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Current mobile banking app review

Mobile banking account that moves at your pace

Reviews 5,273
Current
Visit Site
Current
Current
Excellent
Reviews 5,273
Katy Ward
Nov. 15, 2022
2 min read
Katy Ward
Current Summary
New York-based Current is a financial services company offering a mobile banking app and a Visa debit card. Adult customers can choose a free Basic account or fee-paying Premium account, while Current also offers a specialized product for teenagers and their families. You can sign up in as little as 2 minutes, and your funds will be insured for up to $250,000 under the federally backed FDIC scheme.

Pros

  • Ability to get your paycheck early
  • No overdraft or hidden fees
  • No minimum balance requirement

Cons

  • Checkbooks and paper checks not available
  • No physical branches

Current at a glance

8.0
Editorial score

Fees?

Most products are fee free
8.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
10.0

Customer service

24/7 service with multiple communication options, dedicated fraud team
10.0

Online experience

No online banking
2.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits
10.0

Current Current Visit Current

Advantages Over Traditional Banks

With a focus on digital financial management, Current offers a number of real-time features that would not be available with brick-and-mortar banks. Through Current’s excellent mobile app, you can sign up for an account in less than 2 minutes, instantly send and receive money to other Current members, and make contactless payments via Apple Pay or Google Pay.


Cutting-Edge Banking Services 

Current is a financial tech company and not a bank, with a focus on flexibility and innovation. If you open an account with Current, you can:

  • Add checks to your account through your phone’s camera 
  • Add cash to your account at more than 60,000 stores nationwide
  • Save money by automatically rounding your purchases up to the nearest dollar and setting the difference aside 
  • No limit on direct deposits (Premium accounts only)

 If you opt for a Teen account, your child will receive their own debit card, while the app’s parental control features enable you to monitor your teenager’s finances through:

  • Instant spending notifications
  • Merchant-blocking functions
  • Spending limits
  • Automated allowance payments
  • Instant transfers to your child’s account

Traditional Banking Services 

Although Current is a banking app, rather than a bank, it does provide some of the more attractive features associated with conventional banks, including:

  • Access to fee-free withdrawals at more than 40,000 ATMs in the US, thanks to its Allpoint network membership
  • Cashback on purchases at more than 14,000 participating retailers nationwide
  • Overdraft up to $100 without overdraft fees


Current Interest: Any member who signs up for a Current Personal Account can get 4.00% Annual Percentage Yield “APY” on up to a total of $6,000 from Current simply by adding money to their Savings Pods and enabling the Interest feature. Members can seamlessly transfer money between Savings Pods and their spending balance and interest accumulates daily.

If you open an account with Current, you will pay the following fees:

FeeAmount
Monthly maintenance
  • Basic account: fee-free
  • Premium account: $4.99 per month
  • Teen account: $36 per teen per year
Minimum balance$0
Bank transfer$0
ATM
  • Allpoint network: $0
  • Out-of-network: $2.50
  • International: $3
Cash deposit$3.50
International purchases3% of transaction amount

Customer Service and Online Experience

You can contact the company via phone, email, in-app chat, chatbot, or social media. Its support team is available 24/7 via live chat in the app and email.

As you would expect from an app-based solution, Current’s online experience is sleek and intuitive. When we tested the site, we easily found all the information we needed and were also impressed by the prompt and polite response we received from its customer service team when we posed as a potential customer.

T: (888) 851-1172

E: support@current.com

Mobile App 

Should you open an account with Current, you can download the app via Google Play or the App Store. The app allows you to:

  • receive real-time notifications 
  • find fee-free ATMs in its network
  • find retailers participating in reward schemes

Watch this video to learn more about Current’s app and the services it offers.

Security

If you’re concerned about cybersecurity, Current offers a number of features designed to keep your money (and your data) safe, which include:

  • EMV chips to prevent card skimming
  • The ability to pause/resume transactions
  • Secure connections for transferring funds
  • Fingerprint/face ID lock
  • A dedicated fraud team
  • FDIC insurance on funds of up to $250,000 through its issuing bank, Choice Financial Group

Summary

If you're comfortable managing your finances via an app, Current's suite of features can enable you to budget more effectively and even save money. The teenage banking feature also gives you the freedom to manage almost every aspect of your family’s finances through a single solution. Current's live chat staff are available 24/7 through the app and provide a fast, efficient service.

Methodology

This review was compiled using information from the Current website and its social media profile.

