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.

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 If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).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.

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.

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.

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.