Become a customer

Open an account, receive your X smart card and enjoy the benefits


  • Free transfersthroughout Europe
  • InnovativeX smart bank card
  • Easy to usemobile bank

X smart – more than a debit card

  • Withdraw up to 1000 Euro from ATMs worldwide free of charge
  • Make unlimited free electronic payments in Euro in Estonia and throughout Europe
  • Earn interest on your account balance
  • Pay with your X smart card and receive a wide range of discounts throughout the Baltics
  • Earn X rewards points and exchange them for valuable gifts

Why become a Citadele client?

  • Take advantage of the many X smart card privileges
  • Use our app to block and unblock cards and change your cards’ PIN codes—even if you’ve forgotten the old ones
  • Make use of modern payment methods: pay with a wristband or sticker
  • Questions? Contact the bank’s employees by phone 24/7
  • Earn X REWARDS points for each purchase with an X card, exchange them for prizes and get discounts when shopping

You are welcome at our branch

Narva mnt. 63/1, Tallinn

+372 77 00 000