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Private Business customers About bank C Rewards
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  1. Private customers
  2. C cards
  3. C smart for young people
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With no monthly fee.

Young people aged between 7 and 21 do not have to pay a monthly card fee.

C REWARDS programme

Discounts at our partner stores. Earn points on each purchase for exchange for valuable prizes.

Open the account remotely

Open an account and a card for a child in online bank.

New! C smart NEON

Escape the boring! Flow with the new aesthetic and design with no borders. Let your heart beat with the dynamic. Why have less colour when you can have more? C smart NEON is for you! Let it vibe with your personality and your decisions in the everyday mundane.

Benefits of the C smart card

  • Cash withdrawals of up to 1000 EUR per month at any ATM for no commission fee. For minors special security limits are set.
  • Transfers and instant payments unlimited number of times for free. For those aged under 18 transfers up to 500 EUR per month are available with parental permission. Instant payments are available to/from banks that have joined the instant payments system.
  • Push notifications on your phone for each purchase and incoming payment.
Apply

Useful information for children and parents

  • Special security limits for minors:
    — daily limit for cash withdrawal 200 EUR and up to 500 EUR per month;
    — transfers up to 500 EUR, if the child is under 18. In this case child will be granted certain rights in the online bank with the permission of the parents.
  • For the parents of younger children: you can monitor your child’s spending in the mobile app and online bank, and be by their side as they learn to manage their money.
  • Quickly and conveniently transfer money to your child’s account within seconds, even if your account is with another bank.
  • Both the young person and parent can block a lost or stolen card by calling 77 00 000.
  • Change the PIN code even if you don’t remember the old one in the app, if your settings allow.

C REWARDS prizes and discounts

  • Special offers and discounts with our partners in stores, cafes and entertainment.
  • Films at Forum Cinemas with a 15% discount.
  • After registering for the C REWARDS programme collect points towards your chosen prize from a wide range of shopping, culinary and leisure prize offers
  • Every 2 Euro spent by the card user gives them 1 C REWARDS point.
More about C REWARDS

Ready to apply?

  • Citadele customers can open an account for their children in online bank - it takes only a few minutes to complete the application.
  • Aged between 7 and 18: you can only apply for C smart card with your parents in their online bank or at a Citadele branch. Child's presence is not necessary for a parent to be able to open account for the child.
  • Aged between 18 and 21: apply with a selfie via the Citadele mobile app and receive your C smart card remotely.

How to apply?

Already 18?

Aged between 18 and 21: apply with a selfie via the Citadele mobile app and receive your X smart card remotely

  • 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.
qr Scan QR-code to download the app
download Download app
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For younger than 18

Citadele customers can open an account for
their child in online bank. In other cases, we
kindly ask you to come to the branch - find out
what documents are required for account opening.

Online bank Branch
Task tool view on mobile

Task tool

Task Tool is an addition to Citadele app, empowering customers to create tasks for their family and friends. Moreover, it helps parents discuss finances with kids and lets kids try earning their first pay.

  • To use Task Tool, both the task sender and task recipient must be Citadele clients, have Citadele app installed, and have activated an option to pay to the mobile phone number. The sender must be at least 18 years old.
  • In the app go to More > Tasks and create your first task. Choose a task from the category list or create your own. Set a description, select a due date and amount of a reward. Ready? Press Send!
  • Once the task is completed, the recipient marks it as done and the sender can approve it and pay the reward.
  • Don’t want to do the task? You can also decline it.
More information

Modern contactless payments

  • Payment bracelet if you don’t want to take your card or wallet with you. It is waterproof and available in four colours: red, white, purple and black.
  • Apple Pay if you are aged 13 or over, or Google Pay and Garmin Pay, if you are aged 16 or over.
  • No need to enter a PIN code for payments up to 50 EUR.
  • The payment sticker for children and youth under 16 (including) is free of charge.
More on contactless payments

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Can sending and receiving payments to a phone number be activated on a youth C smart card?

