Happy, at last! OK. Finally it happened. I had to wait a pretty long time to see everything fixed, but they made it. Transfers work also well, both ways (bank accounts to card and vice-versa). Now i am a happy customer. For sure support still shows room for improvement but i believe it has to do with sins of youth. It works, and whatever is in my contract got respected so far.

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.

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...

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!

*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.