ONE CARD FOR ALL YOUR EVERYDAY NEEDS

  • x smart

    X smart

    Transfer and withdraw money from any ATM worldwide for free
    See X smart
  • x supreme

    X supreme

    Receive everyday benefits
    as well as insurance for your purchases and travels
    See X supreme
  • x prime

    X prime

    Enjoy all everyday benefits, extensive insurance for you and your family, plus double X REWARDS points*
    See X prime
x smart
x supreme
x prime

X smart

X supreme

X prime

Transfer and withdraw money from any ATM worldwide for free Receive everyday benefits
as well as insurance for your purchases and travels
Enjoy all everyday benefits, extensive insurance for you and your family, plus double X REWARDS points* See X smart See X supreme See X prime
*2 times more X REWRADS points than X supreme and 4 times more than X smart card.

RECEIVE YOUR X CARD WITHOUT VISITING A BRANCH

IF YOU WISH TO BECOME A CITADELE CLIENT

1
Download the Citadele app
2
Take a selfie and a picture of your ID, fill in an application
3
Select your new X card in the app
4
Receive your card by mail 5 days later

* If you are under 18 but over 7, come and apply in person with a parent at our branch, instead of taking a selfie.

If you are our client and want a new X card

smart phone image

CHOOSE THE BEST X PAYMENT CARD FOR YOU

X smart

X supreme

X prime

xsmart

1.49 / mon.


Active user discount
Users aged 7 to 21: no card fee
Euro transfers within Estonia and Europe
Free
Free cash withdrawals from ATMs
Up to €1,000 per month worldwide
X REWARDS discounts
Throughout the Baltics
X REWARDS points for purchases to spend on great prizes
€2 = 1 point
Interest on account balance up to €10,000
0.2% per year
Credit limit
Interest-free period
Travel insurance
VIP airport lounge access
Purchase protection
Home help package
Covid-19 risks insurance
xsupreme

Free

For the first 3 months Afterwards €2.99/mo.

Active user discount
Make purchases of €500 per month and use your card for free
Users aged 7 to 21: no card fee
Euro transfers within Estonia and Europe
Free
Free cash withdrawals from ATMs:
Up to €1,500 per month worldwide
X REWARDS discounts
Throughout the Baltics
X REWARDS points for purchases to spend on great prizes
€1 = 1 point
Interest on account balance up to €10,000
0.2% per year
Credit limit
Up to €3,000
Interest-free period
Up to 45 days
Travel insurance
Basic insurance for you
VIP airport lounge access
Purchase protection
Home help package
Covid-19 risks insurance
Medical expences
xprime

Free

For the first 6 months Afterwards €5.99/mo.

Active user discount
Make purchases of €1,000 per month and use your card for free
Users aged 7 to 21: no card fee
Euro transfers within Estonia and Europe
Free
Free cash withdrawals from ATMs
Up to €2,000 per month worldwide
X REWARDS discounts
Throughout the Baltics
X REWARDS points for purchases to spend on great prizes
€1 = 2 points until 31.10.2021.
Afterwards, €1 = 1 point
Interest on account balance up to €10,000
0.2% per year
Credit limit
Up to €7,000
Interest-free period
Up to 45 days
Travel insurance
Extensive coverage for you and your family
VIP airport lounge access
Purchase protection
Home help package
Covid-19 risks insurance
Trip cancellation and interruption expences, medical expences

X smart

xsmart

1.49 / mon.

X supreme

xsupreme

Free

For the first 3 months Afterwards €2.99/mo.

X prime

xprime

Free

For the first 6 months Afterwards €5.99/mo.

