X smart for young people

With convenient mobile application

  • With no monthly feeYoung people aged between 7 and 21 do not have to pay a monthly card fee
  • X REWARDS programmeEarn X REWARDS points for each purchase and exchange them for prizes
  • Open the account remotelyOpen an account and a card for a child in online bank

Benefits of the X smart card

  • Push notifications on your phone for each purchase and incoming payment
  • Cash withdrawals of up to 750 Euro per month at any ATM for no commission fee
  • Transfers and instant payments unlimited number of times for free. For those aged under 18, transfers are available with parental permission. Instant payments are available to/from banks that have joined the instant payments system

Modern contactless payments

  • Payment bracelet if you don’t want to take your card or wallet with you. It is waterproof and available in four colours: red, white, purple and black
  • Apple Pay, Google Pay, Garmin Pay or Fitbit Pay if you are aged 13 or over
  • No need to enter a PIN code for payments up to 50 EUR

More on contactless payments

X REWARDS prizes and discounts

  • Special offers and discounts with our partners in stores, cafes and entertainment
  • Films at Forum Cinemas with a 50% discount every Wednesday, including the ISENSE auditorium
  • After registering for the X REWARDS programme, collect points towards your chosen prize from a wide range of shopping, culinary and leisure prize offers
  • Every 2 Euro spent by the card user gives them 1 X REWARDS point

More about X REWARDS

Useful information for children and parents

  • For the parents of younger children: you can monitor your child’s spending in the mobile app and online bank, and be by their side as they learn to manage their money
  • Quickly and conveniently transfer money to your child’s account within seconds, even if your account is with another bank
  • Both the young person and parent can block a lost or stolen card by calling 6701 0000
  • Change the PIN code even if you don’t remember the old one in the app, if your settings allow
  • Special security limits for minors: daily limit for cash withdrawal EUR 200 and up to EUR 500 per month

Ready to apply?

  • Citadele customers can open an account for their children in online bank - it takes only a few minutes to complete the application
  • Aged between 7 and 18: you can only apply for an X smart card with your parents in their online bank or at a Citadele branch. Child's presence is not necessary for a parent to be able to open account for the child.
  • Those aged 16 and above with a regular income (scholarship or wage) can open an account at a branch by themselves
  • Aged between 18 and 21: apply with a selfie via the Citadele mobile app and receive your X smart card remotely
  • Receive your card within 15minutes when you apply at one of these branches: 2A Republikas Laukums and Spice Home in Riga, and the Liepāja and Daugavpils branches

Frequently asked questions

How do I apply for an X smart card?

Up to 18 years. You can open an X smart card account with one of your parents or guardians in their online bank (if they are Citadele customers) or at any bank branch. Child's presence is not necessary for a parent or guardian to be able to open account for the child.
Remember to bring: the parent’s/guardian’s passport or ID card and the child's passport/ID card, as well as the birth certificate of the child. If the parent's passport contains an entry about the child, there is no need for a birth certificate. For youth aged 15 and more passport or ID card is mandatory.

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.

What online banking services and access will be available?

Up to 18 years. The online bank usage regime is chosen by the parents. Options include a monitoring regime or a special regime allowing transfers from their account, payment, blocking or unblocking cards, and card replacement. A child’s parent or guardian can only monitor their child’s spending, and view account balance and transactions in the monitoring regime.

From 16 years (with a regular income) and over 18s. All operations are available in the online bank: money transfers, blocking or unblocking cards, replacing cards and applying for bank products.

What mobile app access will be available?

Up to 18 years. If the monitoring regime has been selected for the online bank, then both the child and parent (or guardian) can use the app to see account balance, the card, purchases and X REWARDS points. If the special regime has been selected for the online bank, the young person will be able to use the app to make transfers, activate the card, change the PIN code, and block and unblock cards.

From 16 years (with a regular income) and over 18s. All operations are available in the mobile app: money transfers, card activation, blocking or unblocking cards, and PIN code change.