FROM ORDINARY DEBIT CARD TO X SMART

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, cafés and also online.

X smart at your doorstep anywhere in Tallinn region

Apply for X smart and we will deliver it to you at a convenient time and place free of charge. And that’s it – no need to come to the Bank!

FROM ORDINARY CREDIT CARD TO X CREDIT CARD

X_card

No monthly fee

Use your credit card for the first 6 months without monthly fee*

Travel and purchase insurance

Receive travel and purchase insurance abroad as well as in Estonia

X REWARDS prizes

Pay with your X credit card, earn points (1 EUR = 1 point) and convert them to prizes

X REWARDS discounts

Get discounts at merchant stores across Estonia, Latvia and Lithuania. In shops, restaurants, cafés and also making purchases online.
* 100% discount on the fee for the main card for the first 6 (six) months, starting from the 1st of the next month after the date of issuing the main card. The offer applies only to X hero and the X Platinum.