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.

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).

*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.

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...

5 Stars! Simple, Fee Free, and easy to use! LOVE IT! Had absolutely no issue getting my Denizen card. I have used it for the past 2 months with 0 issues. The on-boarding DOES requires you to have a valid passport and SSN/EU Tax ID! So, if you try to establish an account and do not have one of those, you won't get an account (Which is normal for ANY bank account) * Saw a review where someone complained and I am sure that was why they couldn't get an account. Nothing worse than someone that can't follow the rules, and then makes a fuss when they can't color outside the lines. And unlike Transferwise, I have not had ANY transfer fees or FX fee's! Cash out of bank ATM's are fee free, and I can track the balance in my US, German and Spanish accounts in one app! LOVE IT!!!!!! 5 stars!