X smart

A card for everyday convenience and the benefit of receiving more

Apply now
x smart

X smart

A card for everyday convenience and the benefit of receiving more

x smart
Apply now

Cash anywhere in the world

Free payments

Free for children and young people

Withdraw money from ATMs worldwide with no commission fee

Make payments throughout Europe with no commission fee

Apply for a free card if you are aged
between 7 and 21

Cash anywhere in the world

Withdraw money from ATMs worldwide with no commission fee

Free Payments

Make payments throughout Europe with no commission fee

Free for children and young people

Apply for a free card if you are aged between 7 and 21

porzingis with balls

EVERYDAY NEEDS WITH ONE MONTHLY FEE

Enjoy the benefits of your X smart card for just €1.49 per month

  • Use your card with no monthly fee if you are aged between 7 and 21
  • Withdraw up to €1,000 in cash per month with no commission fee worldwide
  • Make an unlimited number of euro payments in Estonia and throughout Europe with no commission fee
  • Receive X REWARDS discounts of up to 20% with our business partners, collect points when shopping (€2=1 point), and choose a prize from just 1300 points
  • Earn 0.2% per year on your account balance up to €10,000

RECEIVE YOUR X SMART CARD WITHOUT VISITING A BRANCH

IF YOU WANT TO BECOME A CITADELE CLIENT

1
Download the Citadele app
2
Take a selfie and a picture of your ID, fill in an application
3
Select your new X smart card in the app
4
Receive your card by mail in 5 working days

If you are under 18 but older than 7, come to a branch with one of your parents instead of taking a selfie.

IF YOU ARE OUR CLIENT AND YOU WANT A NEW X CARD

smart phone image

Why to choose X smart?

Free transfers

  • A card you can use to make transfers within Estonia and Europe with no commission fee
  • Free instant payments - send money in a few seconds
  • Payments to phone numbers using the Citadele app

Free cash withdrawals

  • You can use your X smart to withdraw cash from ATMs without commission
  • Up to €1,000 per month from ATMs anywhere in the world
  • Withdraw up to this amount an unlimited number of times from Citadele and other bank ATMs

Great value for children and young people

  • Card with no monthly fee for children and young people aged from 7 to 21
  • Parents of younger children can monitor their children's expenses in the mobile app and be alongside them as they learn to handle money
  • Wristband or sticker payments for when you want to leave your wallet at home

REWARD YOURSELF WITH X REWARDS

When you shop using your X smart card, you can receive discounts of up to 20% throughout the Baltics! Collect points and exchange them for amazing prizes: restaurant visits, store gift cards and more. Registration for the programme is free.

  • Collect points when shopping: €2=1 point
  • Prizes starting from 1300 X REWARDS points
More about the X REWARDS programme
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CHOSEN YOUR CARD?

Download the Citadele app now and receive your card by mail in just 5 working days!

phone app

OTHER OPTIONS

X prime

Enjoy all our everyday benefits, plus extensive insurance for you and your family

See X prime

X supreme

Receive everyday benefits, as well as insurance for your purchases and travels

See X supreme

Compare cards

FREQUENTLY ASKED QUESTIONS

Find answers to the top questions here

HOW DO I ORDER AN X SMART CARD?

If you want to become a Citadele client and receive an X smart card, you can do it via the mobile app or at one of the bank’s branches (by appointment only, please call 67010000). 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 smart 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.

DISCOUNT ON A MONTHLY CARD FEE

How do I receive a discount on my monthly card fee?

If you already have an X smart card - bring a friend! Tell them about benefits on the X smart debit card and give him a promo code which can be obtained by contacting our support team through chat in the mobile app, in the branch or by calling 770 0000. After your friend receives their new card, you both will enjoy the benefits of the X smart card free of charge for 6 months. This promo code can be used multiple times. The maximum discount period you can receive when bringing friends is 24 months.

ATM

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1000 Euro in cash per month from any ATM, even abroad, with no commission fee. Exceeding this amount, a commission fee will be applied - 1% of the withdrawn sum (minimum 1.00 euros).

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 1000 Euro per month from an ATM?

The commission fee at ATMs worldwide is 1% olf 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.

PAYMENTS

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 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 smart 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 smart bank account?

Yes, as Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart account to any bank which supports instant payments. The money is transferred within seconds.

PROFIT 0.2% PER YEAR ON YOUR ACCOUNT BALANCE

How can I receive interest on my account balance?

Your monthly wages must be paid into a Citadele account. On the last day of each month, your interest will be calculated on your average account balance. The maximum amount for which we calculate interest is 10,000 Euro, with a rate of 0.2% per year.

When will I receive the interest on my account balance?

Interest is calculated on the last day of the month and paid on the first day of the next month. A capital income tax payment is deducted from this. Your X smart account statement will show both transactions together. Your X smart account statement will show both transactions together.

X REWARDS programme

How to start to collect X REWARDS points when shopping?

Register for the X REWARDS programme and receive X REWARDS points on all purchases online and in stores worldwide (€2 = 1 point). Register through xrewards.ee, the Citadele app or online bank.

BANK CARD FOR KIDS AND YOUTH

How do I apply for an X smart card for young people?

Up to 18 years. You can open an X smart card account with one of your parents or guardians at any bank branch. Parents or guardians can also apply for a card for their child if the child is not present. Remember to bring: the parent or guardian’s passport or ID card, the child’s birth certificate or the child’s passport / ID card. Young people from the age of 15 must have a passport or ID card, as well as birth certificate, if there is no entered child’s information in the parents’ passport.

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

The bank's branches serve customers only by prior appointment, calling 770 0000.

IF YOU NEED ANY SUPPORT

Call our helpline for the fastest response - We offer the best service and will answer any question whether general or specific.

Send us a message on Whatsapp - Add 2866 0011 to your contacts and send us a text message.

Chat with us in our mobile app - For existing customers only. You will find a chat button in top left corner after logging in to your account.

Send us a question in online bank - For existing customers only. You will find a "Correspondence with bank" button in the top menu after logging in to your account.

Email us - Send us an email to info@citadele.ee — we will take a look and answer within one working day.

Come to your nearest branch - Note that bank's branches serve customers only by prior appointment, calling 770 0000.

Use an online contact form - Drop us your question, feedback or complain by filling in an online form.

Find more options and information - Visit our "Contacts" page to find more potential options to contact us, or more useful information, like our working hours.

Ready to apply?

Download the Citadele app now and receive your card by mail in just 5 working days!

Card Group

OTHER METHODS OF APPLYING

Citadele app

Online bank

If you are our client, apply for your new X card here and receive in 5 business days

Apply online
Citadele filiale

Branch

Apply for a branch visit by calling 770 0000

Find your nearest branch
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Client support

Write or call us - we will answer both personal and general questions

Contact options