ONE X CARD FOR ALL DAILY NEEDS

  • x smart

    X smart

    Enjoy free transfers and cash withdrawals from ATMs worldwide
    See X smart
  • x supreme

    X supreme

    Enjoy everyday benefits
    as well as insurance for your purchases and travels
    See X supreme
  • x prime

    X prime

    Enjoy all everyday benefits, extensive insurance for you and your family, plus double X REWARDS points*
    See X prime
x smart
x supreme
x prime

X smart

X supreme

X prime

Enjoy free transfers and cash withdrawals from ATMs worldwide Enjoy everyday benefits
as well as insurance for your purchases and travels
Enjoy all everyday benefits, extensive insurance for you and your family, plus double X REWARDS points* See X smart See X supreme See X prime
*2 times more X REWRADS points than X supreme and 4 times more than X smart card.

RECEIVE YOUR X 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 card in the app
4
Receive your card 3 in business days

If you are under 18 but older than 7, come to a branch with one of your parents instead of taking a selfie.

If you are our client and want a new X card

smart phone image

CHOOSE THE MOST SUITABLE X CARD FOR YOU

X smart

X supreme

X prime

xsmart

1.49 / mon.

Active user discount
Offer Bring a friend
Bring 1 to 4 friends and use your card for free for up to 24 months
Users aged 7 to 21: no card fee
Euro transfers within Latvia and Europe
Free
Free cash withdrawals from ATMs:
Up to €800 per month worldwide
Unlimited from Citadele ATMs, 5x/mo. elsewhere**
X REWARDS discounts
In Baltics
X REWARDS points for purchases to spend on great prizes
€2 = 1 point
Interest on account balance up to €10,000
0.2% per year
Credit limit
Up to €500
Interest-free period
Travel insurance
VIP airport lounge access
Purchase protection
Home help package
xsupreme

Free

For the first 3 months Afterwards €2.99/mo.

Active user discount
Make purchases of €3000 per 6 months and use your card for free
Offer Bring a friend
Bring 1 to 4 friends and use your card for free for up to 24 months
Users aged 7 to 21: no card fee
Euro transfers within Latvia and Europe
Free
Free cash withdrawals from ATMs:
Up to €1000 per month worldwide
Unlimited from Citadele ATMs, 5x/mo. elsewhere**
X REWARDS discounts
In Baltics
X REWARDS points for purchases to spend on great prizes
€1 = 1 point
Interest on account balance up to €10,000
0.2% per year
Credit limit
Up to €3000
Interest-free period
Up to 45 days
Travel insurance
Basic insurance for you
VIP airport lounge access
Purchase protection
Home help package
xprime

Free

For the first 6 months Afterwards €5.99/mo.*

Active user discount
Make purchases of €6,000 per 6 months and use your card for free
Offer Bring a friend
Bring 1 to 4 friends and use your card for free for up to 24 months
Users aged 7 to 21: no card fee
Euro transfers within Latvia and Europe
Free
Free cash withdrawals from ATMs
Up to €1500 per month worldwide
Unlimited from Citadele ATMs, 5x/mo. elsewhere**
X REWARDS discounts
In Baltics
X REWARDS points for purchases to spend on great prizes
1€ = 2 points until 31.07.2021.
Afterwards, 1€ = 1 point
Interest on account balance up to €10,000
0.2% per year
Credit limit
Up to €15,000
Interest-free period
Up to 45 days
Travel insurance
Extensive coverage for you and your family
VIP airport lounge access
Purchase protection
Home help package

*If your credit limit is up to €5000.
**From 01.05.2021 cash withdrawal at any ATM without time limit:
Xsmart up to 750€,
X supreme up to 1000€,
X prime up to 1500€ per month.

X smart

xsmart

1.49 / mon.

X supreme

xsupreme

Free

For the first 3 months Afterwards €2.99/mo.

X prime

xprime

Free

For the first 6 months Afterwards €5.99/mo.*

Active user discount
Make purchases of €3,000 per 6 months and use your card for free
Make purchases of €6,000 per 6 months and use your card for free
Offer Bring a friend
Bring 1 to 4 friends and use your card for free for up to 24 months
Bring 1 to 4 friends and use your card for free for up to 24 months
Bring 1 to 4 friends and use your card for free for up to 24 months
Users aged 7 to 21: no card fee
Euro transfers within Latvia and Europe
Free
Free
Free
Free cash withdrawals from ATMs
Up to €800 per month worldwide
Unlimited from Citadele ATMs, 5x/mo. elsewhere**
Up to €1000 per month worldwide
Unlimited from Citadele ATMs, 5x/mo. elsewhere**
Up to €1500 per month worldwide
Unlimited from Citadele ATMs, 5x/mo. elsewhere**
X REWARDS discounts
In Baltics
In Baltics
In Baltics
X REWARDS points for purchases to spend on great prizes
€2 = 1 point
€1 = 1 point
1€ = 2 points
until 31.07.2021.
Afterwards, 1€ = 1 point
Interest on account balance up to €10,000
0.2% per year
0.2% per year
0.2% per year
Credit limit
Up to €500
Up to €3000
Up to €15,000
Interest-free period
Up to 45 days
Up to 45 days
Travel insurance
Basic insurance for you
Extensive coverage for you and your family
VIP airport lounge access
With your Priority Pass card
Purchase protection
Home help package
See price list

*If your credit limit is up to €5000.
**From 01.05.2021 cash withdrawal at any ATM without time limit:
Xsmart up to 750€,
X supreme up to 1000€,
X prime up to 1500€ per month.

