https://www.citadele.ee/en/private/customer

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Become a customer without visiting a branch

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Scan QR-code to download the app
Download app
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Step 1

Download the Citadele app from App Store or Google Play

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Step 2

Fill in the customer registration application

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Step 3

Identify yourself with ID-card or passport


3% cashback for new customers

X card rewards you for purchases! Would you like to get 3% cashback?

  • Become a customer of Citadele between February 1 and March 31, 2023, to participate in the special offer.
  • Choose any X card and start shopping. Cashback will be calculated monthly over the next 6 months.
  • 3% cashback from purchases will be paid to customers who have made purchases for at least EUR 300 during the calendar month.
  • Maximum cashback amount – EUR 15 per month, total EUR 90 per special offer period.
Full terms and conditions Select card

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Become a client with a new X card!

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

  • Any of our X cards will bring value to your everyday life with free transfers within Europe and commission-free withdrawals from ATMs worldwide*
  • X smart with a low monthly fee for adults and zero monthly fee for children and young people aged between 7 and 21
  • X supreme with basic purchase and travel insurance, a lowest-price guarantee for purchases, and a credit limit of up to €5,000
  • X 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
  • X REWARDS discounts throughout the Baltics and X 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

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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 X card by post In your address.

  • Take a photo of yourself and your ID
  • Fill in an application and receive your new X card by post in your address
  • Activate it through the app
qr Scan QR-code to download the app
download Download app
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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 X 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
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Pay with the ring

Payment ring – cool and convenient payment tool available only to Citadele customers! With the ring, you'll be able to pay wherever contactless payments are accepted.

  • Become a customer of Citadele in mobile app and choose X supreme or X prime card to get a chance to receive your ring without application fee (standard: 1,500 X REWARDS points)
  • Amount of rings is limited – hurry up to get yours!
More about ring

To apply for the ring and receive it without X REWARDS points, register and log into your profile on xrewards.ee, choose your ring and use code RINGXPRIME. Monthly fee for the ring: EUR 3. Offer valid until 31.03.2023 (or as long as the rings are available).

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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Free transfers within Europe

With X smart, X supreme, X prime and X 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.

How do I order an X card?

If you want to become a Citadele client and receive an X card, you can do it via the mobile app or at one of the bank’s branch. When you become a client via the Citadele mobile app, we will send you your card by mail in five business days.

If you are a client of the bank and you want to replace your existing card, write a free-form order to the bank via the online bank. To receive an X card with a new account, you can order a new card in the online bank under Accounts and Cards. Please ensure that your delivery address is correct. You will receive your card by mail in five business days.

X 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 X REWARDS points when shopping?

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

X 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.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro  from your X smart, X supreme, X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency than my X card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart, X supreme, X prime account to any bank which supports instant payments. The money is transferred within seconds.

More questions
Free transfers within Europe

With X smart, X supreme, X prime and X 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.

How do I order an X card?

If you want to become a Citadele client and receive an X card, you can do it via the mobile app or at one of the bank’s branch. When you become a client via the Citadele mobile app, we will send you your card by mail in five business days.

If you are a client of the bank and you want to replace your existing card, write a free-form order to the bank via the online bank. To receive an X card with a new account, you can order a new card in the online bank under Accounts and Cards. Please ensure that your delivery address is correct. You will receive your card by mail in five business days.

X 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 X REWARDS points when shopping?

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

X 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.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro  from your X smart, X supreme, X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency than my X card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart, X supreme, X prime account to any bank which supports instant payments. The money is transferred within seconds.