Currence

Currence Inc.

About this app

Currence lets you spend and save smarter. Ensure you are in total control of your financial picture and put structure to your cash flow and achieve Financial Freedom Faster™.

Our proprietary “Reservoir” account captures income before it gets spent. Plus, insights into your financial health give you the opportunity to create new passive income streams that can grow your wealth faster.

Currence helps you maximize your savings and wealth

1. Get connected cash flow: Achieve better visibility and insights to your cash flow health when you connect all your accounts, plus competitive interest rates for faster returns than a traditional savings account. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC.

2. Gain complete control: Streamline cash flow management alongside a financial professional or unlock effective money management on your own.

3. Grow effortless savings: Cultivate and integrate new income streams as savings increase, amplifying opportunities to invest in the future over time.

Save first and spend later. Accumulate wealth.

Step 1: If you have a financial advisor, they can invite you to the Currence platform so you both have full visibility of your savings and spending. Currence makes this easy as your income will flow through a central account we call a Reservoir.

Step 2: Once you connect your bank account to the Currence app, watch your Reservoir organize your income and your spending, making it easy to save.

Step 3: This then creates the opportunity for you to increase wealth accumulation with smarter spending and saving choices. Flip Your Flow® with Currence to easily control your net cash flow and save more.

Financial Professionals recommend Currence because it creates transparency with clients. Gain even more confidence in recommendations from your advisor with shared cash flow visibility.

Currence is how Smart Money Flows®. Download the app today and visit us at livecurrence.com to join the movement.

Disclosure:
Currence, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [e-mail] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

There is no guarantee of accumulation and free cash flow. Non-deposit investment accounts linked to Currence are not FDIC insured and FDIC insurance does not protect you against Currence’s insolvency or bankruptcy.

Ratings and reviews

Awesome tool. I thought my money habits were on point after over 15 years of excel budgeting and cash flow planning. This leveled it up. It has allowed me to save more money than I did not know was disappearing in my checking account

EDIT AFTER 3 MONTHS: Suddenly, I have discovered that my financial health has dramatically improved. Currence works - I did not even notice as reserves pooled, opportunities rose, and I am able to take advantage of them now. I suddenly am able to operate on a better financial plane due to the app's cash flow management. Amazing, simple resource. Disciplined financial productivity in an app. Took me 8 minutes to set up fully and prepare for future months of "paying myself first".

Awesome! It takes what could be a very complicated process and greatly simplifies it. I look forward to having a current picture of my finances with me at all times and the ability tweek as needed.

What’s new

Minor improvements and bug fixes.