PICKED YOUR X CARD?

Download the Citadele app right now and receive your card by mail in 3 business days!

phone app

WHY CHOOSE AN X CARD?

The bank in your hands

  • Manage your finances conveniently in the mobile app
  • Change your card’s PIN code in just a few seconds
  • Block and unblock cards

Extensive payment options

  • Pay with your phone or Apple Pay
  • Make payment to phone numbers
  • Use a payment wristband or ring

Client support 24/7

x smart bring your own

BRING A FRIEND AND USE YOUR CARD FOR FREE


Take part in the Bring a Friend offer, and both you and your friend will be able to use X card for free


  • Ask your friend for a discount code, use it when applying and you can both have X card for free for 6 months
  • Any X card holder can receive a code by contacting us in the app chat, online bank or by phone
  • If you are an X card holder, bring up tp 4 friends using your own unique code and use your X card for free for up to 24 months
Find out more

REWARD YOURSELF WITH X REWARDS

Register for the programme for free on xrewards.lv

When shopping with your X card, receive discounts of up to 50% throughout the Baltics! Collect points and exchange them for amazing prizes: restaurant visits, store gift cards, charity donations and others. Registration for the programme ir for free.

  • 50% discount on Kino Citadele tickets on Wednesdays
  • 20% discount at Jūrmala SPA on Wednesdays
  • Prizes from 450 X REWARDS points
More about the X REWARDS programme
porzingis popcorn
hero-and-platinum

IF YOU HAVE X HERO OR X PLATINUM CARD


The benefits of your existing X hero and X Platinum card are retained until the card expires. Continue to use it keeping your current card’s conditions of credit limit insurance, X REWARDS programme and active user discount. If you want to change your X credit card to a new X card now:

  • In the Online banking under Correspondence with bank write a Free form Order to the bank
  • Specify which card you want to replace with the new X card and inform about correspondence address to receive the card
  • You will receive the card by mail within 3 business days
View X hero and X Platinum

FREQUENTLY ASKED QUESTIONS

Find answers to the top questions here

HOW DO I ORDER X 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 prior appointments only). When you become a client via the Citadele mobile app, we will send you your card by mail in three business days.

If you are a client of the bank and you want to receive an X card, keeping your existing card, in the online bank under Accounts and Cards xsection fill in the form Apply for new card. You will receive the card in the mail within 3 business days.

If you want to replace your existing card to the new X card:
- in the Online banking under Correspondence with bank write a Free form Order to the bank;
- specify which card you want to replace with the new X card and inform about correspondence address to receive the card;
- you will receive the card by mail within 3 business days.

BANK CARD FOR KIDS AND YOUTH

Which X card is most suitable for children and young people?

The X smart card is free for children and young people aged between 7 and 21 while still maintaining all its benefits.

Up to 18 years. You can open an X smart card account with one of your parents or guardians at any bank branch. Parents or guardians can also apply for a card for their child if the child is not present. Remember to bring: the parent or guardian’s passport or ID card, the child’s birth certificate or the child’s passport / ID card. Young people from the age of 15 must have a passport or ID card, as well as birth certificate, if there is no entered child’s information in the parents’ passport.

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

From 18 years. You can become a client and apply for an X smart card in the Citadele app or your nearest branch.

The bank's branches serve customers only by prior appointment.

How to receive discount in "Bring a friend" promotion?

If you already have an X card - bring a friend! Tell them about benefits on the X card and give him a promo code, which can be obtained by contacting our support team through chat in the mobile app, in the branch or by calling 6701 0000. After your friend receives their new card, you both will enjoy the benefits of the X card free of charge for 6 months. This promo code can be used multiple times. The maximum discount period you can receive when bringing friends is 24 months. Learn more about "Bring a friend" campaign.

How to use "Bring a friend" campaign promo code?

If you want to become a new customer of Bank Citadele and order an X card, ask your friends for their promo code first. If you apply in Citadele’s mobile app, you can send us the promo code in its chat after submitting your application. You can also mention the promo code in the call from the bank about your application status.

IF YOU NEED ANY SUPPORT

Call our 24/7 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.lv — 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.

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 APPLICATION METHODS

Citadele app

Online Banking

If you are our client, apply for your new X card here and receive in 3 business days

Apply online
Citadele filiale

In person

Apply for a branch visit

Find your nearest branch
Happy coffee man

Client support 24/7

Write or call us - we will answer both personal and general questions

Contact options