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BestMoney.com
Current mobile banking app review
Mobile banking account that moves at your pace
Reviews 3,975
Current
Visit Site
Current
Current
Excellent
Reviews 3,975
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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See what some costumers are saying about Current
Current
Excellent
Reviews 3,975
on
Excellent
68%
Great
7%
Average
5%
Poor
3%
Bad
17%
consumer-image
tyshay jarmon smith
a day ago
Being able to check my account and balances
I've been a current customer for 7 years. It has been a great experience
K
kevin moore
a day ago
I love it best app ever hands down
I love it best app ever hands down
T
theresa
2 days ago
Great service great app
It's always been great customer service when I need understanding on something like how it's easy to have different saving pods
c
customer
2 days ago
10 out of 10 banking experience
10 out of 10 banking experience
consumer-image
customer
2 days ago
Easy and straight forward
Easy and straight forward
consumer-image
charles
2 days ago
From the point of a Google guides view
I've been with current since inception, and I encountered no issues.
J
johnnybart
2 days ago
Efficiency is #1
I have had a very good experience with current. My money has been quickly transferred and made available to my spending account with no delays ever i can count on current when the chips are down.
c
customer
2 days ago
My Experience
My experience was great just the only downfall is that my account has been in the negative for more then 30 days and even tho I have 20$ in my savings account and constantly have deposits being made to the account, so it's not like it's completely inactive. They still want to close my account in 60days regardless of account activity!!!!!
c
customer
2 days ago
Easy to use and reliable
Easy to use and reliable
M
marquise harris
2 days ago
They always take care of me and handle…
They always take care of me and handle whatever I need help with instantly
H
happiest customer
2 days ago
Simple
Simple. Get paid two days early
c
customer
2 days ago
FIX THE DANG UX DESIGN CURRENT TEAM
As a longtime user. Appreciate the convenience and features the app offers BUT NOPE. I have to express my concerns about the recent update to this visual design. The new color scheme, the purple , yellow , whatever color and overall aesthetic have me feeling haunted and confused when navigating the app. What happened Current? The choice of colors seems overwhelming and doesn't provide a seamless and intuitive user experience. The vibrant hues, while eye-catching, make it challenging to focus on essential elements and its all around , and basically... visually fatiguing over time. I understand that design updates are meant to enhance the user experience, but Current did bad on this design flow. I believe there IS room for improvement in terms of usability and clarity but Current is losing fans.. It would be immensely helpful if the app's interface could be simplified, ensuring that important information and functions are more prominently displayed and easily accessible... And let's not even talk about Current's Customer Service in Chat.
c
customer
2 days ago
Easy banking
Easy banking. 10/10 never have had any issues.
A
aysia
2 days ago
Horrible
Out of all the online banks I’ve had this is been by far the worst. I’m constantly getting money taken out of my account then it takes months for me to even receive my money back or I can’t get my money back at all…
P
parker
2 days ago
Amazing accessibility and easy to use
The 4.0% YTD interest is amazing! The crypto section of the app is even greater. Very organized and easy to access.
c
customer
2 days ago
Taking off a direct deposit won’t give…
Taking off a direct deposit won’t give overdraft is the worst
c
customer
3 days ago
Basic Banking
I could see Current being fine for someone new to banking, but the services and platform just don't match what else is out there. I have banked with an online bank for years, and they at least offer a consistent high-yield account without receiving direct deposits. They also have an online service website, whereas Current isn't available on desktop. I haven't been stoked about the bland banking experience with Current
M
mary cornett
3 days ago
They answered my questions quickly…
They answered my questions quickly never had a problem with them
c
customer
3 days ago
Current is great
Everything that current do is great they even have crypto
c
customer
3 days ago
Great bank no issues paid early
Great bank no issues paid early
c
customer
3 days ago
Early deposits great customer service…
Early deposits great customer service and perfect timing.
c
customer
3 days ago
It's really easy to use and I love…
It's really easy to use and I love everything about it down to the colors
consumer-image
ms helen williams
3 days ago
So far so good my only thing is I wish…
So far so good my only thing is I wish that you can withdraw your overdraft
c
customer
3 days ago
No human reps. Overdrive set up is useless. Changing companies very soon
I can’t ever talk to a human. I get over $4200 a month payroll but I’m only allowed $25 in overdraft when I used to get $200. I will definitely be changing my direct deposit to another company
K
kristi customer
3 days ago
So Far So Good
does everything I was hoping for and so far has given me no issues.
