The best way to bank as an expat - without fees!

Denizen was created solely to solve banking problems for people living abroad or working in different countries and currencies. With Denizen, you can bank beyond borders, with just one account. With Denizen, your money goes into one account and is available globally - Instantly

Benefits of Denizen:
- NO monthly FEES
- ATM Fees* – FREE
- FX Fees* – FREE
- Transfer Fees** – FREE
- Minimum balance – $0
- Free Visa in US OR MasterCard Debit Card in EU
- Awesome Mobile App

*For more details

Key Features:
-One account, no matter what country you’re in or currency
-Quick & easy signup
-Once approved, you have instant access to account numbers
including US standard ACH and International IBAN
-World class customer service team
-No exchange rates or surcharges
-Easily send and receive funds with no transfer fees

Denizen is a world class service that is ready to transform your banking needs through a seamless mobile app.

Global banking redefined.

What's New

Version 1.4.4


We need all users to validate their primary email addresses so in this new version you will see a notification on dashboard if your email is not validated and instructions to accomplish that task.

The Denizen Team

Ratings and Reviews

3.4 out of 5
84 Ratings
84 Ratings

Extremely useful for expats

I’ve been using this as my primary account while I have been working abroad. My pay from my EU employer is paid here and I am able to pay all my bills back in the US. No issues. In addition I got my $100 matching as advertised. No clue what the review about a scam and keeping your data is going on about. Was approved in 24 hours and got my physical card 5 days later. No fees on transfers or FX. And it’s still in Beta! Can’t wait for the general release! And as of today upgraded to $15,000 limit for US. And it’s FREE! Don’t understand the complaints, it’s a Beta and FREE. Rather deal with a little friction and free than pay the fees others charge! 5 stars



Beware! Keep yourself away from this scam. They use a very decent offer $100 deposit match to attract people but one they collect your data and documents they don’t approve your application. I submitted my application 3 weeks ago and I received they email that saying they don’t approve my application. And they didn’t specify the reason or not approving my application. Come me boy, I’m a guy who has a full time job with decent pay check and I have 16 credit card no bad history and I have pretty high credit record almost 800 and I have a lot of savings and investments. What a SCAM! They just want to collect your data and personal information. They may only approve very small amount of the applicants. BEWARE of data leaking!

Developer Response

Our customer support team would be happy to try and help you out. We have many happy users who enjoy using our product daily. Simply contact us at and we can further assist you.


App is useless, not sure I get it

I signed up a while ago- I want to echo the other reviews that the onboarding process is extremely slow. Nothing happened with my application for almost 2 months until I contacted them and the “expedited it”.

As far as the $100 bonus I still haven’t seen that even though they told me they’d manually credit it.

The mobile app doesn’t really have any functionality besides viewing my current balance. And it’s designed incorrectly so part of the buttons that are needed to navigate are at the very top of the screen, overlaying my iPhone battery marker and current time (I’m on iPhone X) so you can’t really click on them easily.

I only see a US account and no explanation as to how I’d get an international account/routing number so I can’t even transfer internationally.

I’m not really sure what the point of it is, but I’m writing this review so that maybe they can explain it or someone else can.


Denizen Financial, Inc.
85 MB
Requires iOS 8.0 or later. Compatible with iPhone, iPad, and iPod touch.
English, Dutch, German, Russian, Spanish
Age Rating
Rated 4+
Copyright © 2018 Denizen Financial Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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