you become a client via the Citadele mobile app, we will send you your card by mail within 5 business days.

If you are a client of the bank and you want to replace your existing card for  a new C card or order a new C card with a new account, it is convenient to do this in the mobile app or in the Online bank under Accounts and Cards:  

  • to change your existing card: Accounts and Cards → Upgrade the existing payment card

  • to order a new C card with a new account: Accounts and Cards → Apply for new card 

Please ensure that your card delivery address is correct. You will receive your card by mail within 5 business days.

C prime ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 2000 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of -1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 2000 Euro per month from an ATM?

At ATMs worldwide, the fee is 1% olf the withdrawal sum. Minimum commission - 1,00 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

C supreme ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee is 1.0% of the withdrawal sum. Minimum commission - 1 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

How to start to collect C REWARDS points when shopping?

Register for the C REWARDS programme and receive C REWARDS points on all purchases online and in stores worldwide (with C smart 2 EUR=1 point, C supreme, C prime 1 EUR = 1 point). Register through xrewards.ee, the Citadele app or online bank.

Free transfers within Europe

With C smart, C supreme, C prime and C Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • recipient IBAN number,
  • commission type: SHA (shared),
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Priority Pass 

For C prime, C Infinite
The Priority Pass Lounge is a great place to relax or work while enjoying free appetisers and refreshing drinks before your flight. Regardless of whether you are travelling for work or pleasure, you can recover from the bustle of the airport and revive your energy. 
With Priority Pass, you can visit more than 1,700 VIP lounges in more than 500 cities across 145 countries. 
  
C Infinite 
Starting from 1.02.2025, C Infinite cardholder needs to download the Priority Pass app to their smartphone and create a Priority Pass account using their C Infinite card data. 
You can also add the created digital Priority Pass card to your wallet. 
C Infinite cardholders, including supplementary card holders, have access to free VIP Lounge visits – 15 times per calendar year. 
If you cannot download Priority Pass app, you can access the VIP Lounges by showing your physical C Infinite card. 
 
C prime
You can receive a free Priority Pass card. Apply for Priority Pass card in Citadele Online bank (Online bank > Correspondence with Bank > Create New > Free form Order to the bank) or in any Citadele branch. 
Price per lounge visit can be viewed in the price list, for C prime and C Infinite.

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