Highly recommended for expats and travellers I've been using Denizen in lots of countries and currencies as I travel frequently. Having compared it to most other fintech cards I always find Denizen superior for the absence of hidden fees including no ATM cash withdrawal charges. This of course refers to a founding member pricing; other memberships may vary. HIGHLY recommended for expats and travellers.

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.

good concept but bad support good system and concept until they decided to erase me because they didn't want to work with belgian people anymore. I had privileges as I was part of the first members but they didn't want me to recreate a new account under my wife's name who is american (people who can still use their cards).

A very good solution for expats! A very good solution for expats! It's a great solution for handling payments in currencies abroad, I use it to manage my freelance payments in USA and it works great. It's still on an early stage but it looks like this will become something awesome!

*Update* Bank resolved issue I really tried to give this bank a chance but they have displayed either gross incompetence or negligence and it makes me afraid to have any money with them any longer (I have tried to close my account and transfer my funds out a week ago but they still have not, despite their promise of "immediate" account closure on their website). Simply put, I noticed my account balance seemed higher than I expected back in early January. I asked Denizen why this was and to rectify it, and they just said they would "look into it and get back" to me. I followed up many times over the next few days and weeks and would not get a response. I even asked what should be a very straightforward question once of "what is my account balance?" and they would not tell me. So in February I assumed that I was being crazy and my account balance was fine. I spent down my account and added to it with seemingly no problem. Now in April I try to transfer money to fund a down payment for my house. Denizen froze my account and for weeks would not tell me why. I even call and they just say "I cannot answer, but I promise I will have my manager call you back right away with an explanation" and I would wait and receive no call or message, even after a week. I finally ask to close my account and transfer the money out, and I get a call saying OK but they just realized my account balance was wrong so they are going to deduct nearly $4,000 from my account first. Do not trust this bank if you a) value knowing how much money is in your account, b) want to trust that you have the ability to spend the money that is in your account, and/or c) want to work with an company that will respond (note: in my case, I went MONTHS without getting a response, both via email and phone) to customer service questions or requests for help. **Update: Since posting this review, the bank has provided compensation for most of the amount in question. I appreciate the bank took the issue seriously and hope they continue to improve their operations and customer service.