Javier Fernández Cordera, Cfa

We are a company founded by expats, inspired to create the first premier global banking experience by the excessive amounts of time and money lost to outdated international banking standards. Before Denizen, living or working abroad required juggling bank accounts, paying loads of fees, and planning weeks in advance for the simplest of financial transactions. We knew it didn’t have to be this way, and decided to act. We created Denizen because living between multiple countries is complicated, but managing your finances doesn’t have to be. Denizen eliminates the stress, hassle and fees of managing bank accounts across borders. By providing our customers with one unified account and a global ATM card, we make it fast, easy and affordable to get a quick snapshot of your finances and manage money internationally so that you can get back to living an amazing life. Denizen is based in San Francisco, California and Madrid, Spain. We’re supported by advisors with countless years of industry experience and by one of the world’s most respected financial institutions, BBVA. Together, we are working to craft creative solutions for our customers. For now, we’re in a limited beta, meaning only select expats with bank accounts in Spain and the U.S. can open a Denizen account. But we anticipate adding more countries and additional beta users later this year and early next, with a full launch to come later in 2018. We look forward to welcoming you to the Denizen family.

Muno es una nueva forma de hacer seguros: transparentes, participativos y solo para autónomos. Queremos volver al origen de los seguros, cuando eran de la gente, que se unían para protegerse entre ellos. Queremos aprovechar el poder de la tecnología. Para que todo el mundo pueda unirse a Muno esté donde esté. Creemos que la creatividad y los seguros pueden encontrarse. Por eso la usamos en todo lo que hacemos, desde para crear seguros, hasta para encontrar maneras de hacer las cosas sencillas.

At BBVA we are leading the transformation of banking worldwide, united in pursuing our goal of bringing the age of opportunity to everyone. Firmly focused on the future, our on-going digital transformation is already producing disruptive innovations that power our vision of banking. Every one of our 121,486 employees, from branch staff to senior leaders, plays an essential role in giving our 71.5 million customers the cutting edge banking solutions that they deserve. Building on 166 years of history we know the importance of constant development, which is why we place so much confidence in the collaborative working environment that enables our people to grow and excel. If you would like to learn about the culture and opportunities on offer at a company that is leading the way for 21st century banking, head to the ‘Life’ tab to find out more.

We are a company founded by expats, inspired to create the first premier global banking experience by the excessive amounts of time and money lost to outdated international banking standards. Before Denizen, living or working abroad required juggling bank accounts, paying loads of fees, and planning weeks in advance for the simplest of financial transactions. We knew it didn’t have to be this way, and decided to act. We created Denizen because living between multiple countries is complicated, but managing your finances doesn’t have to be. Denizen eliminates the stress, hassle and fees of managing bank accounts across borders. By providing our customers with one unified account and a global ATM card, we make it fast, easy and affordable to get a quick snapshot of your finances and manage money internationally so that you can get back to living an amazing life. Denizen is based in San Francisco, California and Madrid, Spain. We’re supported by advisors with countless years of industry experience and by one of the world’s most respected financial institutions, BBVA. Together, we are working to craft creative solutions for our customers. For now, we’re in a limited beta, meaning only select expats with bank accounts in Spain and the U.S. can open a Denizen account. But we anticipate adding more countries and additional beta users later this year and early next, with a full launch to come later in 2018. We look forward to welcoming you to the Denizen family.

Muno es una nueva forma de hacer seguros: transparentes, participativos y solo para autónomos. Queremos volver al origen de los seguros, cuando eran de la gente, que se unían para protegerse entre ellos. Queremos aprovechar el poder de la tecnología. Para que todo el mundo pueda unirse a Muno esté donde esté. Creemos que la creatividad y los seguros pueden encontrarse. Por eso la usamos en todo lo que hacemos, desde para crear seguros, hasta para encontrar maneras de hacer las cosas sencillas.