A MINUTE IN THE BANK IS A MINUTE TOO MANY

Digital banking is simple, quick and convenient.

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Apply for a loan
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  • Apply for a mortgage loan for purchasing a home, building or renovating one.
  • Fill in the application online, receive an offer within one business day, submit your documents and sign the agreements online.
  • When you buy a home from a real estate developer, there is no loan agreement fee. Offer applies 01.10-31.12.2023.
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More convenient everyday with X cards - enjoy the benefits of the card!

  • Free transfers in EUR across Europe and cash withdrawals free of charge worldwide (within card’s limit).
  • Card without monthly fee - try X prime for 6 months and X supreme for 3 months for free.
  • Travel and shopping insurance - basic for X supreme card, while X prime card holders enjoy extensive insurance for purchases and travel for the entire family.
  • Apply for X card in mobile app at a convenient time and place for you.
View cards
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Get even more from your card - X card rewards you for shopping!

  • When you sign up for the X REWARDS program (it’s free), you collect points for each purchase to get the prize of your choice.
  • Exchange points for free coffee, cinema ticket or restaurant meal, Wolt vouchers or other prizes from our shopping, gourmet and leisure offering.
  • Receive monthly special offers and benefit from discounts with our partners in shops, cafes and entertainment venues.
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Savings account

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If all your money stays in your current account, saving is difficult, because your everyday spending knows no limits.
Choose Savings account with annual interest rate of 1,50% and build up your safety cushion.


Become a customer remotely

Become a customer through the Citadele mobile app wherever and whenever is convenient.

  • Takes just 7 minutes.
  • Receive your card by post in five business days.
  • You can use the bank’s digital services straight away.
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