Become a customer without visiting a branch

Till April 30, become our customer with the help of Citadele mobile app and enjoy the benefits of your new X smart debit card free of charge for 3 months!

  • Step #1Download Citadele app to your phone or tablet
  • Step #2Take a photo of yourself, your ID and both together
  • Step #3Fill in an application and receive your new X smart card by post free of charge

X smart – more than a debit card

  • Withdraw up to 800 Euro from ATMs worldwide free of charge
  • Make unlimited free electronic payments in Euro in Latvia and throughout Europe
  • Earn 1% of your Citadele account balance
  • Pay with your X smart card and receive a wide range of discounts throughout the Baltics
  • Earn X rewards points and exchange them for valuable gifts

Find out more

Become a Citadele client and receive X smart card remotely

If you are not yet our client, you can join us without coming to a bank! Now, all you need is our app: take a “selfie”, and we will deliver your card to you within Latvian borders for free.

  • Take a photo of yourself, your ID and both together
  • Fill in an application and receive your new X smart card by post in your address
  • Activate it through the app

More on X Smart

If you are 16 years old but not yet 18, you should apply in person rather than via selfie, bringing one of your parents to any of our branches

Why become a Citadele client?

  • Take advantage of the many X smart card privileges
  • Use our app to block and unblock cards, log in with Touch ID and Face ID, apply for loans, and change your cards’ PIN codes—even if you’ve forgotten the old ones
  • Make use of modern payment methods: pay with a wristband, sticker or mobile phone with NFC technology
  • Questions? Contact the bank’s employees by phone or through the app chat 24/7
  • Only in Citadele: become our client with a selfie using our mobile app. No need to come to a branch!

How to become our client

  • Mobile app

    Download the app and submit an application. We will deliver your contract and X smart card by post to your address in Latvia. For other cards, select a different method.

    Find out more

  • Website

    Fill in a short application form and we will contact you. You will have to schedule an appointment at branch to pick up your X smart card.


  • Branch

    Beginning 20.03, all branch visits must be scheduled beforehand by phone 67010000

    Find your closest branch