J
jonita cepeda
3 days ago
I love using my current card
I love using my current card
c
customer
3 days ago
Excellent service
Customer service is amazing
J
jessica
3 days ago
Everything is easy and user friendly
Everything is easy and user friendly
L
larissa gladden
3 days ago
Never fixed my problem
Never fixed my problem
c
customer
3 days ago
No fees and get paid faster than anyone…
No fees and get paid faster than anyone else
J
jessica
3 days ago
I love current
I love current! It’s the perfect card
R
ronald weinlood
3 days ago
Provided immediate service
Provided immediate service. And tackled problem
c
customer
3 days ago
My only and favorite game
My only and favorite game
A
alejandra lopez
3 days ago
I’m happy with Current bank
I’m happy with Current bank
C
cindy c.
3 days ago
I completely recommend Current Bank to…
I completely recommend Current Bank to anyone seeking a reliable and forward thinking financial experience. They’re outstanding customer service, innovative technology, competitive offerings, transparency, and financial planning make them stand out from the rest.
c
customer
3 days ago
Customer service sucks no real people
Customer service sucks no real people
J
jennifer
3 days ago
Current is supposed to have overdraft…
Current is supposed to have overdraft protection. They fail to mention if your pay roll changes they stop overdraft no matter what.
D
denise rushin
3 days ago
I love current money is always on time…
I love current money is always on time never had a issue
c
customer
3 days ago
It’s great I love it so far
It’s great I love it so far
c
customer
3 days ago
Amazing the best bank I ever used and…
Amazing the best bank I ever used and will ever use and need:)
R
rodriquez davis
3 days ago
Well I been with you guys 4 years and…
Well I been with you guys 4 years and it's been exceptional service and customer service
A
abthogwart
3 days ago
Great bank very convenient and faster…
Great bank very convenient and faster pay day!
c
customer
3 days ago
I love current
I love current. I just been building credit an growing
T
tammy
3 days ago
They help me with my account without no…
They help me with my account without no problems
N
nick lewis
3 days ago
Getting my paycheck 3 days early
Getting my paycheck 3 days early. And the no fee over draft is amazing. Plus free ATM withdrawal
M
myl m.
3 days ago
i love how that your overdraft fee gets…
i love how that your overdraft fee gets raised more & more as you constantly pay current back. Never had any problems with current i love it. Also you get paid two days earlier!!!
c
customer
3 days ago
Charge to much to take out and lil over…
Charge to much to take out and lil over draft
consumer-image
carpenter denise daphen
3 days ago
Overdrive lies
I been with current for over a year with over a thousand dollars in qualifying direct deposits a month and my overdrive limit is only $75 that’s not ok that’s why I’m currently looking for another card
P
pablo
3 days ago
Excellent
Fantastic and the are great
c
customer
3 days ago
GREAT CUSTOMER SERVICE
Current always have a representative that helps regardless of what I need help with. Very quick, patient & nice!
c
customer
3 days ago
Since I switched phone providers I'm…
Since I switched phone providers I'm not been able to use my card & I have bills
c
customer
3 days ago
Early payments
Early payments, easy account information access.
c
customer
3 days ago
With this card my money comes in 2…
With this card my money comes in 2 seconds even with cashapp I don't have to wait for my money@!! I well stick to this card because the bank Is a no for me
c
customer
3 days ago
Honestly good bank but it's time to…
Honestly good bank but it's time to work with all ATMs and get rid of the $5 fee, that's ridiculous!
C
charles mcneal
3 days ago
My deposits are always early
My deposits are always early. I have $75 of free overdraft. The app has all the info I need. Best online banking I’ve had yet!
c
customer
4 days ago
The ease of using my accounts is great!