Up to 18 years.  Payments can be made to a phone number if the C smart card user has the special regime activated in online banking. However, the young person will not be able to receive money to their phone number, as phone numbers can only be registered from the age of 18. 

From 18 young people can make payments to phone numbers, as well as receive payments to their phone number after registering it in the Citadele app. 

How do I apply for the C REWARDS prize and discount programme?

To receive C REWARDS discounts from our partners, you must notify the cashier before making the purchase that you will be paying with an C smart card. After registering at xrewards.ee, each purchase with an C smart card will earn C REWARDS points (2 Euro = 1 point ). The points you earn can be exchanged for various prizes. Discount locations and prizes can be viewed on the C REWARDS website.

What access rights are there to the mobile app?

Up to 17 years (including). If the monitoring regime has been selected for the online bank, then both the child and parent (or guardian) can use the app to see account balance, the card, purchases and С REWARDS points. If the special regime has been selected for the online bank, the young person will be able to use the app to make transfers, activate the card, change the PIN code, and block and unblock cards. 

Young people over the age of 18. All operations are available in the mobile app: money transfers, card activation, blocking or unblocking cards, and PIN code changes.
 

How do I apply for an C smart card, what documents are required?

Citadele customers can open an account for their children in the Online Bank by selecting Correspondence with Bank → Open C smart bundle for minor.

Up to 17 years (including) - if your parents are not Citadele clients, ask one of your parents to come to the branch. Remember, there's no need for the child to be present in branch!
Remember to bring: the parent´s or guardian’s passport / ID card, the child’s birth certificate or the child’s passport / ID card ( mandatory from the age of 15). Guardian also has to bring the decision of the Orphan's Court granting custody or guardianship certificate issued by the Orphan's Court.

Aged between 18 and 21 - apply with a selfie via the Citadele mobile app and receive your C smart card remotely.

How quickly can I receive my C smart card?

When you apply for an C smart card, you will receive your card by mail within one week. 
This will consist of two letters: we will first send your С smart card before sending your PIN code a few days later.

More questions
Can sending and receiving payments to a phone number be activated on a youth C smart card?

Up to 18 years.  Payments can be made to a phone number if the C smart card user has the special regime activated in online banking. However, the young person will not be able to receive money to their phone number, as phone numbers can only be registered from the age of 18. 

From 18 young people can make payments to phone numbers, as well as receive payments to their phone number after registering it in the Citadele app. 

How do I apply for the C REWARDS prize and discount programme?

To receive C REWARDS discounts from our partners, you must notify the cashier before making the purchase that you will be paying with an C smart card. After registering at xrewards.ee, each purchase with an C smart card will earn C REWARDS points (2 Euro = 1 point ). The points you earn can be exchanged for various prizes. Discount locations and prizes can be viewed on the C REWARDS website.

What access rights are there to the mobile app?

Up to 17 years (including). If the monitoring regime has been selected for the online bank, then both the child and parent (or guardian) can use the app to see account balance, the card, purchases and С REWARDS points. If the special regime has been selected for the online bank, the young person will be able to use the app to make transfers, activate the card, change the PIN code, and block and unblock cards. 

Young people over the age of 18. All operations are available in the mobile app: money transfers, card activation, blocking or unblocking cards, and PIN code changes.
 

How do I apply for an C smart card, what documents are required?

Citadele customers can open an account for their children in the Online Bank by selecting Correspondence with Bank → Open C smart bundle for minor.

Up to 17 years (including) - if your parents are not Citadele clients, ask one of your parents to come to the branch. Remember, there's no need for the child to be present in branch!
Remember to bring: the parent´s or guardian’s passport / ID card, the child’s birth certificate or the child’s passport / ID card ( mandatory from the age of 15). Guardian also has to bring the decision of the Orphan's Court granting custody or guardianship certificate issued by the Orphan's Court.

Aged between 18 and 21 - apply with a selfie via the Citadele mobile app and receive your C smart card remotely.

How quickly can I receive my C smart card?

When you apply for an C smart card, you will receive your card by mail within one week. 
This will consist of two letters: we will first send your С smart card before sending your PIN code a few days later.

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