Detailed card information

Monthly fee for the X smart card 1.20 euro
X REWARDS prizes that you can spend your points on You get 1 point for every 2 full euros spent
X REWARDS discounts at our partners across Estonia At merchant stores across Estonia, Latvia and Lithuania
Euro transfers from the X smart card account throughout Estonia and Europe via the online bank or the mobile app Free of charge
Interest on average monthly X smart card account balance 1 percent per year
Withdrawal of up to 1000 euros in cash per month:
  • from Citadele ATM in  Estonia: unlimited number of times
Free of charge
  • from other ATMs in  Estonia and elsewhere in the world
Up to 5 times per month – free of charge
  • from other ATMs in  Estonia and elsewhere in the world, from the 6th time
1 percent of the sum (minimum of 1 euro)
Withdrawal of over 1000 euros in cash per month:
  • from Citadele ATM in  Estonia
0.2 percent of the sum
  • from other ATMs in  Estonia and elsewhere in the world
1 percent of the sum (minimum of 1 euro)
Currency exchange surcharge when making purchases or withdrawing cash in another currency 2 percent
Text messages from Citadele about sums transferred to the X smart card account Free of charge
Payment from one Citadele account to another Citadele account Immediately
Payment from a Citadele account to another bank’s account in Estonia or elsewhere in Europe Within 1 working day
Customer support and consultations 24/7 phone line 77 00 000

You can view the X smart price list here.