They're Closing Down The service in the U.S. basically operated as a prepaid debit card with ACH functionality. Nothing fancy. Euro support is not supported unless you can provide a verified address in the EU/EEA. I did get notified a couple weeks ago that they're shutting down on December 17, 2019. I have until then to use and/or transfer out my balance or they'll write me a check for what is left in the account.

Untrustworthy Denizen made big promises, but after signing up and using their banking service for several months, they send a notice saying that my account would be closed and my card revoked, because they are withdrawing their service in the Irish market. Doesn't just make them appear untrustworthy, but also fintech as a whole.

Great account to have Great account to have, especially for international travelers. Very easy to use and truly the first product of its kind.

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.

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.