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!

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.

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.

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

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.