Current Current Visit Current

Katy Ward
Written by
Katy Ward
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She enjoys identifying complex financial trends that make for interesting article topics.
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Trustpilot reviews
See what some customers are saying about Current
Current
Excellent
Reviews 5,273
on
Excellent
69%
Great
8%
Average
5%
Poor
3%
Bad
15%
J
justin davenport
7 hours ago
Great job
It was a great job all together.
H
heather w
13 hours ago
Everything
Everything
K
km
14 hours ago
So easy
Easy. To the point.
c
customer
16 hours ago
Good company
Good company
c
customer
17 hours ago
Very helpful when it comes to concerns…
Very helpful when it comes to concerns situations
M
michelle lopez
18 hours ago
I haven’t used it that long but so far…
I haven’t used it that long but so far I can’t complain..
A
atgx
18 hours ago
Hands down best online bank!
Hands down best online bank! Can actually block vendors from charging you.
T
taylor. j
18 hours ago
My Pluses & Minuses about Current.
The things I really like about Current after being with them for around 2 years now. I do receive my paycheck every single Wednesday night instead of waiting until Friday like I used to. I have set up a card for my wife and my teenage son, making it a breeze to send and receive money. I am also able to track and see what my son is buying and using his card for. The fee free overdraft is nice if it is ever needed, however they do make it seem like you get a $200.00 overdraft limit and that is not true. You first have to gain trust and have multiple direct deposits before being offered overdraft coverage "understandable". I started with $25.00 and now 2 years later having every single paycheck on a weekly basis direct deposited into this account. I am only allowed to overdraft $75.00 after all of this time and my weekly paychecks are just under 1K, so plenty of money to have that $75.00 increased. They say its reviewed overtime but I don't think anyone really ever reviews that or considers raising your allowable overdraft unless you maybe bring it up yourself to customer service. That is just my opinion anyways, I don't depend on that or have ever needed it. However, it is a nice feature if something last minute or emergency ever came up. The other thing I'm not a huge fan of is depositing money. Finding a place to complete this is a breeze, CVS, Dollar stores, etc. However you can only deposit $500 a day, so if you cash a larger check that's a lot of cash you have to walk around with and slowly deposit into you account since you can only deposit one time a day. Current does not accept Wire Transfers, my jobs payment system was messed up once this year and they had to wire everyone their paychecks. I was not able to receive mine direct deposit/Wire transfer because of this and had to get a check cashed, which took multiple days to deposit into my account at $500.00 a day. Current does offer points for certain vendors and this feature can be used for cash back. I will say when I first started using Current they had vendors like RaceTrac, Shell, & other stores I used and spent money with regularly. I loved racking up point and being able to cash them in. In the first year I was able to collect probably $100.00 in rewards. However, after the first year the vendors they offer now are either stores I have never heard of or wouldn't ever really shop with. This was and is disappointing now, because I did really like that feature at first. Hopefully or maybe at some point those places will be available again to collect points from. But who knows maybe the stores and places they offer points for currently might be perfect for you, they do change periodically. Not every bank is perfect and everyone has pluses and minuses about them. Another thing to consider is that if ever applying for a loan or credit card. A lot of institutions do not give great looks when you don't use a larger trusted bank to receive your paychecks. I have been denied before and the suggestion from the loan company was for me to open a new account with a more reputable bank institution. Not sure if that would have approved my loan, or if what they said was even true but its not the first time ive heard that before. Other than the things I have mentioned, Currents customer service is top notch. Great notifications, the app is super easy to use and all of your info is available at anytime. 4%apy in savings accounts certainly adds up over time. The new credit card they offer that uses the funds only available in your debit account. I use this card as much as possible and have already seen my credit score go up in the last 3-4 months from using it. Current is a very family friendly mobile banking system, I would recommend this to anyone with kids or even as a secondary account for savings or spending money. Even the complaints or things that seem to inconvenience me or didn't work the best for me at those times. I always was able to figure out a solution and they certainly weren't anything that would make me want to stop using Current. Just do some research and if you believe this works for you, then I highly recommend you giving them a try.
c
customer
19 hours ago
They cool 😎 I like it so far
