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.

*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.

The app is horrible and lack of… The app is horrible and lack of internet browser portal is very bad, however the fees and the way the account functions is great. They REALLY need to fire their lead developer and CIO to make some decent advances on the app side. They seem like they really don't know what they're doing for the phone app. I understand it's not easy but you guys don't look serious at all because of this crappy app that won't update external account balances and sometimes approved or denied transactions won't even show up at all until a week after contacting support. Not to mention that half the time the card won't work on the internet and some countries' ATM's. My free credit union checking account in the USA at Navy Federal only charges 1% for foreign transactions and reimburses worldwide ATM fees up to $10 a month so honestly, Denizen, your offer is NOT that phenomenal. PLEASE PLEASE PLEASE improve the app ASAP and give us an internet site for an online portal to access online banking through a web browser.

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!

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...