https://www.citadele.ee/en/private/x-cards

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X cards

Become a customer of Citadele with X card between between February 1 and March 31, 2023, to participate in Cashback offer.
Free cash deposits now at over 50 ATMs.

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3% cashback for new customers

X card rewards you for purchases! Would you like to get 3% cashback?

  • Become a customer of Citadele between February 1 and March 31, 2023, to participate in the special offer.
  • Choose any X card and start shopping. Cashback will be calculated monthly over the next 6 months.
  • 3% cashback from purchases will be paid to customers who have made purchases for at least EUR 300 during the calendar month.
  • Maximum cashback amount – EUR 15 per month, total EUR 90 per special offer period.

form-fill Privacy disclaimer

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Choose the best card for you

I'm doing sports during travels
I need insurance for my family

Credit limit needed:

Monthly cash withdrawals:

Average monthly card purchases:

X PRIME

xprime

FREE

for the first 6 months, afterwards 5,99 EUR / month

Apply for X prime

X SUPREME

xsupreme

FREE

for the first 3 months, afterwards 2,99 EUR / month

Apply for X supreme

X SMART

xsmart

1,99 EUR / month

 

Apply for X smart
Discount to monthly fee

Spend 6000 EUR within 6 months and use your card with discount

Spend 3000 EUR within 6 months and use your card with discount

Free for young people aged between 7 and 21
2000 EUR per month
1500 EUR per month
1000 EUR per month
Free online transfers and instant payments throughout Europe
from 700 EUR up to 15 000 EUR
from 500 EUR up to 5000 EUR
-
  • medical expenses, including in case of COVID-19
  • luggage insurance
  • travel cancellation
  • high-risk sports
  • accidents
  • cancellation, suspension of travel

Basic insurance for you

  • medical expenses, including in case of COVID-19
  • accidents
-
  • Insurance against damage and theft for 180 days from the moment of purchase
  • insurance for non-delivery of goods
  • extended warranty on electronics: +1 year
  • Insurance against damage and theft for 180 days from the moment of purchase
-
1 EUR = 1 point and with some partners 1 EUR = 5 points*
1 EUR = 1 point
2 EUR = 1 point
With Priority Pass card
-
-

X PRIME

xprime

FREE

for the first 6 months, afterwards 5,99 EUR / month

Apply for X prime

X SUPREME

xsupreme

FREE

for the first 3 months, afterwards 2,99 EUR / month

Apply for X supreme

X SMART

xsmart

1,99 EUR / month

 

Apply for X smart
xprime

X PRIME

FREE

xsupreme

X SUPREME

FREE

xsmart

X SMART

1,99 EUR / month

Free for the first 6 months

Spend 6000 EUR within 6 months and use your card with discount

2000 EUR per month
from 700 EUR up to 15 000 EUR

Extensive coverage for all the family

  • medical expenses, including in case of COVID-19
  • luggage insurance
  • travel cancellation
  • high-risk sports
  • accidents
  • cancellation, suspension of travel
  • Insurance against damage and theft for 180 days from the moment of purchase
  • insurance for non-delivery of goods
  • extended warranty on electronics: +1 year
1 EUR = 1 point and with some partners 1 EUR = 5 points*
With Priority Pass card
Free for the first 3 months

Spend 3000 EUR within 6 months and use your card with discount

1500 EUR per month

from 700 EUR up to 15 000 EUR

  • Basic insurance for you
  • medical expenses, including in case of COVID-19
  • accidents
  • Insurance against damage and theft for 180 days from the moment of purchase
1 EUR = 1 point
-
-
Free for young people aged between 7 and 21
1000 EUR per month
-
-
-
-
2 EUR = 1 point
-


* Wolt, RDE.EE, as well as digital entertainment providers - Go3, Spotify, Netflix, Disney etc. Offer valid until 31.03.2023 for the following MCC (Merchant Category Code) categories: 4899, 5815. To get X REWARDS points, payment must be made with an X prime card.

Expanded ATM network

Citadele joined the common ATM network among banks. Cash operations are now even more convenient.

  • Nearly 100 ATMs all over Estonia
  • Free cash deposits at over 50 ATMs all over Estonia
  • Free cash withdrawal all over the world according to the bankcard limit
  • Changing the PIN code of a bankcard
  • Viewing the account balance free of charge
  • See the expanded ATM network here
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Pay with the ring

Payment ring – cool and convenient payment tool available only to Citadele customers! With the ring, you'll be able to pay wherever contactless payments are accepted.

  • Become a customer of Citadele in mobile app and choose X supreme or X prime card to get a chance to receive your ring without application fee (standard: 1,500 X REWARDS points)
  • Amount of rings is limited – hurry up to get yours!

To apply for the ring and receive it without X REWARDS points, register and log into your profile on xrewards.ee, choose your ring and use code RINGXPRIME. Monthly fee for the ring: EUR 3. Offer valid until 31.03.2023 (or as long as the rings are available).

