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X smart KIWIE

Ready to join Kiwieverse? X Smart KIWIE will be your first step.


Your invitation to Kiwieverse


While being your new financial tool, the X smart KIWIE card will also give you a chance to look into the digital world. Together with the artist Kiwie, we've prepared a series of surprises that will allow you to become a 21st century collector.

Your benefits with X smart KIWIE:

  • Card is free of commission for youngsters aged 7 to 21 (included).
  • Free transfers and instant payments to any bank, both in Estonia and across Europe.
  • Withdrawal of money free of charge from any ATM in Estonia and worldwide up to EUR 1000 per month.
  • X REWARDS special offers and the chance to collect points, which can be exchanged for cool prizes.
  • Convenient mobile app where you can remotely do all the daily banking and change PIN for your card.

Kiwie x Citadele

The digital world lives not only on your phone, but now on the physical card, too. When we were creating X smart KIWIE, we wanted it to be as digital as it could be, so we asked AI algorithm for a little help. It mixed up artist’s works with what it had learned about different keywords from Google and thus created a design you now see on the X smart KIWIE card. We can safely say that with this design approach we are the first in the Baltics and perhaps even one of the first ones in the world.


KIWIE is an anonymous Latvian artist whose Fat Monster became popular in the streets of Riga – but now it can be met in Bali, New York, Cyprus, Thailand, Vietnam, Spain, France, UK, Dubai, Kuwait, Montenegro and elsewhere in the world. Since 2021, the Fat Monster and Kiwie artworks also live in the metaverse, using the latest technologies to offer anyone a chance to become the owner of an artwork that sits on a wall on the other side of the world.


X REWARDS prizes and discounts

Want a free coffee, movie tickets or even free airline tickets for your dream travel? All of this is possible by registering in X REWARDS!

  • Register in for free.
  • Receive special offers and discounts with our partners in shops, cafes, and entertainment venues.
  • Collect points for every purchase you make with a card and exchange them for the prize of your choice.
More about X REWARDS

Ready to apply? Become a customer:

In mobile app

Join us from your sofa! We will deliver the card to you by post within Estonia.

  • Take a picture of yourself and your ID document.
  • Complete the application and receive your new X smart KIWIE card at the specified address.
  • Activate it on your mobile app.

If you're not 18 yet, ask your parents to open an account for you in online bank (if they're Citadele customers) or come to any of our branches with one parent.


At the branch

Come to branch, booking your meeting in advance.