I have been a remote consultant for 2… I have been a remote consultant for 2 years now and I lose about $400 a year to bank fees. This bank/account is saving me lots of money and time. I feel much more proud and confident when I send invoices to clients. I wish this was around 5 years ago when I was an expat. Great service. They respond very quickly.

They're Closing Down The service in the U.S. basically operated as a prepaid debit card with ACH functionality. Nothing fancy. Euro support is not supported unless you can provide a verified address in the EU/EEA. I did get notified a couple weeks ago that they're shutting down on December 17, 2019. I have until then to use and/or transfer out my balance or they'll write me a check for what is left in the account.

As an American living in Spain As an American living in Spain, I have high hopes for Denizen. The promise of an easier banking experience, moving money to/from my US accounts to Euro or Spanish accounts, is one that I very much look forward to. Unfortunately, the user experience on the app is hot garbage right now. It's just super non-intuitive and moving money around is difficult. The font sizes are tiny and the data presentation is terrible. These guys have a LONG way to go if they want to improve their product.

Denizen is great, hope to use for a long time! I found denizen through a friend of mine and it has been great! They ask for you to give your passport, SSN and EU Tax ID to get the whole account setup, which took about 10 mins. After I was approved, I received my debit in about 5 days. I deposited money into my account a few days later. Took about 3 days to show up, which was the same with my other bank. I used a transfer and ATM in Spain and no fees! This company seems great! I don’t know what the other review is really talking about? To me, they told me processing applications were slow and that’s ok, they are a new company and the CEO even called me with some questions I had. I like them!

5 Stars! Simple, Fee Free, and easy to use! LOVE IT! Had absolutely no issue getting my Denizen card. I have used it for the past 2 months with 0 issues. The on-boarding DOES requires you to have a valid passport and SSN/EU Tax ID! So, if you try to establish an account and do not have one of those, you won't get an account (Which is normal for ANY bank account) * Saw a review where someone complained and I am sure that was why they couldn't get an account. Nothing worse than someone that can't follow the rules, and then makes a fuss when they can't color outside the lines. And unlike Transferwise, I have not had ANY transfer fees or FX fee's! Cash out of bank ATM's are fee free, and I can track the balance in my US, German and Spanish accounts in one app! LOVE IT!!!!!! 5 stars!