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.

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.

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 card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Interest rate and maximum credit limit amount depend on the X card you have chosen.

Compare X card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your X card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free - a period for which the interest on your used limit is not calculated. If you fully repay the used limit before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
Plan a repayment of your used limit in a way that is easiest for you:

• you can gradually repay your used credit limit by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
• if you plan on making repayments over a specific period of time, you can pay a set amount every month;
• if you repay your full balance before the 15th of the next month, interest will not be charged.

Apply for a credit limit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

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.

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.

Take a break from the hustle at the airport! The Priority Pass card, which you can get free of charge, will provide access to more than 1,300 VIP airport lounges, where you can relax, read the latest press and enjoy refreshments.

In the calendar year, the owner of the main X Infinite card has 5 free visits to VIP lounges with a Priority Pass card, which is linked to an X Infinite card account.

The cost of each visit to the VIP lounge is available in the price list.

We invite you to get acquainted with the current list of VIP lounges on the Priority Pass website.

Apply for Priority Pass card in internetbank or at Citadele branch, and receive the card free of charge.