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Private Business Private banking About the bank C REWARDS
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  1. Private customers
  2. C cards
  3. C smart for young people
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With no monthly fee

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

C REWARDS programme

Earn C REWARDS points for each purchase and exchange them for prizes.

Open the account remotely

Open an account and a card for a child in the mobile app or online bank.

Special offer!

It’s good to be young!

A smart financial start for young people, and summer bonuses!* A free payment card between the ages of 7 and 21, and that’s not all!

  • Become a Citadele customer from 21st May to 25th June 2025 and receive 3000 C REWARDS points which can be exchanged for your choice of prize, like a cinema ticket, Hooligan bubble tea, a Virši burger or kebab, and other amazing things! To receive 3000 points, register in C REWARDS loyalty programme here (for free).
  • Our trendiest payment tool: a payment ring with no processing fee! Available for 0 C REWARDS points using the code CITADELERING! (usually 1500 C REWARDS points).**
  • Receive a 5 EUR Ride coupon for 0 C REWARDS points. The number of vouchers is limited.**
  • New in the app! Open a smart Piggybank, set up rounding, and earn 3% per year on your savings! Piggybank available from 7 years old. Find out more about the Piggybank here.***
  • Why not try out our Task tool, where you can submit various tasks to your children and family members and pay them for completion.

* Offer is not available to customers with temporary residence permits, work visas, to students from overseas, as well as to those who have been Citadele customers within the last 6 months.
** Only for young customers from the age of 18.
*** Rates valid from 14.05.2025. The annual interest rate may vary. Interest is calculated on monthly average balance assuming that there are 360 days in a year and 30 days in a month and paid out at the end of each month. Private customer can open only one Piggybank Account. The maximum amount from which interest is calculated is 10 000 EUR. Deposits up to 100 000 EUR are insured under the Deposit Guarantee Law of the Republic of Latvia. Review the terms and conditions at citadele.lv.

Benefits of the C smart card

  • Cash withdrawals of up to 750 Euro per month at any ATM for no commission fee. For minors special security limits are set.
  • Transfers and instant payments unlimited number of times for free. For those aged under 18 transfers up to 500 EUR per month are available with parental permission. Instant payments are available to/from banks that have joined the instant payments system.
  • Push notifications on your phone for each purchase and incoming payment.
Apply

Useful information for children and parents

  • Special security limits for minors:
    — daily limit for cash withdrawal 200 EUR and up to 500 EUR per month
    — transfers up to 500 EUR, if the child is under 18. In this case child will be granted certain rights in the online bank with the permission of the 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 6701 0000.
  • Change the PIN code even if you don’t remember the old one in the app, if your settings allow.
Apply for a card

C REWARDS prizes and discounts

  • Special offers and discounts with our partners in stores, cafes and entertainment.
  • After registering for the C 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 C REWARDS point.
More about C REWARDS

How to apply?

Already 18?

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

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

Citadele customers can open an account for their child in the mobile app or 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 Mobile app Branches
Task tool view on mobile

Task tool

Task Tool is an addition to Citadele app, empowering customers to create tasks for their family and friends. Moreover, it helps parents discuss finances with kids and lets kids try earning their first pay.

  • To use Task Tool, both the task sender and task recipient must be Citadele clients, have Citadele app installed, and have activated an option to pay to the mobile phone number. The sender must be at least 18 years old.
  • In the app go to More > Tasks and create your first task. Choose a task from the category list or create your own. Set a description, select a due date and amount of a reward. Ready? Press Send!
  • Once the task is completed, the recipient marks it as done and the sender can approve it and pay the reward.
  • Don’t want to do the task? You can also decline it.
More information

Modern contactless payments

  • Payment bracelet 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, or Google Pay and Garmin Pay, if you are aged 16 or over.
  • 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.

Gain peace of mind in one minute

You can’t insure yourself against grey hair, but when it comes to accidents, you can! Purchase accident insurance for children from the age of 3 through the Citadele app, and avoid unexpected expenses for accidents resulting in broken bones, injuries, permanent disability or death.

Find out more

Insurance services provided by AAS CBL Life.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

How do I apply for an C smart card, what documents are required?

Citadele customers can open an account for their children in online bank - Accounts and Cards → Order a card for a child.