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X card insurance

Travel and purchase insurance for more exciting everyday life - all included in the monthly fee of the card! Find out what benefits you can get straight away.


Learn more

Active user discount

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Do you want to use the card more profitably? It's possible! Make everyday purchases actively with X prime and X supreme cards to receive a discount for the monthly fee of your main card.

Learn more

Apply for X card without visiting a branch

Apply remotely and become a Citadele customer today

You will be able to use the online bank and digital services immediately

You will receive your card by mail within 5 business days

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For customers

Order your new X card in Citadele mobile app
or online bank

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Apply for a credit limit

A credit imit will give you flexibility in planning your finances and a sense of security when making larger purchases or when faced with unplanned expenses.

  • Credit limit up to 15 000 EUR for X prime card and up to 5 000 EUR for X supreme
  • Interest rate per year for X prime - 16%, X supreme - 18%*
  • No fee for unused credit
  • Minimum credit repayment: just 5 % per month
  • Up to 45 days interest free
  • You can repay the credit you spend gradually, and pay at least 5 % of the amount spent by the 15th of every month. Interest will be calculated from the remaining balance
Receive offer

* The annual percentage rate of the private credit card is 27.11% per annum on the following example conditions: X Supreme credit card credit limit 1,000 EUR, interest rate 18% (fixed), monthly fee of the card 2.99 EUR, repayment sum of 1,136.04 EUR, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

X REWARDS

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Get more from life


Do you want free movie tickets or even free airline tickets for your dream vacation? If yes, then X REWARDS is a program for you!


I want free prizes

5x more X REWARDS points with X prime

Collect points 5x faster by paying with X prime card with:

  • Wolt
  • RDE.EE
  • Digital entertainment providers - Go3, Spotify, Netflix, Disney etc.

Offer valid until 31.03.2023 for the following MCC (Merchant Category Code) categories: 4899, 5815.

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Why choose an X card?


  • Change the PIN code for your payment card, wristband or ring even if you can't remember the old one
  • Make transfers and instant payments
  • Block and unblock cards, and order new ones
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  • Add your card and use Apple Pay, Google Pay, Fitbit Pay or Garmin Pay
  • Pay to a phone number
  • Use a payment wristband or ring
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  • Use the interactive assistant to find answers to most questions
  • Message us in the mobile app chat
  • Contact us via online banking notifications or by email: info@citadele.ee
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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Free transfers within Europe

With X smart, X supreme, X prime and X Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • recipient IBAN number,
  • commission type: SHA (shared),
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

How do I order an 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’s branch. 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.

X supreme ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee is 1.0% of the withdrawal sum. Minimum commission - 1 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

How to start to collect X REWARDS points when shopping?

Register for the X REWARDS programme and receive X REWARDS points on all purchases online and in stores worldwide (with X smart 2 EUR=1 point, X supreme, X prime 1 EUR = 1 point). Register through xrewards.ee, the Citadele app or online bank.

X prime ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 2000 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of -1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 2000 Euro per month from an ATM?

At ATMs worldwide, the fee is 1% olf the withdrawal sum. Minimum commission - 1,00 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro  from your X smart, X supreme, X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency than my X card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart, X supreme, X prime account to any bank which supports instant payments. The money is transferred within seconds.

More questions
Free transfers within Europe

With X smart, X supreme, X prime and X Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • recipient IBAN number,
  • commission type: SHA (shared),
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

How do I order an 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’s branch. 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.

X supreme ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee is 1.0% of the withdrawal sum. Minimum commission - 1 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

How to start to collect X REWARDS points when shopping?

Register for the X REWARDS programme and receive X REWARDS points on all purchases online and in stores worldwide (with X smart 2 EUR=1 point, X supreme, X prime 1 EUR = 1 point). Register through xrewards.ee, the Citadele app or online bank.

X prime ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 2000 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of -1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 2000 Euro per month from an ATM?

At ATMs worldwide, the fee is 1% olf the withdrawal sum. Minimum commission - 1,00 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro  from your X smart, X supreme, X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency than my X card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart, X supreme, X prime account to any bank which supports instant payments. The money is transferred within seconds.

Other application methods

online banking

Online bank

If you are our customer, apply for your new X card through the online bank and receive within 5 days

Apply
branch

Branch

Apply for a branch visit by calling 770 0000

Find your nearest branch
online banking

Online bank

If you are our customer, apply for your new X card through the online bank and receive within 5 days

Apply
branch

Branch

Apply for a branch visit by calling 770 0000

Find your nearest branch

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Up to 20 000 EUR to fulfill your dreams.
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We finance up to 95 % of your home’s value with KredEx guarantee.
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Leasing

Quick and easy application. Down payment starting from 10 %.
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Learn more

* The annual percentage rate of the private credit card is 27.11% per annum on the following example conditions: X Supreme credit card credit limit 1,000 EUR, interest rate 18% (fixed), monthly fee of the card 2.99 EUR, repayment sum of 1,136.04 EUR, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.