The ease of using my accounts is great!
c
customer
4 days ago
PAID EARLY THE OVERDRAFT
PAID EARLY THE OVERDRAFT
R
richard
4 days ago
Convenient and easy to use
Convenient and easy to use
c
customer
4 days ago
Good
They are very helpful and jeeonmoney safe
c
customer
4 days ago
Great bank
Great bank, lots of reasons to use them. The overdraft protection has saved my ass more than once.
c
customer
4 days ago
Couldn't reimburse me my money that was…
Couldn't reimburse me my money that was fraud, horrible loss.
D
dagoberto vargas
4 days ago
The perks I just wish they re added the…
The perks I just wish they re added the gasoline feature again when we would earn point on pumping gas as well as having different gasoline stations as well as other ways to earn points
c
customer
4 days ago
Current is the BEST!
I love how Current works with the people and isn’t in business for making money.
c
customer
4 days ago
I hate that they charge $5 for ATM…
I hate that they charge $5 for ATM withdrawals. :-(
E
edith r
4 days ago
Very Happy
I've tried different so call banking cards. Current is one of the best very simple and efficient
T
tom oz
4 days ago
Loved it, but no longer...
I liked Current Bank when their savings pods were more than competitive with the marketplace. They were offering 4% at a time when other banks were offering significantly less. However, as savings rates have been increasing at other banks, Current never brought their's up and became less competitive. To the point that I was losing money and it made no sense to stay with them. I enjoyed their app and the ease of their crypto trading, but I will not use them until they do much better on the savings rate on the pods.
c
customer
4 days ago
I am very happy with Current
I am very happy with Current
A
ashanti
4 days ago
I have been with current since 2016 I…
I have been with current since 2016 I love them!
c
customer
4 days ago
The app said I received my direct…
The app said I received my direct deposit but my money isn’t reflecting
c
customer
4 days ago
I love this company it meets all my…
I love this company it meets all my needs
c
customer
4 days ago
Current is a great company/ Kathryn Bare
Current is a great company
K
kiaaa
4 days ago
I love current I just hate that you…
I love current I just hate that you guys took my over draft away I loved having it sometimes people lose their jobs and have to get another one it’s like starting all the way over which sucks but other than that greattt
c
customer
4 days ago
Love this app and this company
Current is the best banking app out there. It's so easy to use, it's pretty, and they're constantly trying to improve the user experience with new products. I hope to see them grow and offer even more options!
consumer-image
crystal chesney-thompson
4 days ago
I really like the design of the app and…
I really like the design of the app and the way the savings pods work. I like the high interest savings, but the problem with your company is the direct deposit only to qualify for the high yield rate. I am irritated, because when I opened my account, you offered high yield savings with deposits over $200 a month.. NOT only direct deposit from an employer, but ANY deposit of over $200 a month qualified. Then you dropped my high yield rate all of the sudden because my $400 a month of deposits were coming from my personal bank account, not my employer. I was already depositing TWICE what was required... but it was not going to qualify any more because its coming from MY bank account rather than my employer??? Honestly, that is just stupid. Not all employers offer direct deposit. Your program is unfair to people who have money to invest and save, but at the whim of the way their employer sends paychecks, may not have direct deposit as an option. Other banks allow me to have a high yield savings account (higher yield than yours, btw.. at UFBdirect I have 4.81) with nothing more than a minimum balance or minimum deposits. The ONLY thing that keeps me coming back to current is the ease of moving my money around and the lovely app. I work in the entertainment industry and we don't always have direct deposit. So now, I basically just pull all of my money out of Current every time my company switches to mailed checks. I love my current account, but I hate having to pull everything out just because my deposits are not coming directly from my employer. I honestly think it is ridiculous that it matters to you where my money is coming from. I can deposit a regular amount weekly, so why is the high yield incentive ONLY for direct deposit? You should have more customer loyalty. Have different qualifiers for the high yield account such as ANY consistent deposits over $200 a month, instead of ONLY direct deposit. I look forward to you changing your definition of "qualifying" deposit so that I don't have to pull all of my money out of Current again, next time my employer changes.
B
bethane
4 days ago
Amazing
There are many things I love about current. Here are a few things I really enjoy, I get paid two days faster, they send me notifications whenever money goes out of my account which is a great safety feature, they have a feature where you can round up to the nearest dollar so your earning money. I also love that they send me emails on updates and information about my account. My card came fast and might I add how aesthetically pleasing the card is visually. There are so many more wonderful things I love about using current. I highly recommend this bank.
