Current: The Future of Banking

Current: The Future of Banking

By Finco Services, Inc.

  • Category: Finance
  • Release Date: 2016-04-05
  • Current Version: 5.17.0
  • Adult Rating: 4+
  • File Size: 132.43 MB
  • Developer: Finco Services, Inc.
  • Compatibility: Requires iOS 12.0 or later.
Score: 4.74221
From 120,471 Ratings


Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa debit card designed to make the most of what you’ve got. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group; Member FDIC. Join over 4 million members that trust Current & sign up today. INDIVIDUAL CURRENT ACCOUNT BENEFITS SAVE: Earn 4.00% APY¹ on Savings with Pods SKIP THE FEES: Overdraft up to $200 without overdraft fees & get fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.² GET PAID: Payday comes up to 2 days faster with direct deposit.⁴ GET REWARDED: Get up to 15x the points and cash back on swipes.⁵ SPEND: Get a sleek black Current card⁶, spending notifications and insights, and instant money transfers with Current Pay.⁷ ACCESS YOUR $$$: Get instant gas hold removals so your funds are available right away. STAY SAFE: Get privacy controls to protect your information, and block your card in the app. GET HELP: 24/7 support & chat in the app. TEEN ACCOUNT BENEFITS SAVE: Savings Pods teach teens to set savings goals.¹ SPEND: Get instant money transfers⁸ from parent to teen, spending notifications, and set automated allowance payments. BUDGET: Explore money management tools that help teens budget money. STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants. Sign up for an Individual Current Account & Teen Account for no annual fee. No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through the app. Start using your account right away when you activate your virtual debit card. ¹ The Annual Percentage Yield (“APY”) for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 1, 2022. No minimum balance required. Must have $0.01 in savings pods to earn Current Interest on up to $2000 in deposits per Savings Pod up to $6000 total. Please refer to Current Interest Terms and Conditions. ² Out-of-network and International cash withdrawal fees apply. Additional third-party fees from the ATM owner may apply. Please refer to Overdrive™ Features Terms and Conditions. Learn more at ³ 40x rate calculated using the FDIC average National Deposit Rate for savings accounts of 0.06 ⁴ Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits. ⁵ Earning rates over 1x are only available on Individual Current Accounts at participating merchants. ⁶ Banking services provided by Visa® Debit Card issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa U.S.A. Inc and can be used everywhere Visa debit cards are accepted. ⁷ It is possible that technical issues may cause delays, but this is not to be expected.



  • Love love love

    By bdates0427
    Current has been nothing short of Amazing 🥰
  • It’s time to give up on current

    By MLR102010
    I loved it at first because of the ease, but there are some MAJOR issues. Cons first: 1. I’ve gotten hacked and charged so many times. Thankfully, it tells you the charge as a notification, but with a real bank, I never got my card hacked (in the 10+ years I was there…I’ve had this for like a year and have had it hacked at least 6 times) 2. You can’t use apps like Mint, because this isn’t a real bank. 3. There’s no way to write checks. I didn’t realize how many checks I wrote until using this. 4. It’s kinda scary to deposit cash (if you have more than a couple bucks, everyone in line behind you sees you giving the cashier at your local dollar general or CVS, etc. a wad of cash), and it’s a hassle to explain it to cashiers who aren’t used to doing the deposit (which has been all of them, thus far) Pros: Good interest rate, easy to move money around to different accounts within the app, getting notifs for every transaction (LOVE this feature), and not much else.
  • hate it

    By ashleerenteria
    doesn’t accept any checks that i scan. also suspended my account after check was rejected. wish i can give no stars!
  • I do not recommend

    By Random0325
    Getting your check 2 days early might be great but having too wait 1-3 business days for your withdrawal from your current account to your bank account is definitely not the move ! I’ve been waiting days for my deposit to come through
  • Great for starting out

    By schoollayla1201
    Love the app
  • Good!!!

    By tich richy
    It is really great and I love it
  • Above Standard

    By prfectsavage
    I just received my first Deposit 3 days ago which ran smoothly and put $100 into savings which now sits at $100.03. Already seeing my savings grow less like watching paint dry is a wonderful feeling. The only issue so far is not being able to connect my existing bank at a credit union is a hassle with no easy way to transfer funds between the two. I got this to create a joint account that could be utilized between the uk and the us that my fiancé can deposit into savings as well. So far only direct deposit and savings without problems transpiring. Also, it has yet to be determined but I set a friend up with my referral code and they have received one direct deposit and the both of us have yet to receive our $50 however, it is only the first we will see know if this was a fruitful labors after he recess his next upcoming direct deposits. Otherwise, quick delivery of card and banking services along with a good looking and user-friendly app. If someone from the company could respond to me with helpful information addressing my cons on this list I would be more than happy to rethink my given rating. Have a great day everyone!
  • Trash

    By Lordfarha
    Will literally take an entire week minimum to clear a check... thus defeating the entire purpose of having money when you need it. They claim 2-5 days but it’s always 6 at best
  • I’m my own bank

    By AshawmyICE
    Best app ever
  • Current

    By Zanylama
    This is the best