Current: The Future of Banking

134K reviews
Content rating
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About this app

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 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.


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.

¹The 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.
Updated on
Jul 25, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted
134K reviews
June 24, 2022
Overall It's been a pretty good experience.. Although at first it was a PITA to get the Tap to Pay feature working. Still it asks for your pin at most places (which i hate using for security reasons). Transfers with in the app are instant. I also like the versatility of the diffetent ways she amounts to save money from round up purchses to with scheduled transfers. I choae CURRENT for the POD savings.. @ 4.00% (at the time of writing) is nice just wish there was not a 2k cap.
52 people found this review helpful
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John Maclean
June 14, 2022
Absolutely terrible "current" allowed someone to transfer the app with my account info to their phone and they spent over $1,200 . When I reported it, filled a claim they did absolutely nothing! Refused to reimburse me and said there was no error!! There is also no customer service, it's all bots on a computer. Very little security in the app and will do nothing when they allow someone to access your funds. I would never recommend this bank to anyone.
185 people found this review helpful
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June 15, 2022
Hi John, we're sorry to hear this and want you to know that we take fraud very seriously. We can assure you that our Disputes Team thoroughly investigates all claims while observing federal regulations and industry standards for disputes. If you have any concerns, please contact us at
Bryan Rothrock
June 23, 2022
Love it. I previously had Regions and everytime I would overdraft it cost me $36! Even after I banked with them for over 6 years. So far only one direct deposit and I can already overdraft $25 for no cost. The card looks really cool and the app is super helpful. I can't wait to try the savings pods tonight when I get home! Current is awesome!
92 people found this review helpful
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What's new

This release includes bug fixes and small UX tweaks to make your Current experience as smooth as possible