https://www.citadele.lt/en/private/customer

Notification on Cookie Use

On our website, we use our own and third-party cookies. Essential cookies, which help us run and secure the website, do not need your consent. For the use of statistics, analytics and marketing cookie, we need your consent in order to provide more convenient website and online service usage, and offer you relevant content and services depending on your usage habits. You can agree to this use of cookies by clicking Agree, and you can cancel or adapt this at any time using the following link: Cookie Settings. Find out more: Cookie Terms and Conditions.

Become a customer without visiting a branch

photo
icon

Step 1

Download the Citadele app to your phone or tablet

icon

Step 2

Take a photo of yourself and your ID document

icon

Step 3

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


Choose your X card

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

  • Any of our X 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).
  • X smart or X smart KIWIE with a low monthly fee for adults and zero monthly fee for schoolchildren and students.
  • X 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.
  • X 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.
  • X REWARDS discounts throughout the Baltics and X REWARDS points to collect and exchange for amazing prizes. There are additional conditions.
Find out more

* The service is provided by the Lithuanian branch of Balcia Insurance SE through its agent AS Citadele banka.

photo

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 X 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.

photo
photo
photo

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 X 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!
photo

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
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 X smart, X supreme, X 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 X 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 X card bank account?

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

What will be the monthly fee for the X prime card?

Card monthly fee for the granted credit limit:

  • 5 EUR for 0 - 5 000 EUR
  • 6 EUR for 5 001- 10 000 EUR
  • 7 EUR for 10 001- 15 000 EUR

How do I get a discount on the card's monthly fee?
Actively use X prime - pay with the card for goods in stores and online and do not pay the card's monthly fee. Spending 6 000 EUR within 6 months is 50 %. discount on the card's monthly fee. 25 % on spending of 4 500 EUR. discount

How to start to collect X REWARDS points when shopping?

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

More questions
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 X smart, X supreme, X 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 X 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 X card bank account?

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

What will be the monthly fee for the X prime card?

Card monthly fee for the granted credit limit:

  • 5 EUR for 0 - 5 000 EUR
  • 6 EUR for 5 001- 10 000 EUR
  • 7 EUR for 10 001- 15 000 EUR

How do I get a discount on the card's monthly fee?
Actively use X prime - pay with the card for goods in stores and online and do not pay the card's monthly fee. Spending 6 000 EUR within 6 months is 50 %. discount on the card's monthly fee. 25 % on spending of 4 500 EUR. discount

How to start to collect X REWARDS points when shopping?

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