X supreme

Your card for a more exciting life and advantages on everyday convenience

Apply now

X supreme

Your card for a more exciting life and advantages on everyday convenience

Apply now

Commission-free financial management

You and your purchases are safe

Additional funds for your needs

Make transfers with no commission fee

Remain insured when travelling and shopping

Credit limit of up to €3,000

Commission-free financial management

Make transfers with no commission fee

You and your purchases are safe

Remain insured when travelling and shopping

Additional funds for your needs

Credit limit of up to €3,000

FREE FOR THE FIRST 3 MONTHS

  • Apply for an X supreme card now and get the first 3 months as a gift - use your card with no no commission fee*
  • Standard monthly fee €2.99
  • Be an active card user and make purchases totalling at least €500 per month for six months to continue using with no commission fee
Find out more

*100% card fee discount for first 3 months starting from 1st day of the month following the card issue date.

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EVERYDAY NEEDS WITH ONE MONTHLY FEE

Enjoy the benefits of the X supreme card for just €2.99 per month!

  • Make an unlimited number of electronic payments with no commission fee throughout Europe
  • Withdraw up to €1,500 per month in cash with no commission fee worldwide
  • Gain the benefits of travel insurance and purchase protection, including a lowest-price guarantee
  • Apply for a credit limit up to €3,000
  • Enjoy 45 days interest-free and pay no interest on your credit
  • Collect X REWARDS points to exchange for your choice of prize
  • Earn 0.2% per year on your account balance up to €10,000

RECEIVE YOUR X SUPREME 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 supreme 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.

YOU ARE OUR CLIENT AND WANT A NEW X SUPREME CARD

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Why to choose X supreme?

Additional funds for your needs

  • Credit limit of up to €3,000 with an interest-free period up to 45 days
  • Interest rate 18% per year
  • Card can also be used with no credit limit

Insurance for you and your purchases

  • Travel insurance in Estonia and abroad, including unexpected medical expenses
  • Special insurance against falling ill with COVID-19 on a trip
  • Purchase protection against theft or damage, including a lowest-price guarantee

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

  • Unlike credit cards, you can use your X supreme card to withdraw cash from ATMs without commission
  • Up to €1,500 per month from ATMs anywhere in the world

COLLECT X REWARDS POINTS QUICKLY AND EASILY!

When you shop using your X supreme 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, charity donations and more. Registration for the programme is free.

  • Collect points when shopping: €1=1 point
  • Prizes starting from 1300 X REWARDS points
More about the X REWARDS programme
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WANT TO EXCHANGE YOUR EXISTING CARD FOR X SUPREME CARD?

All X cards issued before 15.01.21 maintain their benefits until their expiry date. However, if you want to exchange it for a new X card, this can be done for free! You can also order a new X card and use it alongside your existing card.

READY TO APPLY?

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

phone app

OTHER OPTIONS

X smart

Enjoy free transfers and cash withdrawals from ATMs worldwide

See X smart

X prime

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

See X prime

Compare cards

FREQUENTLY ASKED QUESTIONS

Find answers to the top questions here

HOW DO I ORDER AN X SUPREME CARD?

If you want to become a Citadele client and receive an X 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 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?

Use your X supreme card for free by using it actively for purchases in stores and online. Receive a 100% discount on your monthly card fee if you spend a total of €3,000 in 6 months, or a 50% discount if you spend a total of €2,000.

ATM

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee.

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 1500 Euro per month from an ATM?

The commission fee is 1.0% of 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 supreme bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X supreme 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 supreme 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.

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 67010000.

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 and fill in an application in 7 minutes!

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 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