X prime

A card for enjoying everyday life and travels with your family

Apply now
x xprime

X prime

A card for enjoying everyday life and travels with your family

x xprime
Apply now

Free transactions

Extensive travel insurance

Additional funds for your needs

Transfer and withdraw cash with no commission fee

Travel insurance for you and your family

Credit limit of up to €15,000

Free transactions

Transfer and withdraw cash with no commission fee

Extensive travel insurance

Travel insurance for you and your family

Additional funds for your needs

Credit limit of up to €15,000

x xprime six months

FREE FOR THE FIRST 6 MONTHS


Continue to use the X prime card for free
  • Apply for an X prime now and get the first 6 months as a gift - use your card with no commission fee!*
  • Be an active card user and make purchases totalling at least €6,000 for six months period to continue using with no commission fee!
  • Continue using your X prime card with no monthly fee for up to 24 months when you take part in the "Bring a Friend" offer and recommend an X card to friends
  • Standard monthly fee €5.99
More about the active user discount
More about “Bring a friend”

*100% card fee discount for first 6 months starting from 1st day of the month following the card issue date. The discount does not apply when X Platinum card is replaced by an X prime card.

porzingis with balls

EVERYDAY NEEDS WITH ONE MONTHLY FEE

Enjoy the benefits of X prime for just €5.99 per month!*

  • Make an unlimited number of electronic payments with no commission fee throughout Europe
  • Withdraw up to €1500 per month from any ATM worldwide with no commission fee
  • Receive extensive travel insurance and purchase protection for you and your family, as well as additional insurance benefits
  • Make use of a credit limit up to €15,000
  • Enjoy 45 days interest-free and pay no interest on your credit
  • Collect X REWARDS points when shopping (€1=2 points) and exchange them for your chosen prize
  • Earn 0.2% per year on your account balance up to €10,000

  • *If your credit limit is up to €5,000.

RECEIVE YOUR X PRIME 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 prime card in the app
4
Receive your card by mail in 3 business days

IF YOU ARE A CLIENT AND WANT A NEW X PRIME CARD

smart phone image

Why to choose X prime?

Additional funds for your needs

  • Credit limit of up to €15,000 with up to 45 days interest-free
  • Individually-set interest rate from 12.9% per year*
  • Card can also be used with no credit limit

*The lowest avaliable interest rate. Assuming that the credit limit is 4000 EUR and the interest rate is 12,9% per year, the Annual Percentage Rate (APR) is 16.55%.

Insurance for you and your family members

  • Travel insurance in Latvia and abroad for you and your family, including unexpected medical expenses and insurance against falling ill with COVID-19
  • Additional insurance on bicycle trips and help in case of sudden accidents at home
  • Purchase protection against theft and damage, as well as an extended warranty on electronics

Free transfers

  • A card you can use to make euro transfers within Latvia and Europe with no commission fee
  • Free instant payments - send money in a few seconds
  • Payments to phone numbers using the Citadele app

Free cash withdrawals

  • Unlike credit cards, you can use your X prime to withdraw cash from ATMs without commission
  • Up to €1,500 per month from ATMs anywhere in the world
  • Withdraw up to this amount an unlimited number of times from Citadele and other bank ATMs

COLLECT X REWARDS POINTS QUICKLY AND EASILY!

When you shop using an X prime card, you can receive discounts of up to 25% throughout the Baltics! Collect points and exchange them for amazing prizes: restaurant visits, store gift cards, charity donations and more. Registration for the programme is free.

  • Collect points while shopping: €1 = 2 points until 31.07.2021. Afterwards, €1 = 1 point, and €1 = 2 points with some of our partners
  • Discount of 2.5 cents/l at Neste petrol stations
  • Prizes starting from 450 X REWARDS points
More about the X REWARDS programme
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WANT TO EXCHANGE YOUR EXISTING CARD FOR AN X PRIME CARD?

All X cards issued before 14.12.20 maintain their benefits until their expiry date. However, if you want to exchange it for a new X card, this can be done for free! You can also order a new X card and use it alongside your existing card

CHOSEN YOUR X CARD?

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

phone app

OTHER OPTIONS

X smart

Enjoy free transfers and cash withdrawals from ATMs worldwide

See X smart

X supreme

Receive everyday benefits, as well as insurance for your purchases and travels

See X supreme

Compare cards

FREQUENTLY ASKED QUESTIONS

Find answers to the top questions here

HOW DO I ORDER AN X PRIME 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 prime 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 prime 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 prime card and inform about correspondence address to receive the card;
- you will receive the card by mail within 3 business days.

MONTHLY CARD FEE

WHAT WILL MY X PRIME MONTHLY CARD FEE BE?

Your X prime monthly card fee depends on your credit limit.

Creditlimit:
Monthly fee
0-5000 EUR
5.99 EUR
5001 - 10000 EUR
6.99 EUR
10001 - 15000 EUR
7.99 EUR

How do I receive a discount on my monthly card fee?

Use your X prime card for free by using it actively for purchases in stores and online. Receive a 100% discount on your monthly card fee if you spend a total of €6,000 in 6 months, or a 50% discount if you spend a total of €4,500.

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 prime 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.

ATM

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. Exceeding this amount, a commission fee will be applied - at Citadele ATMs 1% of the withdrawn sum and at ATMs of other banks 2% of the withdrawn sum (minimum 3.50 euros).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee at Citadele ATMs in Latvia is 1% of the withdrawal sum. At other ATMs worldwide, the fee is 2% olf the withdrawal sum. Minimum commission - 3,50 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

PAYMENTS

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro  from your X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency than my X prime account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X prime bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X prime account to any bank which supports instant payments. The money is transferred within seconds.

BENEFITS OF INSURANCE

What are the insurance benefits of the X prime card?

Both you and your family are insured on trips with your X prime card. You will all be protected from unexpected medical expenses. Your travel insurance also covers delayed, damaged and lost luggage, rental car KASKO insurance, as well as protection against the risk of travel delay and cancellation. Insurance applies even when enjoying winter sports.

Purchase protection includes the risk of non-delivery and an extended guarantee on electronics purchased with your X prime.

You can see all the insurance terms and conditions here.

PROFIT 0.2% PER YEAR ON YOUR ACCOUNT BALANCE

How can I receive interest on my account balance?

Your monthly wages must be paid into a Citadele account. On the last day of each month, your interest will be calculated on your average account balance. The maximum amount for which we calculate interest is 10,000 Euro, with a rate of 0.2% per year.

When will I receive the interest on my account balance?

Interest is calculated on the last day of the month and paid on the first day of the next month. A capital income tax payment is deducted from this. Your X prime account statement will show both transactions together.

X REWARDS programme

How to start to collect X REWARDS points when shopping?

Register for the X REWARDS programme and receive X REWARDS points on all purchases online and in stores worldwide (€1 = 2 points*). Register through xrewards.lv, the Citadele app or online bank.

*Valid until 31.07.2021. Afterwards, €1 = 1 point, and with some partners €1 = 2 points.

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 by calling 67010000

Find your nearest branch
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Client support 24/7

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

Contact options