I closed my account after 3 months I closed my account after 3 months. Totally unreliable; security blocks as you move between countries that take 4 or so days to unblock; unreliable ledger; slow posting of deposits; and virtually absent customer service. For a card servicing a globa community they are so far off the mark they and Compass should be embarrassed.

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!

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.

horrible experience - AVOID AT ALL COSTS horrible experience. my banking information was stolen, yet I never even used the card online. I had mulitple charges for 500 €+ NO URGENT SUPPORT LINE to report fraudulent activity. Horrible bank. Horrible Service. It's not worth the time