Up to 18 years, if your parents are not Citadele clients - if you're a parent who wants to open an account for their child, there's no need to take the child with you!

If the child has reached the age of 15, remember to bring:
- the parent or guardian’s passport / ID card;
- the child’s passport / ID card. Birth certificate also must be presented, if there is no entered child’s information in the parents’ passport.

If the child has not reached the age of 15, remember to bring:
- the parent or guardian’s passport / ID card;
- birth certificate or child's passport / ID card. If there is no entered child’s information in the parents' passport, then a birth certificate must be submitted in addition to child's ID document.

From 16 years with a regular income: scholarship or work wages. You can apply for an C smart card without the presence of a parent or guardian at a branch.
Remember to bring: a passport or ID card and a work contract or statement from an educational institution confirming a scholarship.

Aged between 18 and 21 - apply with a selfie via the Citadele mobile app and receive your C smart card remotely.

Applying for your child or ward’s C smart set through the online bank

If you are Citadele customer with a valid citizen’s ID card or passport issued in Latvia, you can submit an application to open an account for your child remotely through the online bank.
We will review the application within 2 working days. C card and its PIN code will be sent by post to the address specified in the application within a week.
To open an account for a child or a ward, go to the Accounts and cards” section of the online bank and choose the order form “Order a card for a child.”

Bear in mind! With this application, your child (or ward) will become a customer of AS “Citadele Banka,” and will receive the following bank products:

  • C smart card linked to a current account.
  • Online bank access and a MobileSCAN authorisation tool.
  • The option to participate in our loyalty programme C REWARDS, accumulate points and receive prizes.

Other services cannot be included in this application process!
In the application form, you will receive information on the services your child or ward will receive once they become a customer.

In the application form, please provide accurate information about the child or ward – without it we will be unable to open account for the child. 
Please prepare and attach the following child personal ID documents. For the images, we kindly ask you not to cover the picture or any other information. 

Please attach the following ID documents:

  • If the child has reached the age of 15 – please upload a picture of the child's ID card or passport.
  • If the child is between the ages of 7 and 14 – please upload a picture of the child's ID card, passport or child's birth certificate (by choice).
  • Please note, in case ID card is attached, image of both ID card sides is necessary. If a picture of passport is attached, please ensure that full passport opening with both pages is visible.
  • If you are a guardian, please upload a decision of the Orphan's Court granting custody. The decision must be signed or approved with an e-stamp.

Logging in to your child's Online bank:

  • We will send your child's login for the Online bank. Check your incoming messages in your’s Online bank, under section "Correspondence with the bank → Correspondence with the bank and notifications".
  • We will send your child's password for the Online bank via SMS to the phone number specified in the application.

We will inform you about the progress of your application by SMS to your phone number.
 

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

Up to 18 years. 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.

From 16 years (with a regular income) and 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.

What if I lose my card?

Up to 18 years. You can block your card in the Citadele app or by calling 6701 0000. A parent or guardian can apply for a new card by calling 6701 0000.

From 16 years (with a regular income) and young people over the age of 18. You can block your card in the Citadele app or by calling 6701 0000, while you can apply for a replacement in the online bank or by calling 6701 0000. 

How do I apply for the C REWARDS prize and discount program?

You can set up your C REWARDS account by logging in through the Citadele online bank: 

  • In the Citadele mobile app Services > C REWARDS.
  • In the Citadele online bank under C REWARDS program section.
  • On the www.xrewards.lv website.

What access rights are there to the mobile app?

Up to 18 years. If the monitoring regime has been selected for the online bank, then both the child and parent (or guardian) can use the app to see account balance, the card, purchases and C REWARDS points. If the special regime has been selected for the online bank, the young person will be able to use the app to make transfers, activate the card, change the PIN code, and block and unblock cards. 

From 16 years (with a regular income) and young people over the age of 18. All operations are available in the mobile app: money transfers, card activation, blocking or unblocking cards, and PIN code changes. 

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

Up to 18 years. 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  +371 6701 0000 or visiting a branch.

From 16 years (with a regular income) and young people over the age of 18. Conveniently change the PIN code at any time in the Citadele app. 
 

More questions
How do I apply for an C smart card, what documents are required?