They cool 😎 I like it so far
M
michael lamas
19 hours ago
Great experience
Great experience, easy to use interface
E
eddie ortiz
20 hours ago
I love how this banking system works
I love how this banking system works
c
customer
20 hours ago
Great Service
No hassle banking what could be better!
s
shaneikayahoo.com
20 hours ago
I love my current card
I love my current card. The only thing I would recommend is raising the limits of withdrawals per day especially during tax season.
c
customer
20 hours ago
They are very good to They customers
They are very good to They customers
M
marshetia wilson
20 hours ago
I love it so much
I love it so much
K
kennard jackson
a day ago
'm happy with the phone and the deal I…
'm happy with the phone and the deal I got from the company. I wanted a good smartphone that did the basics, and the site recommended one that ticked all the boxes. Speaking with the service team helped me get exactly what I was looking for. The only reason not to give 5 stars is the fact that I had to separately claim for the offered cash back deal, rather than it being automatic, and this info wasn't stated anywhere.
J
joshua pack
a day ago
Great app jus thought the overdraft…
Great app jus thought the overdraft would be a little more than 25 $
F
franklin blankenship
a day ago
I like the credit building feature so…
I like the credit building feature so far. However I did not receive my sign up bonus.
J
jason louis
2 days ago
Good
No complaints
c
customer
2 days ago
Customer service is 100/100
Customer service is 100/100
c
customer
2 days ago
Had for about two years been awesome
Had for about two years been awesome
A
alexander cortez
2 days ago
Recommend Banking Services
I may be broke but this app and it’s new credit system makes me want build credit when I get my life together.
c
customer
2 days ago
I had made a commitment to pay…
I had made a commitment to pay something and I was able to keep my word.
c
customer
2 days ago
Great job guys
Great job guys. Way to go
c
customer
2 days ago
Could not help me with what I wanted…
Could not help me with what I wanted instead just passed it on to another “ dedicated team” that will email me in the next couple days when I’m up a damn creek without a paddle now
c
customer
2 days ago
you gave me overdraft fee
you gave me overdraft fee
c
customer
2 days ago
Great also correct with everything
Great also correct with everything
c
customer
2 days ago
I’ve been a user for 3 years and it a…
I’ve been a user for 3 years and its a great app and I’m glad y’all are doing credit now the one thing is bring back points at gas pump! l was getting most of my points that way!
Y
yaketta collins
2 days ago
Having my paychecks on time and helping…
Having my paychecks on time and helping build my credit I am a very happpy customer been with current for 3 years and I love it
P
precious
2 days ago
Keeping my money safe
Keeping my money safe
B
bennie smith
2 days ago
Awesome concept
Awesome concept, great service. I need to repair my credit as I hope to get a business loan, Current's system is awesome and will help me achieve a long term goal. Thanks for your help current!
J
jarrod
2 days ago
The future of banking
The future of banking
T
todd
2 days ago
Been dealing with now over 10 years if…
Been dealing with now over 10 years if I have any issues they dealt with them very quickly
D
dakota
2 days ago
Love the wide platform and options you…
Love the wide platform and options you get with current
L
loyal customer
3 days ago
So far so good thank you
So far so good thank you
T
terrell.
3 days ago
I think everything is great I get paid…
I think everything is great I get paid faster and it’s easy to move money around, and the build card has been great for my credit.
S
serena
3 days ago
I love using current
I love using current , I never have any problems with my account
P
paul
3 days ago
The company is very helpful and has…
The company is very helpful and has good credit opportunities
J
jhoan leiva
3 days ago
Easy to use for a build card
Easy to use for a build card
c
customer
3 days ago
It is good debits cras
It is good debits cras
c
customer
4 days ago
Extremely convenient and super user…
Extremely convenient and super user friendly
c
customer
4 days ago
Love current
Love current
d
derrickmckenzie
4 days ago
construction worker
I have one problem I went to ATM machine and ATM machine took my money and I had made it to spruce
C
cynthia hebert
4 days ago
I have proof of what happened with my…
I have proof of what happened with my dispute, and provided it to you. Should have goty money back that day .
C
clint mclean
4 days ago
Ease of use
I just love how easy and quickly the app is and if I do have a problem I can talk to an actual person. To fix it
c
customer
4 days ago
I like the credit building card
I like the credit building card. My credit score has gone up 100 points since signing up only a few months ago and I only use it to pay my rent .
c
customer
4 days ago
Basic
Customer service has been bad, access is hard sometimes.
D
david miller
4 days ago
This is got to be one of the worst…
