Current: The Future of Banking 4+

Save, spend & get paid faster‪⁴‬

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.


SAVE: Earn up to 4.00% APY¹ on Savings with Pods

SKIP THE FEES: Get fee-free overdraft protection & 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 

INVEST: Buy and sell crypto with zero trading fees.

GET REWARDED: Get up to 7x 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. 


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. 

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 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.
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 15x rate calculated using the national average of 0.22 APY, according to Bankrate’s January 4 2023 weekly survey of institutions
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.

Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. 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 5.29.1

Same app, even more features. Earn up to 4.00% APY¹ on your savings, so you can sit back, relax, and watch your money grow.

Ratings and Reviews

4.7 out of 5
133.9K Ratings

133.9K 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.

mandaxmae ,

Great Banking App 5*s

I absolutely love this banking app! It’s got so many great features that other alternatives don’t have. The great things is subscription fees are no more with this app and atms are free if you use one of the many many on their list. They have many options to help you save money and make investments as well. I love that I can manage everything from a app on my phone including blocking a certain brand or business from being able to keep charging my card, pausing my card if it’s lost or stolen, sending and Receiving money, buying or cashing out bitcoin or other virtual currency in the app and getting lots of deals when swiping or buying with your card. There’s also a option to use a virtual or throw away electronic card number when you make online purchases as well as use your virtual card if you have to order a new card due to loss or theft as well. Customer service is amazing and they have a great referral program with incentives on both the referee and the referred. Don’t even get me started on the option to have several savings pods to save up for things without worrying about spending money you want to save for something special, a bill, etc! Highly recommend!

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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