Payment ring

The most elegant payment tool.

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Super-fast payments

Beep and go!

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Secure payments

Confirm larger sums using your PIN code

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Nothing else needed

Leave your wallet and your phone at home

Ring for your freedom of payments

  • The payment ring is linked to your card account. Amounts of up to 50 EUR will not require a PIN code.
  • The ring is made of hard wearing ceramic material which protects it from scratches and water damage, meaning you can play sports, wash your hands and swim without worrying. Choose which one you like best: black, white or black&white.
  • Manage your ring easily using the Citadele mobile app: change its PIN code, keep up with expenditures, as well as block or unblock the ring if needed.
  • To apply for the ring, you must be an X card holder and a member of the X REWARDS program. Application and more information in X REWARDS program page xrewards.ee.
  • Fee for ring use: 3 EUR per month.
Order ring
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How to pay with a ring?

  • To pay, bring your hand, closed in a fist, near the payment terminal.
  • The payment ring works just the same as your payment card: with contactless functionality.
  • To confirm payments above 50 EUR, you will have to enter your ring’s PIN code.

  • Create a PIN code for your ring in the Citadele mobile app. You will need this to confirm payments over 50 EUR.
  • You can also use the app to change your PIN if you have forgotten your existing one.
  • Oversee your expenditures and payment history.
  • Manage your ring settings—block and unblock your ring.
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  • The payment ring is made of hard wearing ceramic material which protects it from scratches and damage.
  • The ring coating is waterproof: play sports, wash your hands and swim without worrying.
Order ring
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  • If you got the ring in a branch, it's already been activated and you don't have to do anything about it.
  • If you received the ring remotely, call us for ring activation +372 77 00 000. You'll need to authorize with a voice password.
hand holding coffee cup and has ring on finger

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