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Pay with a ring or a wristband.


Super-fast payments

Beep and go!


Secure payments

Confirm larger sums using your PIN code


Nothing else needed

Leave your wallet and your phone at home

Ring for your freedom of payments

  • The payment ring is linked to your card account. Amounts of up to 50 EUR will not require a PIN code.
  • The ring is made of hard wearing ceramic material which protects it from scratches and water damage, meaning you can play sports, wash your hands and swim without worrying. Choose which one you like best: black&white, blue, black or white.
  • Manage your ring easily using the Citadele mobile app: change its PIN code, keep up with expenditures, as well as block or unblock the ring if needed.
  • To apply for the ring, you must be an X card holder and a member of the X REWARDS program. Application and more information in X REWARDS program page
  • Fee for ring use: 3 EUR per month.
Order ring

  • Create a PIN code for your ring in the Citadele mobile app. You will need this to confirm payments over 50 EUR.
  • You can also use the app to change your PIN if you have forgotten your existing one.
  • Oversee your expenditures and payment history.
  • Manage your ring settings—block and unblock your ring.
  • To pay, bring your hand, closed in a fist, near the payment terminal. See how to pay properly.
  • The payment ring works just the same as your payment card: with contactless functionality.
  • To confirm payments above 50 EUR, you will have to enter your ring’s PIN code.
  • The payment ring is made of hard wearing ceramic material which protects it from scratches and damage.
  • The ring coating is waterproof: play sports, wash your hands and swim without worrying.
Order ring

Wristband and sticker for contactless payment

You can tap your wristband and sticker just like a contactless card.

  • If you don’t want to take your wallet or phone, you can use a contactless wristband. It’s linked to your card, and you pay in exactly the same way - by tapping it on the card reader. The wristband is hard-wearing, so you can even wear it when you play sports or go swimming.
  • Meanwhile, you can stick the sticker wherever you want - on your trusty old non-smart phone, student ID or any other important item with a smooth surface.
  • The limit for wristband and sticker payments is the same as for your card - you can spend up to 50 EUR without entering your PIN.
  • Both the sticker and wristband cost 50 cents per month. You can receive them at any of our branches, making sure you bring your passport or ID card. The sticker or wristband will act as an additional card for your account.

Don’t have an X card yet?

Select the one most suitable card for you and start enjoying the wide range of benefits.

  • Free transfers within Latvia and Europe.
  • Free cash withdrawals from ATMs worldwide.
  • Extensive insurance coverage for travels and purchases.
  • Option of adding a credit limit up to 15 000 EUR.
  • X REWARDS discounts and prizes.
More about the cards

More opportunities


X supreme and X prime

Always available additional funding, extensive travel and purchase insurance and discounts both in Latvia and abroad.
Learn more

Consumer loan

Financing of up to 20 000 EUR to help with your plans. With no deposit, collateral and security.
Learn more

Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Learn more