FROM ORDINARY DEBIT CARD TO X SMART

X Smart

Free transfers

EUR transfers in Estonia and in Europe are free of charge to you when using modern solutions: online banking and mobile application.

Earn on account balance

Have an extra payday every month. The money in your account will earn you additional income at 1 % per year. This interest will be paid out to you monthly.

Free ATMs

All ATMs in the world become your friends. With the
X Smart you can withdraw cash without any fee in Rapla and New York alike.

X REWARDS prizes

You will earn valuable X REWARDS points for every purchase. In shops, online and in flight. Very soon you will be able to exchange accumulated points for prizes.

X REWARDS discounts

You will get X REWARDS discounts across Estonia, Latvia and Lithuania. In cinemas, shops, restaurants, caf├ęs and also online.
Discounts and prizes
Earn points for every purchase (2 euros = 1 point) and exchange them for valuable prizes, and request discounts from our partners in Estonia, Latvia and Lithuania.
  • EE Hotel Jurmala SPA
  • EE Hotel Jurmala SPA
  • EE Mercure
  • EE Pullman
  • EE Raibum
  • EE Ozo Golf
  • EE ESPA
  • EE Hotel Jurmala SPA points
  • EE ReCure
  • EE ForumCinemas points
  • EE Sokisahtel
  • EE Teletorn
  • EE ahhaa
  • EE airbaltic
  • EE ForumCinemas discounts