Hidden fees! The exchange rate is even worse than traditional banks. There's a huge difference between payments while they're pending and after they are completed. Probably some hidden fees or something...

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!

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.

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).

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.