Citadele customers can open an account for their children in online bank - Accounts and Cards → Order a card for a child.

Up to 18 years, if your parents are not Citadele clients - if you're a parent who wants to open an account for their child, there's no need to take the child with you!

If the child has reached the age of 15, remember to bring:
- the parent or guardian’s passport / ID card;
- the child’s passport / ID card. Birth certificate also must be presented, if there is no entered child’s information in the parents’ passport.

If the child has not reached the age of 15, remember to bring:
- the parent or guardian’s passport / ID card;
- birth certificate or child's passport / ID card. If there is no entered child’s information in the parents' passport, then a birth certificate must be submitted in addition to child's ID document.

From 16 years with a regular income: scholarship or work wages. You can apply for an C smart card without the presence of a parent or guardian at a branch.
Remember to bring: a passport or ID card and a work contract or statement from an educational institution confirming a scholarship.

Aged between 18 and 21 - apply with a selfie via the Citadele mobile app and receive your C smart card remotely.

Applying for your child or ward’s C smart set through the online bank

If you are Citadele customer with a valid citizen’s ID card or passport issued in Latvia, you can submit an application to open an account for your child remotely through the online bank.
We will review the application within 2 working days. C card and its PIN code will be sent by post to the address specified in the application within a week.
To open an account for a child or a ward, go to the Accounts and cards” section of the online bank and choose the order form “Order a card for a child.”

Bear in mind! With this application, your child (or ward) will become a customer of AS “Citadele Banka,” and will receive the following bank products:

  • C smart card linked to a current account.
  • Online bank access and a MobileSCAN authorisation tool.
  • The option to participate in our loyalty programme C REWARDS, accumulate points and receive prizes.

Other services cannot be included in this application process!
In the application form, you will receive information on the services your child or ward will receive once they become a customer.

In the application form, please provide accurate information about the child or ward – without it we will be unable to open account for the child. 
Please prepare and attach the following child personal ID documents. For the images, we kindly ask you not to cover the picture or any other information. 

Please attach the following ID documents:

  • If the child has reached the age of 15 – please upload a picture of the child's ID card or passport.
  • If the child is between the ages of 7 and 14 – please upload a picture of the child's ID card, passport or child's birth certificate (by choice).
  • Please note, in case ID card is attached, image of both ID card sides is necessary. If a picture of passport is attached, please ensure that full passport opening with both pages is visible.
  • If you are a guardian, please upload a decision of the Orphan's Court granting custody. The decision must be signed or approved with an e-stamp.

Logging in to your child's Online bank:

  • We will send your child's login for the Online bank. Check your incoming messages in your’s Online bank, under section "Correspondence with the bank → Correspondence with the bank and notifications".
  • We will send your child's password for the Online bank via SMS to the phone number specified in the application.

We will inform you about the progress of your application by SMS to your phone number.
 

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

Up to 18 years. 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.

From 16 years (with a regular income) and 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.

What if I lose my card?

Up to 18 years. You can block your card in the Citadele app or by calling 6701 0000. A parent or guardian can apply for a new card by calling 6701 0000.

From 16 years (with a regular income) and young people over the age of 18. You can block your card in the Citadele app or by calling 6701 0000, while you can apply for a replacement in the online bank or by calling 6701 0000. 

How do I apply for the C REWARDS prize and discount program?

You can set up your C REWARDS account by logging in through the Citadele online bank: 

  • In the Citadele mobile app Services > C REWARDS.
  • In the Citadele online bank under C REWARDS program section.
  • On the www.xrewards.lv website.

What access rights are there to the mobile app?

Up to 18 years. If the monitoring regime has been selected for the online bank, then both the child and parent (or guardian) can use the app to see account balance, the card, purchases and C REWARDS points. If the special regime has been selected for the online bank, the young person will be able to use the app to make transfers, activate the card, change the PIN code, and block and unblock cards. 

From 16 years (with a regular income) and young people over the age of 18. All operations are available in the mobile app: money transfers, card activation, blocking or unblocking cards, and PIN code changes. 

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

Up to 18 years. 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  +371 6701 0000 or visiting a branch.

From 16 years (with a regular income) and young people over the age of 18. Conveniently change the PIN code at any time in the Citadele app. 
 

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