Enhance your active lifestyle with a new type of debit card!
Untill July 31, 2020 become Citadele client in the mobile app and earn a bonus worth of 50 EUR.
Download and open Citadele app
Press "Become a bank's customer" to begin
Receive wages into your Citadele X smart account
Arrange for your wages to be paid into your account by 28.02.2020.—at least 700 EUR/month for 6 months.
Make at least 3 purchases monthly
Each month use your X smart card for purchases in person and online.
Earn bonus after 6 months
Within a month after fulfilling all the conditions above, we will transfer you bonus 12,600 X REWARDS points worth 50 EUR, which you can exchange for great prizes!
Apply with their promo code and both use your X smart cards 12 months for free!
Interest paid monthly to your bank account
Tap with a card, wearable, or your iPhone / Android phone
Enjoy X smart benefits for free while between ages 7 and 21
To any European euro bank account
Up to €800 a month from any ATM
We offer the best service and will answer any question whether general or specific
At 100+ shopping, restaurants, leisure and cultural events throughout the Baltics
Exchange the points you collect for valuable prizes
Receive 4 or 10x higher X REWARDS point rates from our select partners
Apply in mobile app and get you new X smart card in the mail!
|X smart EUR||X smart for youth1 EUR|
|Fee for card||1.49 EUR per month||Free of charge|
|Fee for supplementary card||1.49 EUR per month||Not offered|
|New card issue (instead of existing)||Free of charge||Free of charge|
|Commission fee for goods and services purchase||Free of charge||Free of charge|
|Cash withdrawal in Citadele Bank||As from current account||As from current account|
|Cash withdrawal in other banks||2% (min. 3 EUR)||2% (min. 3 EUR)|
|Cash withdrawal in Citadele Bank ATMs in Latvia||Free of charge up to 800 EUR2 per month, 0.29% from amount above||Free of charge up to 800 EUR2 per month, 0.29% from amount above|
|Cash withdrawal in ATMs of other banks||5 transactions or 800 EUR2 max per month - free of charge, above limit 2% (min. EUR 3.50)||5 transactions or 800 EUR2 max per month - free of charge, above limit 2% (min. EUR 3.50)|
|Payment from account||electr. payments - free of charge||electr. payments - free of charge|
|SMS sent to customer about incoming sum to account||Free of charge||Free of charge|
|Cash withdrawal at POS terminals at merchants||Free of charge||Free of charge|
|Credit limit amount||Individually||Individually|
|Minimum instalment||5% of the used credit limit amount + 100% of the excess expenditure||5% of the used credit limit amount + 100% of the excess expenditure|
|Credit interest (per annum) for cards issued against safety deposit||28%||28%|
|Interest for unauthorised negative balance (per day)||0.175%||0.175%|
|Currency exchange mark-up fee||3%||3%|
Effective from 01.06.2020
1 Aged 7 till 21 (including).
2 EUR 800 is the total maximum cash withdrawal amount per month in all ATMs in Latvia and abroad together.
Call our 24/7 helpline for the fastest response - We offer the best service and will answer any question whether general or specific.
Call our 24/7 Skype - If you need an urgent reply, call us on Skype any time of day.
Send us a message on Whatsapp - Add 2866 0011 to your contacts and send us a text message.
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.
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.
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.
Apply on the website - pick up your new X smart card in the bank branch of your choice.
Apply in the online bank - If you are an existing customer, apply in your online bank's "Accounts and Cards" section and get your new X smart card in mail
How to order an X smart card?
If you want to become a new customer of Bank Citadele and order an X smart card, you can do so with the help of Citadele mobile application, as well as by submitting an online application on the website or filling in one of the bank's branches. If you apply using Citadele’s mobile app, the ordered card will be delivered to you by mail. Existing customers can additionally apply for an X smart card, and get it remotely, in their online bank.
How to get a discount on a 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 6701 0000. This promo code can be used multiple times. After your friend receives their new card, you both will enjoy the benefits of the X smart card free of charge for 12 months. Learn more about the "Bring a friend" campaign.
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.
Can I rent a car with the X smart card?
Yes, if the car rental company accepts Visa debit cards.
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 commission 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.
How much do wire transfers to Latvian or European Union’s banks cost?
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 commission 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.
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.