This is got to be one of the worst banks I've ever had to deal with I've been with it for almost 4 years when they started out with the overdrive free overdraft there were no stipulations I have several screenshots where it says if you make over 500 a month direct deposit you automatically get the $200 overdrive I'm still at 100 it's ridiculous I make $1,300 a month I should be allowed to have the $200 over
F
frank
4 days ago
Current is the way to go!
Current is the way to go!
N
nafisa caldwell
4 days ago
I love it it’s different from anything…
I love it it’s different from anything else I used before
L
laketia jones leketia gregory
4 days ago
They listen 👂 and help
They listen 👂 and help , current investigate , fix situation. Protect my money I hope
T
tasha
4 days ago
I love this card has definitely helped…
I love this card has definitely helped improve my credit score
consumer-image
cheryl white perkins
5 days ago
I like early direct deposit
I like early direct deposit, I don't have no problem with my money
c
customer
5 days ago
Really easy to use and even Mr beast…
Really easy to use and even Mr beast said it was good so
c
customer
5 days ago
No fee overdrafts
No fee overdrafts. Help me in my time of need.
c
customer
5 days ago
Good service
Good service. Helpful banking options!
c
customer
5 days ago
It was fast free and very easy to do
It was fast free and very easy to do
c
customer
5 days ago
Good
Grate love the app have no real problems great app to have everyone should have this
c
customer
6 days ago
Love this card!
Love this card!
consumer-image
yoyo
5 days ago
The worst dispute team ever. Bias and accusatory.
Cant say I'm a big fan. My cards were stolen and used by someone and Current says i funded the transaction. Refused to reimburse my fraudulently used money and were very rude about it. I lost a car behind this. Was not able to keep my payment made. I went round and round with them. Tried to get information from the companies my cards were used at and prove it had nothing to do with me which is what they asked me to do (both companys told me i needed to deal with my bank and tell them it was fraud like any other normal bank would have you do not deal with the store. Im not a detective) and they still kept my money or at least it wasnt rrefunded to me. I had other cards that were in this whole fiasco, my Venmo as well as my Cashapp. Luckily they both stand behind their customer and refunded the unauthorized transactions but Current.....you should be ashesmed of yourself the way you treated me. Blaming me the way you did. How tactless and money hungry can your company be? And Oscar A. Is the worst. Very rude, he could care less, requested specific tasks of me which i did (provide proof i contacted each merchant) but he still would not help me or refund my money. He was very abrupt, close minded and convinced himself i did this to my own account. UPDATE...... you say you take Brad very seriously and that your team goes above and beyond to do whatever it is they need to do to investigate the dispute that people bring forth however you fail to acknowledge the fact that you tell someone to do certain things in order to resolve the issue and when they do you don't follow through on your end and you still want more and when that's done you still want more and you just won't open the claim and fix the problem you just want to keep blaming someone because that's the easy route you know dang well I didn't do that to my own account yet you won't give me my money back and I think that's fraudulent if you want to know what I think. I think your company is very very biased and very very rude and very very unprofessional and you don't take it very seriously you just do it because can no one else can change what you what you say or do or anything so therefore they're stuck in the position of having to just let you say what you want to say and let it in the way you wanted to end and I think that's total crap. My other two banks that were affected didn't hesitate to fix the problem when they saw the problem as it arose and I I did the best I could to you even though that's not standard procedure with any other bank but yet I did it for you and that still wasn't enough I even offered to do a police report so I think you're I think you're asking way too much doing way too much and I don't like your company
c
customer
7 days ago
Got a different number due to my…
Got a different number due to my identity getting taken and even filed a dispute with y’all which y’all denied. I haven’t had access to my account in forever
D
dylan
8 days ago
Good customer service support
Customer service is extremely excellent
J
jaysin espada
8 days ago
Great app great services love the user…
Great app great services love the user interface and quality of ease to the settings
J
jordyn crane
8 days ago
Wonderful so far
Wonderful so far
c
customer
9 days ago
The best part was how quickly the…
The best part was how quickly the transfer was completed.
J
jose g
9 days ago
It's okay I guess
No matter what I say you're not going to do it
n
nuah
9 days ago
Current works !
You guys help me when someone was trying to Rob my account!!
S
shane
9 days ago
Current took my money
Current took my money. For 8 months it looks like I have a account with my money but Current won't let me use it and they won't send it back to my original account with USAA. They also aren't paying any interest and only have chat robot support.
