X smart

From ordinary debit card to X smart

Apply for a card

  • Free transfersthroughout Europe, ATM withdrawals worldwide
  • Earn intereston your account balance
  • X REWARDScollect points and exchange them for prizes

Manage your finances at no extra cost

  • Withdraw up to 1000 Euro from ATMs worldwide free of charge
  • Make unlimited free electronic payments in Euro in Estonia and throughout Europe

Even more advantages

  • Have your income paid into a Citadele account and earn 0.2% per year on your account balance up to 10,000 Euro. Find out more
  • Use contactless payments when you pay by card, Android phone. You can also use a contactless wristband or sticker
  • No monthly fee on X smart cards for young people aged between 7 and 21

X REWARDS prizes and discounts

  • Receive discounts throughout the Baltics. Special monthly offers on shopping, restaurants, leisure and cultural events
  • Receive X REWARDS points on every online and in-store purchase worldwide (2 Euro = 1 point)

Find out more



  • Take advantage of the many X smart card privileges
  • Make use of modern payment methods: pay with a wristband or sticker
  • Questions? Contact the bank’s employees by phone 24/7
  • Reward yourself with X REWARDS

You are welcome at our branch

Narva mnt. 63/1, Tallinn

+372 77 00 000