X SMART MORE THAN A DEBIT CARD

Free transfers within Europe and cash withdrawals worldwide

Apply for a card

X smart

  • Earn 1% on your account balance
  • Free transfers within Europe
  • Free withdrawals from ATMs
  • Contactless card, phone, bracelet or sticker payment
  • Receive your card without visiting the bank

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X credit cards

  • Individually set credit interest rate from 9.9% per year
  • Up to 45 days interest free
  • Travel insurance and purchase protection
  • Open and use your credit card even without adding a credit limit
  • Contactless card, phone, bracelet or sticker payments 

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X REWARDS prizes and discounts

  • Get discounts throughout the Baltics. Monthly offers for shopping, restaurants, leisure and cultural events
  • Receive X REWARDS points for every online and in-store purchase worldwide
  • Exchange the points you collect for valuable prizes

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HOW DO I BECOME A CLIENT?

  • Mobile app

    Download our app and fill in an application. We will deliver your contract and X smart card by post within Estonia. For other cards, choose a different option.

    Find out more

  • Website

    Fill in a short application form and we will call you! When you select X smart, we will deliver your contract and card by post. You can pick up other cards at one of our branches.

    Apply

  • Branch

    We will wait for you at our branch!

    Find location