Active user discount
Make purchases of €500 per month and use your card for free
Make purchases of €1,000 per month and use your card for free
Users aged 7 to 21: no card fee
Euro transfers within Estonia and Europe
Free
Free
Free
Free cash withdrawals from ATMs
Up to €1,000 per month worldwide
Up to €1,500 per month worldwide
Up to €2,000 per month worldwide
X REWARDS discounts
Throughout the Baltics
Throughout the Baltics
Throughout the Baltics
X REWARDS points for purchases to spend on great prizes
€2 = 1 point
€1 = 1 point
€1 = 2 points
until 31.10.2021.
Afterwards, €1 = 1 point.
Interest on account balance up to €10,000
0.2% per year
0.2% per year
0.2% per year
Credit limit
Up to €3,000
Up to €7,000
Interest-free period
Up to 45 days
Up to 45 days
Travel insurance
Basic insurance for you
Extensive coverage for you and your family
VIP airport lounge access
With your Priority Pass card
Purchase protection
Home help package
Covid-19 risks insurance
Medical expences
Trip cancellation and interruption expences, medical expences

PICKED YOUR CARD?

Download the Citadele app right now and receive your card by mail in 5 days!

phone app

WHY CHOOSE AN X CARD?

The bank in your hands

  • Manage your finances conveniently in the mobile app
  • Change your card’s PIN code in just a few seconds
  • Block and unblock cards

Extensive payment options

  • Pay with your phone or Apple Pay
  • Make payment to phone numbers
  • Use a payment wristband and sticker

Client support

  • Write in the app chat
  • Call us 770 0000 for urgent issues

REWARD YOURSELF WITH X REWARDS

Register for the programme for free on xrewards.ee

When shopping with your X card, receive discounts of up to 20% throughout the Baltics! Collect points and exchange them for amazing prizes: restaurant visits, store gift cards, charity donations and others

  • 10% discount at Amijami sushi bar
  • 15% discount on Forum Cinema tickets
  • Prizes from 1500 X REWARDS points
More about the X REWARDS programme
porzingis popcorn
hero-and-platinum

IF YOU HAVE X HERO OR X PLATINUM CARD


The benefits of your existing X hero and X Platinum card are retained until the card expires. Continue to use it keeping your current card’s conditions of credit limit insurance, X REWARDS programme and active user discount. If you want to change your X credit card to a new X card now:

  • In the Online banking under Correspondence with bank write a Free form Order to the bank
  • Specify which card you want to replace with the new X card and inform about correspondence address to receive the card
  • You will receive the card by mail within 5 business days
View X hero and X Platinum

FREQUENTLY ASKED QUESTIONS

Find answers to the most popular questions here

HOW DO I ORDER 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 branch (by appointment only, please call 770 0000). 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.

BANK CARD FOR KIDS AND YOUTH

Which X card is most suitable for children and young people?

The X smart card is free for children and young people aged between 7 and 21 while still maintaining all its benefits.

Up to 18 years. You can open an X smart card account with one of your parents or guardians at any bank branch. Parents or guardians can also apply for a card for their child if the child is not present. Remember to bring: the parent or guardian’s passport or ID card, the child’s birth certificate or the child’s passport / ID card. Young people from the age of 15 must have a passport or ID card, as well as birth certificate, if there is no entered child’s information in the parents’ passport.

From 18 years. You can become a client and apply for an X smart card using the Citadele app or your nearest branch.

The bank's branches serve customers only by prior appointment, calling 770 0000.

IF YOU NEED ANY SUPPORT

Call our helpline for the fastest response - We offer the best service and will answer any question whether general or specific.

Send us a question in online bank - For existing customers only. You will find a "Correspondence with bank" button in the top menu after logging in to your account.

Chat with us in our mobile app - For existing customers only. You will find a chat button in top left corner after logging in to your account.

Email us - Send us an email to info@citadele.ee — we will take a look and answer within one working day.

Come to your nearest branch - Note that bank's branches serve customers only by prior appointment, calling 770 0000.

Use an online contact form - Drop us your question, feedback or complain by filling in an online form.

Find more options and information - Visit our "Contacts" page to find more potential options to contact us, or more useful information, like our working hours.

Want to apply?

Download the Citadele app and fill in an application remotely!

Card Group

OTHER METHODS OF APPLYING

Citadele app

Online bank

If you are our client, apply for your new X card here and receive it in 5 business days

Apply online
Citadele filiale

Branch

Apply for a branch visit by calling 770 0000

Find your nearest branch
Happy coffee man

Client support

Call or write us - we will answer both personal and general questions

Contact options