Notification on Cookie Use

On our website, we use our own and third-party cookies. Essential cookies, which help us run and secure the website, do not need your consent. For the use of statistics, analytics and marketing cookie, we need your consent in order to provide more convenient website and online service usage, and offer you relevant content and services depending on your usage habits. You can agree to this us of cookies by clicking Agree, and you can cancel or adapt this at any time using the following link: Cookie Settings. Find out more: Cookie Terms and Conditions.

X smart KIWIE

Are you 7 – 21 years old? Want a card free of charge and and a gift on top? Become a customer with X smart KIWIE by September 30, and we'll give you 3000 X REWARDS points for a prize of your choice.


X smart KIWIE bootcamp

Exclusive option for X smart KIWIE card users only! Want to take part, but you don't have X smart KIWIE card? Sign up for your card now and join the competition for the 1000 EUR prize pool. Lottery permission number 7847.

  • Apply between 25.08 and 10.09.2023. Definitely add a sketch, too!
  • Kiwie will select the top 20 sketches on September 12, with the authors taking part in workshop on September 16 and 17. There, together with Kiwie, you'll be able to learn the basics of graffiti and paint your Fat Monster on canvas.
  • Artworks created in the workshop will be posted anonymously to receive votes on Citadele's Instagram account. Invite all friends to vote by September 28th!
  • Top three winners will receive prizes - 500 EUR prize for 1 st place, 300 EUR prize for 2 nd place, 200 EUR prize for 3 rd place. Announcement of winners – on September 29.

Get the prize and celebrate with a friend!

Offer for new customers aged between 7 and 21

  • When you become our customer with X smart or X smart KIWIE card from 01.08.-30.09.2023, we will give you 3000 X REWARDS points right away! You can exchange them for a cool prize, such as cinema ticket, two bubble teas, a Wolt 5 EUR voucher etc.
  • To make you happier, we will also give free pizza! Special bonus! When ordering pizza from Pica Lulu with code luluxcitadele, new customers from 7-21 also get a second free pizza so the start of the school year can also be celebrated with friends.
  • To receive 3000 points, you must sign up for the X REWARDS loyalty program (it's free).
  • And even more gifts! Until 31.12.2023. for every euro spent with X smart card, youngsters get 4 times as many X REWARDS points. This allows you to get points four times faster than other X smart card users!

* Code valid until 08.10.2023 for new customers between 7 and 21. Find out more about Pica Lulū offer here.
** The offer can not be applied for clients with temporary residence permit, foreigner work visa or foreigner students.

Your benefits with X smart KIWIE:

  • Card is free of commission for youngsters aged 7 to 21 (included).
  • Free transfers and instant payments to any bank, both in Latvia and across Europe.
  • Withdrawal of money free of charge from any ATM in Latvia and worldwide up to EUR 750 per month.
  • X REWARDS special offers and the chance to collect points, which can be exchanged for cool prizes.
  • Convenient mobile app where you can remotely do all the daily banking and change PIN for your card.

Kiwie x Citadele

The digital world lives not only on your phone, but now on the physical card, too. When we were creating X smart KIWIE, we wanted it to be as digital as it could be, so we asked AI algorithm for a little help. It mixed up artist’s works with what it had learned about different keywords from Google and thus created a design you now see on the X smart KIWIE card. We can safely say that with this design approach we are the first in the Baltics and perhaps even one of the first ones in the world.


KIWIE is an anonymous Latvian artist whose Fat Monster became popular in the streets of Riga – but now it can be met in Bali, New York, Cyprus, Thailand, Vietnam, Spain, France, UK, Dubai, Kuwait, Montenegro and elsewhere in the world. Since 2021, the Fat Monster and Kiwie artworks also live in the metaverse, using the latest technologies to offer anyone a chance to become the owner of an artwork that sits on a wall on the other side of the world.


X REWARDS prizes and discounts

Want a free coffee, movie tickets or even free airline tickets for your dream travel? All of this is possible by registering in X REWARDS!

  • Register in for free.
  • Receive special offers and discounts with our partners in shops, cafes, and entertainment venues.
  • Collect points for every purchase you make with a card and exchange them for the prize of your choice.
More about X REWARDS

Ready to apply? Become a customer:

In mobile app: from 18 years

Join us from your sofa! We will deliver the card to you by post within Latvia.

  • Take a picture of yourself and your ID document.
  • Complete the application and receive your new X smart KIWIE card at the specified address.
  • Activate it on your mobile app.

If you're not 18 yet, ask your parents to open an account for you in online bank (if they're Citadele customers) or come to any of our branches with one parent.


At the branch

Come to closest branch, booking your meeting in

If you're a parent who wants to open an account for
their child, there's no need to take the child with you!
Find out what documents are required for account