X SMART

FROM ORDINARY DEBIT CARD TO X SMART

WHAT DO YOU GET WITH X SMART?

Earn 1 % per year on your account balance

Earn 1 % per year on your account balance

  • Receive your income at Citadele and earn interest on the balance
  • The account balance interest is 1 % per year and you will be getting this money every month
All ATMs in the world become your friends

All ATMs in the world become your friends

  • Withdraw up to 1000 euros worldwide without any fee
  • Unlimited times from Citadele ATM in Estonia
  • From ATMs of other banks worldwide - up to 5 times per month
GET X REWARDS BENEFITS FOR EVERY PURCHASE

GET X REWARDS BENEFITS FOR EVERY PURCHASE

  • Get discounts at merchant stores across Estonia, Latvia and Lithuania. Use special offers for shopping, travel, visiting restaurants and entertainment every month
  • Earn valuable X REWARDS points for every purchase - in shops and online, both in Estonia and abroad. Exchange accumulated points for prizes from impressive X REWARDS catalogue

All this for just EUR 1.20 per month

WITH X SMART AND CITADELE MOBILE APPLICATION THE BANK IS IN YOUR POCKET

WITH X SMART AND CITADELE MOBILE APPLICATION THE BANK IS IN YOUR POCKET

  • Get free text messages about incoming transfers on the card account
  • Whenever necessary change your PIN or block the card in the mobile banking application
  • Check out X REWARDS current offers and accumulated points
  • 24/7 customer support phone line: 77 00 000
PAY WITH A CONTACTLESS CARD, WRISTBAND OR STICKER

PAY WITH A CONTACTLESS CARD, WRISTBAND OR STICKER

  • Paying with a wristband is as easy as stretching out your arm. The wristband is available in 4 colours – black, white, red and purple. Personalize it according to your clothing or personality.
  • Pay with the sticker. Stick it on your phone since it’s always with you.
  • The cost of bracelet or sticker is 0.50 EUR a month.
Get the X smart delivered to you anywhere in Tallinn region

Get the X smart delivered to you anywhere in Tallinn region

  • We will deliver X smart card to you anywhere in Tallinn region at a place and time convenient to you free of charge
  • And that’s it – no need to come to the Bank!