https://www.citadele.lv/en/private/customer

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Become a customer
https://www.citadele.lv/en/private/customer

Become a customer without visiting a branch

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Step 1

Download the Citadele app to your phone or tablet

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Step 2

Take a photo of yourself and your ID document

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Step 3

Fill in the application and receive your X card by post within 3 working days


Choose your X card

Select any of our new X cards and join the ranks of Citadele clients in just 7 minutes!

  • Any of our X cards will bring value to your everyday life with free transfers within Europe and commission-free withdrawals from ATMs worldwide
  • X smart with a low monthly fee for adults and zero monthly fee for children and young people aged between 7 and 21
  • X supreme with basic purchase and travel insurance, a lowest-price guarantee for purchases, and a credit limit of up to €5,000
  • X prime with extensive insurance for you and your family, some additional benefits for travel and shopping, and a credit limit of up to €15,000
  • X REWARDS discounts throughout the Baltics and X REWARDS points to collect and exchange for amazing prizes
Find out more

* All cards can also be used with no credit limit

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How to become our client

In mobile app

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 and your ID
  • Fill in an application and receive your new X card by post in your address
  • Activate it through the app

If you are 7 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

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In branch

Come to the branch most convenient for you. The bank's branches serve customers only by prior appointment.

No time to wait? Go to the branches Citadele, Spice, Liepja and Daugavpils branches and receive your card within 15 minutes.

Why become a Citadele client?

  • Take advantage of the many X 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!
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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Is delivery available abroad?

Currently this service is available only in Latvia.

Why do I have to take a selfie?

It helps us ensure that it really is you.

Is my data secure?

We guarantee the nondisclosure and security of your personal data by taking the appropriate technical and organisational measures. Only authorized bank employees and employees of our cooperation partners have the right to access your personal data. The security of the network and private devices, data back-up, and other measures are ensured to protect your data from unauthorized access, use and disclosure, when your data is sent in an encrypted form. Refer to our Privacy Protection Rules for more details.

When will I have access to banking services?

Account and mobile app are available immediately after successful singing up. Card will be delivered within a week. When you receive an card, you must activate it in the mobile app or online banking.

What to know before applying

If you are not yet our customer, you can join us without visiting the bank! All you need is the app: take a selfie, and we will send your card by mail for free.

To become a client using the Citadele app, you must:

  • be an adult, at least 18 years old
  • have a citizen or non-citizen passport or ID card issued by the Republic of Latvia
  • have a phone number registered in Latvia
  • have a permanent address in Latvia
  • be tax resident in one country only - Latvia

If one of the above points does not apply, we welcome you to any of our branches, bringing along a form of ID. If you are under 18 but over 7, you can apply by bringing one of your parents with you.

Filling in an application in the mobile app takes an average of 7 minutes.

Bear in mind that when you become a customer of the bank via the Citadele app, your monthly upper incoming transfer limit will be €3000 per month. This can be changed at any of our branches.

Download the Citadele app and fill the application  

Applying through the mobile app

To begin the application, select “Become a Client” and read the basic information.

Ensure that you have entered the correct phone number and email address, because later in the application process you will receive important information via SMS and email, and this is how we will also contact you if necessary.

In the address field, write the address to which you would like your card sent. Bear in mind, if you live outside of a city, you should select Region, where you will be able to enter your region and parish.

In step 4, you will be able to select which card is most suitable. Swipe to view all descriptions. 

When you have selected a card, confirm your phone number and create a PIN code.

Bear in mind that you will need this PIN after you have become a client to log in and confirm payments.

Answer the next few questions about yourself.

Enter your average monthly incoming payments. Bear in mind that when you become a Citadele client via the mobile app, your account will initially have an upper monthly income cap of €3,000. This can be changed by visiting a branch.

In the next step, read and confirm all the necessary terms and conditions.

Select which form of ID issued by the Republic of Latvia you will be using.

Remember that you can only use a citizen’s or non-citizen’s eID card or passport.

To ensure that the photo is successful, check that the ID is not damaged and has not expired, and ensure that the front and back cameras of your device are clean.
You should also ensure that the lighting wherever you are taking the photo is good enough, and that no one can disturb you.

When taking your photos, bear in mind the following crucial aspects:

  • Use the original of your ID card or passport;
  • The whole ID card or passport must fit into the photo;
  • You should photograph the full spread of your passport, with the top and bottom page fully visible.

I submitted my application, what now?

I submitted my application, what now?

After submitting your application, the bank will contact you if necessary. If your application is successful and we do not require any additional information, you will soon receive 3 text messages:

  • an SMS welcoming you as a Citadele client
  • your online banking username 
  • your online banking password 

Ensure that you save your online banking log in details, as you will need these to access full online banking or to renew your MobileSCAN license on a new mobile device.

We will send you an email containing the important information, and we will also send you a notification via the online bank. We will ask you to respond to this notification with a phone password question and answer. Make sure that you do this, because if you have any issues and contact us by phone, we will have to verify your identity. To do this, we will ask you the security question, and you will have to answer. Without this question and answer, we will have no way of ensuring that you are who you say you are over the phone.

You will receive your card and PIN code by post to the address you entered within one week.

