More than a debit card

Open an account, receive your X smart card and enjoy the benefits


  • Transfers free of charge throughout Europe, ATM withdrawals worldwide
  • Convenient mobile app: a bank in your pocket
  • Client support 24/7

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

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! When you choose X smart, we will deliver your contract and card by post to your Latvian address. You can receive other cards in-branch.


  • Branch

    You are welcome at any of our branches!

    Find your closest branch