Become a customer without visiting a branch

  • google play
  • app store
  • Step 1Download the Citadele app from App Store or Google Play
  • Step 2Fill in the customer registration application
  • Step 3Identify yourself with ID-card or passport

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 €3,000
  • X prime with extensive insurance for you and your family, some additional benefits for travel and shopping, and a credit limit of up to €7,000
  • X REWARDS discounts throughout the Baltics and X REWARDS points to collect and exchange for amazing prizes

Find out more

* All cards can also be used with no credit limit
During onboarding via app credit cards will be issued without limit. Limit has to be applied separately in online bank or here.

Become a Citadele client and receive X card remotely

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.

  • Fill in an application and receive your new X card by post in your address
  • Take a photo of yourself and your ID
  • Activate it through the app or online bank
  • If you wish to add Mobile ID or ID card as additional authorization device, please contact us. MobileSCAN is opened as the basic authorization device

Find out more about X cards

Outgoing payment limit per month – 15 000 EUR

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