Remember that, when you become a Citadele client via the Citadele app, your initial upper monthly incoming transfer limit will be €3000. You can change this by visiting a bank branch.

If you have "Bring a friend!" promo code, you can indicate it in the Mobile App chat after filling in the application form. You can also name your promo code during the call, when we will call you about the completed card application.

If after filling in the application you received that it is necessary to take another photo (SMS text: Jamegina velreiz! Ludzu, uznem jaunas fotogrāfijas, jo ieprieksejas dokumentu nevar izmantot) then for some reason the submitted photos have not been accepted (blurred, insufficient lighting, etc.). In this case, you will need to uninstall and reinstall the Citadele app and fill the application once more.

Frequently asked questions about Become a customer in Mobile app.

More questions
Is delivery available abroad?

Currently this service is available only in Latvia.

Why do I have to take a selfie?

It helps us ensure that it really is you.

Is my data secure?

We guarantee the nondisclosure and security of your personal data by taking the appropriate technical and organisational measures. Only authorized bank employees and employees of our cooperation partners have the right to access your personal data. The security of the network and private devices, data back-up, and other measures are ensured to protect your data from unauthorized access, use and disclosure, when your data is sent in an encrypted form. Refer to our Privacy Protection Rules for more details.

When will I have access to banking services?

Account and mobile app are available immediately after successful singing up. Card will be delivered within a week. When you receive an card, you must activate it in the mobile app or online banking.

What to know before applying

If you are not yet our customer, you can join us without visiting the bank! All you need is the app: take a selfie, and we will send your card by mail for free.

To become a client using the Citadele app, you must:

  • be an adult, at least 18 years old
  • have a citizen or non-citizen passport or ID card issued by the Republic of Latvia
  • have a phone number registered in Latvia
  • have a permanent address in Latvia
  • be tax resident in one country only - Latvia

If one of the above points does not apply, we welcome you to any of our branches, bringing along a form of ID. If you are under 18 but over 7, you can apply by bringing one of your parents with you.

Filling in an application in the mobile app takes an average of 7 minutes.

Bear in mind that when you become a customer of the bank via the Citadele app, your monthly upper incoming transfer limit will be €3000 per month. This can be changed at any of our branches.

Download the Citadele app and fill the application  

Applying through the mobile app

To begin the application, select “Become a Client” and read the basic information.

Ensure that you have entered the correct phone number and email address, because later in the application process you will receive important information via SMS and email, and this is how we will also contact you if necessary.

In the address field, write the address to which you would like your card sent. Bear in mind, if you live outside of a city, you should select Region, where you will be able to enter your region and parish.

In step 4, you will be able to select which card is most suitable. Swipe to view all descriptions. 

When you have selected a card, confirm your phone number and create a PIN code.

Bear in mind that you will need this PIN after you have become a client to log in and confirm payments.

Answer the next few questions about yourself.

Enter your average monthly incoming payments. Bear in mind that when you become a Citadele client via the mobile app, your account will initially have an upper monthly income cap of €3,000. This can be changed by visiting a branch.

In the next step, read and confirm all the necessary terms and conditions.

Select which form of ID issued by the Republic of Latvia you will be using.

Remember that you can only use a citizen’s or non-citizen’s eID card or passport.

To ensure that the photo is successful, check that the ID is not damaged and has not expired, and ensure that the front and back cameras of your device are clean.
You should also ensure that the lighting wherever you are taking the photo is good enough, and that no one can disturb you.

When taking your photos, bear in mind the following crucial aspects:

  • Use the original of your ID card or passport;
  • The whole ID card or passport must fit into the photo;
  • You should photograph the full spread of your passport, with the top and bottom page fully visible.

I submitted my application, what now?

I submitted my application, what now?

After submitting your application, the bank will contact you if necessary. If your application is successful and we do not require any additional information, you will soon receive 3 text messages:

  • an SMS welcoming you as a Citadele client
  • your online banking username 
  • your online banking password 

Ensure that you save your online banking log in details, as you will need these to access full online banking or to renew your MobileSCAN license on a new mobile device.

We will send you an email containing the important information, and we will also send you a notification via the online bank. We will ask you to respond to this notification with a phone password question and answer. Make sure that you do this, because if you have any issues and contact us by phone, we will have to verify your identity. To do this, we will ask you the security question, and you will have to answer. Without this question and answer, we will have no way of ensuring that you are who you say you are over the phone.

You will receive your card and PIN code by post to the address you entered within one week.

Remember that, when you become a Citadele client via the Citadele app, your initial upper monthly incoming transfer limit will be €3000. You can change this by visiting a bank branch.

If you have "Bring a friend!" promo code, you can indicate it in the Mobile App chat after filling in the application form. You can also name your promo code during the call, when we will call you about the completed card application.

If after filling in the application you received that it is necessary to take another photo (SMS text: Jamegina velreiz! Ludzu, uznem jaunas fotogrāfijas, jo ieprieksejas dokumentu nevar izmantot) then for some reason the submitted photos have not been accepted (blurred, insufficient lighting, etc.). In this case, you will need to uninstall and reinstall the Citadele app and fill the application once more.

Frequently asked questions about Become a customer in Mobile app.