c
customer
9 days ago
Hi love the bank
Hi love that I can overdraft
U
unteuna
10 days ago
Current closed my account
Current closed my account, and everyone’s current account around me. After I spoke with a representative about using current for my small business with cartooning, days later they closed my account, and stated that I had fraudulent activity. When I didn’t, I had direct deposit going to card through my employer, and also getting paid for my services on painting people. Current decided to close out everyone’s account that sent me funds and my job had to mail my last check. After about 45 min on the phone, the representative had an attitude with me because they had no reason to close all our current accounts. But hey i guess it was too many black people in one spot making money for hard work…
A
anthony hayes
10 days ago
Current
Current is simple and easy to use. Additionally, the Current app provides user friendly features. By far, Current is one of the best financial technology companies.
c
customer
10 days ago
Don't like fees
Don't like fees
c
customer
10 days ago
Super convenient
Super convenient. Like the immediate email notification of my purchase
c
customer
10 days ago
Early Pay Day
Early Pay Day
c
customer
10 days ago
My over draft I loveeee it!!!
My over draft I loveeee it!!!
c
customer
10 days ago
Everything is great
Everything is great. I have no discrepancies service and all.
M
megasteinn
10 days ago
Current has been amazing
Current has been amazing. They get me my paycheck sooner, overdraft protection, and now even paycheck advance! They offer points for cash back in a rewards system, and their app is nothing short of informative for my finances!
c
customer
10 days ago
I like it very much
I brandy love my card
c
customer
10 days ago
Nice and fair bank
Nice and fair bank
c
customer
10 days ago
I am new to current
I am new to current, and I am enjoying them so far
K
kee
10 days ago
Current is the best
It’s great!
E
elise
10 days ago
It’s really not the best bank
It’s really not the best bank. I had an issue where I had to get a paper check and I couldn’t deposit through the app because it was over $2,000. That was extremely frustrating. I also couldn’t receive a bank transfer because that’s not an accepted funding source. That was also very frustrating. Once I find a new bank that i’m happy with. I’ll be leaving Current!
c
customer
10 days ago
Absolutely love the service
Absolutely love the service! Also really like the credit building help once I had direct deposit. I hope it works as stated! I need credit history and am looking forward to good credit!
Y
yuvonn u
11 days ago
Easy for teens & parents
Easy for teens & parents
C
cathy viets
11 days ago
I am pleased that my earnings are…
I am pleased that my earnings are accepted as a deposit. It is upsetting that a transfer from my checking account with Woodforest takes 5 days to appear.
consumer-image
raeanne brantley gould
11 days ago
Was easy and quick
Was easy and quick
c
customer
11 days ago
Easy to use and very helpful
Easy to use and very helpful
consumer-image
jerrald elliott
12 days ago
The customer service is very helpful…
The customer service is very helpful and polite.
c
customer
12 days ago
Just to be able to use the card…
Just to be able to use the card sometimes when you don't have enough money to cover transactions with no hassle in between
A
antonio. y
12 days ago
Most reliable checking account
Most reliable checking account I've used. Great customer service.
c
customer
12 days ago
taking so long to receive new card ..
taking so long to receive new card ..
E
edna young
12 days ago
Everything always goes through without…
Everything always goes through without issue when I did have an issue and reported fraud it was taken care of immediately
consumer-image
jolynn may
12 days ago
Being able to access my money anywhere
Being able to access my money anywhere
F
francisco aponte
12 days ago
Hi Current Support Team -
Hi Current Support Team - I noticed several fees on my Current account that I would like to ask for a refund on. I have been a loyal customer of Current and hope to continue, but these fees are becoming really frustrating.... Especially when there are now so many fee-free banks and it’s been such a tough year! Can I get a refund on the $12.50 from my transactions below? • Out-of-Network ATM Fee - 11/20/2023 - $2.5 • Out-of-Network ATM Fee - 10/12/2023 - $2.5 • Out-of-Network ATM Fee - 08/16/2023 - $2.5 • Out-of-Network ATM Fee - 07/27/2023 - $2.5 • Out-of-Network ATM Fee - 07/26/2023 - $2.5 Thanks a ton, Francisco
c
customer
14 days ago
I just have had an amazing experience…
I just have had an amazing experience with current
M
mike
15 days ago
Love current
Love current
A
angela davis
15 days ago
They need instant deposits
The app is great but you can't do instant cash outs like on cash app. If you guys get instant cash outs this all would be perfect. Great features in the app
c
customer devy
15 days ago
Great banking and incentives
Great banking and incentives
L
liko
15 days ago
Very good bank
Very good bank
K
kelise
15 days ago
I love how yall handle card and money…
I love how yall handle card and money things very seriously no matter what