X smart

A card for everyday convenience and the benefit of receiving more

Apply now
x smart

X smart

A card for everyday convenience and the benefit of receiving more

x smart
Apply now

Cash anywhere in the world

Free payments

Free for children and young people

Withdraw money from ATMs worldwide with no commission fee

Make payments throughout Europe with no commission fee

Apply for a free card if you are aged between 7 and 21

Cash anywhere in the world

Withdraw money from ATMs worldwide with no commission fee

Free Payments

Make payments throughout Europe with no commission fee

Free for children and young people

Apply for a free card if you are aged between 7 and 21

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 smart card for free

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

Enjoy the benefits of your X smart card for just €1.49 per month

  • Use your card with no monthly fee if you are aged between 7 and 21
  • Withdraw up to €800 in cash per month with no commission fee

    *From Citadele ATMs: an unlimited number of times. Up to 5 times per month elsewhere

  • Make an unlimited number of electronic payments throughout Europe with no commission fee
  • Apply for a credit limit of up to €500 if necessary
  • Receive X REWARDS discounts of up to 50% with our business partners, collect points when shopping (€2=1 point), and choose a prize from just 450 points
  • Earn 0.2% per year on your account balance up to €10,000

RECEIVE YOUR X SMART 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 smart card in the app
4
Receive your card by mail in 3 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 YOU WANT A NEW X CARD

smart phone image

Why to choose X smart?

Free transfers

  • A card you can use to make 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

  • You can use your X smart to withdraw cash from ATMs without commission
  • Up to €800 per month from ATMs anywhere in the world
  • Withdraw up to this amount an unlimited number of times from Citadele ATMs. Elsewhere, up to 5 times per month

Great value for children and young people

  • Card with no monthly fee for children and young people aged from 7 to 21
  • Parents of younger children can monitor their children's expenses in the mobile app and be alongside them as they learn to handle money
  • Wristband or sticker payments for when you want to leave your wallet at home

Additional funds for your needs

  • Credit limit of up to €500
  • Minimum credit repayment - 5% per month
  • Card can also be used with no credit limit - just apply when you need it

REWARD YOURSELF WITH X REWARDS

When you shop using your X smart card, you can 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 more. Registration for the programme is free

  • Collect points when shopping: €2=1 point
  • 50% discount on Kino Citadele tickets on Wednesdays
  • Prizes starting from 450 X REWARDS points
More about the X REWARDS programme
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READY TO APPLY?

Download Citadele app and receive your card within 3 business days!

phone app

OTHER OPTIONS

X prime

Enjoy all our everyday benefits, plus extensive insurance for you and your family

See X prime

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 SMART CARD?

If you want to become a Citadele client and receive an X smart card, you can do it via the mobile app or at one of the bank’s branches (by appointment 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 replace your existing card, write a free-form order to the bank via the online bank. To receive an X smart card with a new account, you can order a new card in the online bank under Accounts and Cards. Please ensure that your delivery address is correct. You will receive your card by mail in three business days.

DISCOUNT ON A MONTHLY CARD FEE

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

If you already have an X smart card - bring a friend! Tell them about benefits on the X smart debit 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 67010000. After your friend receives their new card, you both will enjoy the benefits of the X smart 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.

Where do I enter the “Bring a friend” promo code?

If you want to become a new customer of Bank Citadele and order an X smart 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 800 Euro in cash per month from any ATM, even abroad, with no commission fee. You can withdraw cash from Citadele ATMs an unlimited number of times, and 5 times per month from other banks’ ATMs. From the 6th time, you will have to pay 2% of the withdrawn sum (minimum 3,50 Euro).

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 800 Euro per month from an ATM?

The commission fee at Citadele ATMs in Latvia is 0.29% 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 smart 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 smart 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 smart bank account?

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

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 smart account statement will show both transactions together. Your X smart 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 (€2 = 1 point). Register through xrewards.lv, the Citadele app or online bank.

BANK CARD FOR KIDS AND YOUTH

How do I apply for an X smart card for young people?

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.

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 now and receive your card by mail in just 3 working days!

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
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Client support 24/7

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

Contact options