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

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  1. Private customers
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  3. X smart for young people

X smart for young people

Do you want to open an account for your child? You can do this without taking your child to a bank branch.

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Apply
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With no monthly fee

Young people aged between 7 and 21 do not have to pay a monthly card fee.

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X REWARDS programme

Discounts at our partner stores. Earn points on each purchase for exchange for valuable prizes.

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Modern payment methods

Payments for purchases with contactless card, bracelet, phone or Apple Pay.

Benefits of the X smart card

  • Push notifications on your phone for each purchase and incoming payment.
  • Cash withdrawals of up to 1000 Euro per month at any ATM for no commission fee.
  • Transfers within seconds an unlimited number of times for free. For those aged 17 (including), transfers are available with parental permission.
Apply
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X smart KIWIE

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X smart KIWIE is the latest addition among the X cards! Retaining all the benefits of the X smart card, it will not only serve as your new financial tool, but will also give you a chance to look into the digital world. Together with the artist Kiwie, we've prepared a series of surprises for X smart KIWIE users that will allow you to become a 21st century collector.


More about the card

Modern contactless payments

  • Payment wristband if you don’t want to take your card or wallet with you. It is waterproof and available in four colours: red, white, purple and black.
  • Apple Pay, if you are aged 13 or over. Pay with Apple Pay in stores and online without filling in registration forms or creating new accounts
  • No need to enter a PIN code for payments up to 50 EUR
  • The payment sticker for children and youth under 16 (including) is free of charge.
More on contactless payments
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X REWARDS prizes and discounts

  • Special offers and discounts with our partners in stores, cafes and entertainment.
  • Films at Forum Cinemas with a 15% discount.
  • After registering for the X REWARDS programme collect points towards your chosen prize from a wide range of shopping, culinary and leisure prize offers
  • Every 2 Euro spent by the card user gives them 1 X REWARDS point.
More about X REWARDS

Useful information for children and parents

  • For the parents of younger children: you can monitor your child’s spending in the mobile app and online bank, and be by their side as they learn to manage their money
  • Quickly and conveniently transfer money to your child’s account within seconds, even if your account is with another bank.
  • Both the young person and parent can block a lost or stolen card by calling 77 00 000.
  • Change the PIN code even if you don’t remember the old one in the app, if your settings allow.
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Ready to apply?

  • Aged between 7 and 17 (including): you can only apply for an X smart card with your parents at a Citadele branch. Parents can also apply for an X smart card if the child is not present
  • Aged between 18 and 21: apply with a selfie via the Citadele mobile app and receive your X smart card remotely
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How to apply?

Already 18?

Aged between 18 and 21: apply with a selfie via the Citadele mobile app and receive your X smart card remotely

  • Take a photo of yourself and your ID.
  • Fill in an application and receive your new X card by post in your address.
  • Activate it through the app.
qr Scan QR-code to download the app
download Download app
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For younger than 18

Citadele customers can open an account for their child in online bank. In other cases, we kindly ask you to come to the branch - find out what documents are required for account opening.

Online bank Branch

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
What if I have forgotten my card’s PIN code?

Up to 17 years (including). You can change your PIN code in the Citadele app. If you do not have access to the app, you must visit a branch with a parent or guardian to replace the card. A parent or guardian can also do this without the presence of the child by calling 77 00 000 or visiting a branch.

Young people over the age of 18. Conveniently change the PIN code at any time in the Citadele app.
 

What access rights do children, young people and parents have to the online bank?

Up to 17 years (including). The online bank usage regime is chosen by the parents. Options include a monitoring regime or a special regime allowing transfers from their account, payments, blocking or unblocking cards, and card replacement. A child’s parent or guardian can only monitor their child’s spending and view account balance and transactions in the monitoring regime.

Young people over the age of 18. All operations are available in the online bank: money transfers, blocking or unblocking cards, replacing cards, and applying for bank products.
 

How do I apply for an X smart card?

Up to 17 years (including). You can open an X smart card account with one of your parents or guardians at any bank branch.
Remember to bring: the parent or guardian’s passport or ID card, the child’s birth certificate or the child’s passport / ID card (from the age of 15). Guardians will also need to bring an Orphans’ and Custody Court confirmation of guardianship or a certificate of guardianship issued by the Orphans’ and Custody Court.

From 18 years. You can become a client and apply for an X smart card in the Citadele app or your nearest branch.

What if I lose my card?

Up to 17 years (including). You can block your card in the Citadele app or by calling 77 00 000. A parent or guardian can apply for a new card by calling 77 00 000.

Young people over the age of 18. You can block your card in the Citadele app or by calling 77 00 000, while you can apply for a replacement in the online bank or by calling 77 00 000. 
 

How do I apply for the X REWARDS prize and discount programme?

To receive X REWARDS discounts from our partners, you must notify the cashier before making the purchase that you will be paying with an X smart card. After registering at xrewards.ee, each purchase with an X smart card will earn X REWARDS points (2 Euro = 1 point ). The points you earn can be exchanged for various prizes. Discount locations and prizes can be viewed on the X REWARDS website.

More questions
What if I have forgotten my card’s PIN code?

Up to 17 years (including). You can change your PIN code in the Citadele app. If you do not have access to the app, you must visit a branch with a parent or guardian to replace the card. A parent or guardian can also do this without the presence of the child by calling 77 00 000 or visiting a branch.

Young people over the age of 18. Conveniently change the PIN code at any time in the Citadele app.
 

What access rights do children, young people and parents have to the online bank?

Up to 17 years (including). The online bank usage regime is chosen by the parents. Options include a monitoring regime or a special regime allowing transfers from their account, payments, blocking or unblocking cards, and card replacement. A child’s parent or guardian can only monitor their child’s spending and view account balance and transactions in the monitoring regime.

Young people over the age of 18. All operations are available in the online bank: money transfers, blocking or unblocking cards, replacing cards, and applying for bank products.
 

How do I apply for an X smart card?

Up to 17 years (including). You can open an X smart card account with one of your parents or guardians at any bank branch.
Remember to bring: the parent or guardian’s passport or ID card, the child’s birth certificate or the child’s passport / ID card (from the age of 15). Guardians will also need to bring an Orphans’ and Custody Court confirmation of guardianship or a certificate of guardianship issued by the Orphans’ and Custody Court.

From 18 years. You can become a client and apply for an X smart card in the Citadele app or your nearest branch.

What if I lose my card?

Up to 17 years (including). You can block your card in the Citadele app or by calling 77 00 000. A parent or guardian can apply for a new card by calling 77 00 000.

Young people over the age of 18. You can block your card in the Citadele app or by calling 77 00 000, while you can apply for a replacement in the online bank or by calling 77 00 000. 
 

How do I apply for the X REWARDS prize and discount programme?

To receive X REWARDS discounts from our partners, you must notify the cashier before making the purchase that you will be paying with an X smart card. After registering at xrewards.ee, each purchase with an X smart card will earn X REWARDS points (2 Euro = 1 point ). The points you earn can be exchanged for various prizes. Discount locations and prizes can be viewed on the X REWARDS website.