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!

F**king miserable Ever since I signed up with Denizen, things have been a mess. Things have never properly worked on the app, it's really a bad design and totally unreliable. I've had trouble linking banks, sending money, and I recently tried to pay my credit card with this bank and it was returned twice resulting in big fees and an accidental carried balance. The customer service is not good either, people are nice enough but they seem to have no idea what's going on. I was really hoping this would work because banking between the US and Germany sucks, but I guess I'll have to try something else. I know it's tempting because they have no fees but do yourself a favor and just AVOID AT ALL COSTS.

Waste of time Waste of time! Just got notified they are closing services in the Greek market. Denizen had been operating well for the last six months after a horrible launch period where transfer functions would operate normally then vanish inexplicably for months. Overall not worth it... It's a risk you take with any Fintech start up and the come on will usually far exceed what can be delivered for any sustained period without constant minor changes, usually fee increases. Bottom line: Just don't expect anything good to last...

DON'T OPEN AN ACCOUNT WITH DENIZEN DON'T OPEN AN ACCOUNT WITH DENIZEN I'm not happy with denizen. I have no reply at my last 2 e-mails 5 days now! No answer when i call (us number or spanish number) I have only sepa account with wirecard no us account I don't no where is my denizen card no tracking number Is not possible to make transfer from denizen to any bank. I'm disapointed. (Update) Beware of Denizen they will block you when you write a bad comment on Facebook. 18 days and still no card, no usa account, it does not respond to e-mails correctly. I am waiting for the refund of my money and the closing of my account Denizen.

Great I'm sorry to read negative reviews but the experiences often vary from person to person and from different situations, I'm totally satisfied with the services offered by Denizen and I think that at the moment is the best solution for those traveling especially outside U.E. and often uses currency other than the euro. I am a Founding Member and Denizen in addition to a change for me correct refund the various commissions that the banks apply during withdrawals. A few months ago, as someone remembered, has reclaimed 80 euros as a gift to have used the card, honestly I've never seen such a thing ...