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Become a customer without visiting a branch

Bank with recognized mobile app. “Digital banking” award winner at the Global Fintech Awards 2024.

Step 1

Download the Citadele app to your phone or tablet.

Step 2

Take a photo of yourself and your ID document.

Step 3

Fill in the application and receive your C card by post within 3 working days.

VISA payment ring spinning and changing color from white to black.
Special offer!

Pay in style – with a payment ring!

Become a Citadele bank customer between July 1, 2025 and July 31, 2025, choose the most suitable C card for you, and try out the payment ring with NO MONTHLY FEE FOR 3 MONTHS!*

  • Order your selected C card, activate it in the app, and join the C REWARDS loyalty program.
  • Order the payment ring with the code CJULY here, receive it without the purchase fee**, and enjoy it without a monthly fee for the first 3 months.
  • Choose the payment ring that best reflects your style – specify the desired color and size, and collect it at your selected Citadele bank branch. Ring availability and sizes are limited!***

* If the customer was previously a bank client, the offer is valid only if the relationship with the bank was terminated at least six months before July 1, 2025.
** The regular ring purchase fee is 1 500 C REWARDS points, and the usage fee is 3 EUR/month.
*** Offer valid only for customers aged 18 and above.

Choose your C card

Select any of our C cards and join the ranks of Citadele clients in just 7 minutes!

  • Any of our C cards will bring value to your everyday life with free payments in euros within Europe and commission-free withdrawals from ATMs worldwide. worldwide (ATM owner fees may apply).*
  • C smart or C smart KIWIE with a low monthly fee for adults and zero monthly fee for schoolchildren and students.
  • C supreme with basic purchase and travel insurance**, a lowest-price guarantee for purchases, and an option of adding a credit limit of up to 5000 EUR.
  • C prime with extensive insurance for you and your family*, some additional benefits for travel and shopping, and an option of adding a credit limit of up to 15 000 EUR.
  • C REWARDS discounts throughout the Baltics and C REWARDS points to collect and exchange for amazing prizes. There are additional conditions.

* Currently 10 000 euros is the maximum total amount of incoming payments per month that you can receive in your accounts in Citadele.
** The service is provided by the Lithuanian branch of Balcia Insurance SE through its agent AS Citadele banka.

How to become our client

In mobile app

If you are not yet our client, you can join us without coming to a bank!

  • Take a photo of yourself and your ID
  • Fill in an application and receive your new C card by post in your address
  • Activate it through the app

If you're not 14 yet, ask your parents to open an account for you in online bank (if they're Citadele customers) or come to any of our branches with one parent.

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In branch

You can also become a client at by visiting our
branch. Book your visit in advance.

Why become a Citadele client?

  • Take advantage of the many C card privileges.
  • Use our app to block and unblock cards, log in with Touch ID and Face ID, apply for loans, and change your cards’ PIN codes—even if you’ve forgotten the old ones.
  • Make use of modern payment methods: pay with a wristband, sticker or mobile phone with NFC technology, Google Pay or Apple Pay
  • Questions? Contact the bank’s employees by phone or through the app chat.
  • Only in Citadele: become our client with a selfie using our mobile app. No need to come to a branch!

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

How to apply?

If you want to become a customer of Citadele Bank and get a C card, you can do it using the mobile application or by visiting one of the bank's branches (only after prior registration by phone +370 5 221 9091). When you become a customer of Citadele bank on the mobile app, we will send your card by mail within three working days.

If you are a bank customer and want to change your existing card, submit a free-form request in the Online bank. If you want to get a C card with a new account, you can order a new card in the "Accounts and cards" section of the Online bank. Please ensure that the correct delivery address is entered. You will receive the card in the mail within three working days.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro from your C smart, C supreme, C prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency from my C card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my C card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your C smart, C supreme, C prime account to any bank which supports instant payments. The money is transferred within seconds.

How to start to collect C REWARDS points when shopping?

Register for the C REWARDS programme and receive C REWARDS points on all purchases online and in stores worldwide (with C smart 2 EUR=1 point, C supreme, C prime 1 EUR = 1 point). Register through xrewards.lt, the Citadele app or online bank.

More questions
How to apply?

If you want to become a customer of Citadele Bank and get a C card, you can do it using the mobile application or by visiting one of the bank's branches (only after prior registration by phone +370 5 221 9091). When you become a customer of Citadele bank on the mobile app, we will send your card by mail within three working days.

If you are a bank customer and want to change your existing card, submit a free-form request in the Online bank. If you want to get a C card with a new account, you can order a new card in the "Accounts and cards" section of the Online bank. Please ensure that the correct delivery address is entered. You will receive the card in the mail within three working days.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro from your C smart, C supreme, C prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency from my C card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my C card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your C smart, C supreme, C prime account to any bank which supports instant payments. The money is transferred within seconds.

How to start to collect C REWARDS points when shopping?

Register for the C REWARDS programme and receive C REWARDS points on all purchases online and in stores worldwide (with C smart 2 EUR=1 point, C supreme, C prime 1 EUR = 1 point). Register through xrewards.lt, the Citadele app or online bank.

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