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, 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!