L
lori
4 days ago
I love the fact that you can earn money…
I love the fact that you can earn money in savings
H
harrietta lynn
4 days ago
That current is a great bank.
The way they keep your identity safe.an I think they or doing a good job with responding at a decent time as well.
V
verchers
4 days ago
I appreciate everything about it
I appreciate everything about it
D
d.gilliard
4 days ago
I have never had a problems with direct…
I have never had a problems with direct deposit or issues with payment posting. I had a fraudulent purchase once and Current responded quickly and my money was returned with no hassles.
c
customer
4 days ago
Doing a name change
If changing a name would become easier that is the only issue I have.
L
lauran
4 days ago
Honestly current is the best card I’ve…
Honestly current is the best card I’ve ever had they respond quickly things charge right away no waiting and it always lets you know what your balance is
I
invectionss
4 days ago
I've been using Current for about 3 yrs…
I've been using Current for about 3 yrs and its been nothing but a great experience to me, the customer service has always been quick and helpful with all my issues and the process is smooth. I wish Current could take Zelle but other than that I love my experience here
c
customer
4 days ago
It’s great having current
It’s great having current , it’s quick and easy for everything and it a great saving organization as well very secure.
c
customer
5 days ago
I have been eligible for free overdraft…
I have been eligible for free overdraft for a month, I have not been given overdraft- rven after I have received multiple qualifying deposits
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tiffany harris
5 days ago
I love Current!!!
I love Current!!!
consumer-image
jobe
5 days ago
Great prepaid Debit card if your looking for one to choose from!
I enjoy current because it’s just a great prepaid debit card that you don’t have to worry about fees or going in the negative all the time! It’s free at lots of atms to take out cash, you can deposit checks right on the mobile app! It just takes about a week for a check to clear and to add money at stores it’s a 3.95$ fee to add money to your debit account,but other than that it’s a pretty good card I would say ! I like it!
S
sarah yglecias
5 days ago
Great overdraft !!!!!!
Great overdraft !!!!!!
c
customer
5 days ago
Great service
Early paychecks are the best
c
customer
5 days ago
Lost my card and it took hellaz
Lost my card and it took hellaz
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nathan abel
5 days ago
all around great experience
all around great experience, smooth transition from 4 years on chime. I’d have to recommend current over chime To anyone. If your on the fence, just try it.
J
julius snead
5 days ago
Never any complaints
Never any complaints. Customer service is always there for help and go above and beyond to show you you’re valued as a customer
c
customer
5 days ago
every time I try to deposit my pay…
every time I try to deposit my pay check it gets rejected. the whole point to opening that account is so I can Actually use it as my bank account and be able to mobile check deposit my pay checks!
c
customer
5 days ago
You guys took my over draft
You guys took my over draft, and I constantly putting money in this bank. I'm looking for a new bank
c
customer
5 days ago
Great App Banking Is More Easier With…
Great App Banking Is More Easier With Current
c
customer
5 days ago
I would make this a 5 star if I was…
I would make this a 5 star if I was able to log into my account using my email as my mobile device recently stopped functioning and I am unable to get a phone replacement for another week. I really need to access my current account however I'm unable to because I need an active phone number to verify and confirm log in. Other than that current is great. I use it for everything. The app is user-friendly which I love. Keep up the great work Current Team!
J
jen
5 days ago
I like banking with no fees
I like banking with no fees, easy to manage app and the free overdraft.
D
dalesha
5 days ago
Meeee
I really enjoy my card I love it
M
mrsmichele
6 days ago
I love current but they are not owing…
I love current but they are not owing up to there advertisments. I have been a Current customer for 3 years now and i get paid direct deposit for 3 years and my overdraft is still the same. They advertise that you can get up too 100.00 in overdraft if you have a direct deposit. THAT IS NOT TRUE!!!
c
customer
6 days ago
I love this company
I love this company. So so so easy to deal with.
L
logan mclain
6 days ago
I love the experience of the app and…
I love the experience of the app and the usefulness it has