Bank beyond borders with Denizen’s global account for expats. Use your money anywhere, without annoying transfers. Worldwide card with no added fees and direct local payments.

Banking does not work properly for Expats and others living abroad or working across countries and currencies. We’re a team of expats on a mission to fix it. We have built Denizen from the ground-up to solve the problems we face simply using our own money across the geographies we live in. We’re making banking borderless, faster, easier, and more transparent

Denizen is different from traditional banks and digital banking apps designed for travelers. Denizen gives you a global account (when eligible) which acts locally in both the US and EU to enable local ACH and direct debit to use for paying bills, along with a debit card with no added fees. US routing and account and EU IBAN numbers mean payments for rent, bills, and life’s other expenses in different countries are faster, and easier with Denizen’s simple mobile app. Denizen helps you bank globally with no minimum balance, no incremental fees on ATMs, transparent FX rates, and no transfer fees with linked accounts.

Use your money anywhere, without annoying transfers between your accounts. Not just a worldwide card, but local direct debit in different countries.

US routing and account and EU IBAN numbers mean local payments for rent, bills, and life’s other expenses in different jurisdictions are cheaper and easier with Denizen.

From Paris, France to Paris, Texas. Your Denizen debit card works all over the world.

Banking services in the U.S. are provided by Compass Bank, member FDIC. BBVA Compass is a trade name of Compass Bank. The Denizen Visa® Card is issued by Compass Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Banking services in EU are provided by Wirecard Bank AG, from Munich, Germany. The Denizen MasterCard® Card is issued by Wirecard Bank AG.

For product updates and the latest expat life hacks, follow us on Twitter:

We’d love to hear what you think about Denizen. Reach out to our support team

What’s New

Version 2.0.6

Performance improvements and bug fixes

Ratings and Reviews

3.7 out of 5
15 Ratings

15 Ratings

BTYE07 ,

Great new app!

I’ve been a Denizen member for almost a year now and I’ll have to admit that I wasn’t using it that much because I didn’t like the app UI that much. HOWEVER, v2.0 is a great improvement and I’m loving it. I had no issues opening the account and getting my $100 so not sure why people are complaining about that. They are a startup and are looking to improve based upon customer feedback. I’m willing to work with them to have a great global bank with no fees! Keep up the good work. Can’t wait to see what else is coming in 2019!

Jarret Levine ,

Fantastic App

I’m extremely happy with the functionality in v2.0 and I am really looking to the features coming in 2019. The only thing is the actual debit card doesn’t really differentiate itself physically. I know this is kind of a superficial thing but for a Global Account you should have the “best card” on the market. You guys should look into metal debit cards like Acorns has.

Developer Response ,

Great minds think alike Jarret...stay tuned!

JP.10 ,

Excellent idea and service

Being familiar with banking at home and abroad, I find this service solves all my banking needs by easily linking a home bank and using debit card to pay for services or withdraw an an ATM. Foreign banking fees add up and this service saves me money in many ways.


Denizen Financial, Inc.
42.6 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, 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.

You May Also Like