Current: The Future of Banking 4+

Save, spend & get paid faster‪¹‬

Finco Services, Inc.

    • Free

iPhone Screenshots


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.


GET PAID: Payday comes up to 2 days faster with direct deposit.¹

SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.²   

SAVE: Earn up to 4.00% APY³ on your savings with Pods when you receive and maintain a qualifying direct deposit. 

GET REWARDED: Get up to 7x the points and cash back on swipes.⁴

INVEST: Buy and sell crypto with zero trading fees.

SPEND: Get a sleek Current card⁵, spending notifications and insights, and instant money transfers with Current Pay.⁶

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. 


SAVE: Savings Pods teach teens to set savings goals.

SPEND: Get instant money transfers⁶ 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. 

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 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.
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 The Annual Percentage Yield ("APY") for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 18, 2023. Qualifying direct deposit of more than $200 required for 4.00% APY. 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.
⁴ Teen accounts do not earn points
⁵ Banking services provided by and 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.
⁶ It is possible that technical issues may cause delays, but this is not to be expected.

Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. All forms of investments carry risks, including the possible loss of principal. Cryptocurrency is not subject to FDIC or SIPC coverage.

What’s New

Version 6.7.1

You work hard for your money, we make sure our app is working hard for you. We're constantly improving the Current app fixing bugs and making performance updates to make sure it's fast, easy, and seamless to use.

Ratings and Reviews

4.7 out of 5
138.3K Ratings

138.3K Ratings

CbabyBhadf ,

It’s really 0 stars for me

I’m only putting five stars because I can’t give 0 and people need to see this. Thought I’d try it out even though I was skeptical about it. I’ve been getting paid by my job 2 days prior ever since I switched to Dave and Albert. However, I wanted to try Current out. My job makes it very easy for its employees to switch accounts and add accounts whenever we want too, so last week I got my first check through Current while having a basic account I could see that on my normal payday of Tuesday the check was pending and it was released the next day, well this week I had a premium account which they actually do promise to deliver your check 2 days before your actual payday. Well yesterday I waited all day for my check to show up in the account, I mean there isn’t a check pending or anything. I’ve talked to 3 customer service representatives 2 had very bad attitudes because I had the most basic of questions and because once I found out that being a premium account holder sucked because you don’t get your check any earlier, I asked to go back to basic because premium cost 4.99/ mos. I’m probably just over the top and I don’t care because I don’t play about my money, so if you promise 2 days in advance you should deliver that. I’m going back to Dave because my savings accounts got paid yesterday. Just don’t do this to yourself you guys, if your use to getting paid 2 days before your actual payday just don’t do Current.

Developer Response ,

Hi there, we really appreciate you taking the time to share your experience. We’re always trying to improve our product and your feedback is crucial to doing that. The good news is we no longer charge a monthly fee! This means you can now access all our premium features at no extra cost. Faster direct deposit is one of those, so we’re sorry about the hold-up on your paycheck. While our goal is to get you paid as quickly as possible there are unfortunately sometimes delays we can’t control. We know this can have a huge impact on our members’ lives, so please email us at so we can make sure we’re doing everything we can to help.

Oddomission ,

Much Better Banking Experience

I’m so glad that I came across Current in November last year. I had just closed my BofA account after being fed up with their mercilessness and greed. For example, I would get slammed with $35 overdrafts and customer service never cared if it was because I had lost my income during the lockdown or if my overdraft was .28 cents below. They took that money like their lives depended on it (talking about one of the largest banks out there). Then they started tacking on an unreasonable $12/month “maintenance fee” after I got a job where direct deposit wasn’t an option. After losing $60 to these fees, I switched to Current and it’s been great.

I also appreciate their check deposit feature and how quick it was to set things up. I tried Venmo before and verification never worked despite having valid ID. And customer service would tell me to call an outside company who would then tell me to contact Venmo CS. I got fed up after not being given an answer for a week.

Current isn’t perfect however. Check deposits can take up to a week and the estimated date that the funds will be available isn’t accurate, but at least deposits take less time the more you use the function and customer service actually responds within minutes instead of days to your questions.

Jul1vn_02 ,

Best bank ever !

I have been using Current since August 2020, and it has really been the best experience, I started with my account first, then my wife was interested and she created her account, then we created a children's account for our 3 children, an account for each one, and it has made it much easier for us to manage money. The most I like is that it can be a Saturday at 3 am and you make a purchase, Current withdraws that money instantly, not like regular banks, where you use the money on a weekend, they wait until Monday to reflect the transaction and then they charge you fees because you used a little more than you had, but that's not the case with this bank, plus I received my work payments every Wednesday from 6am to 8am maximum. It sounds too perfect to be true, but it is not perfect because there is only one thing that I would like to see changed, and that is the amount you can withdraw at the ATM, I am a person who spends my time buying and selling cars, and once I had I had to withdraw $4,000 to be able to buy a vehicle and I lost the purchase of that vehicle because I can't withdraw the amount I needed at that moment, so for now I keep the money from negotiating vehicles out of the account.

App Privacy

The developer, Finco Services, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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