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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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When you’re planning on buying a new home, we offer a choice of loans to best suit your needs: a home loan to purchase, build or renovate your chosen home, or a Green home loan for the purchase of a home which complies with the highest energy-efficiency standards.

  • When you apply for a Green home loan, pay 0 EUR processing fee. Offer applies 01.04-30.06.2024.*
  • Fill in an application online, receive an offer within one business day, submit your documents and sign an agreement online.
Apply for a loan
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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.
I want free prizes
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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.


Apply Find out more

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.
qr Scan QR-code to download the app
download Download app
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* The initial annual percentage rate is 5.70% on the following sample: loan amount 120 000 EUR, floating interest rate 5.462% per year (margin 1.55% + six-month Euribor 3.912% on 05.01.2024), contract fee 1200 EUR, period 360 months, number of repayments 360, monthly payments 678.49 EUR, amount of repayments 244 254.98 EUR, total amount 245 454.98 EUR, repayment in monthly annuity payments. The loan is to be secured by mortgage and the collateral is to be insured. The insurance premium depends on the size of the housing and the insurer. The mortgage and insurance costs have not been taken into account in this annual percentage rate calculation.