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Current

current.com
Summary

Current is a mobile-first financial technology company offering banking services, including early direct deposit, a Visa debit card, savings accounts with interest, and cryptocurrency trading. It focuses on helping users build credit and manage their money with features like round-ups and fee-free overdraft.

Features
9/12
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Must Have

4 of 5

Prepaid Debit Card (Cash App Card)

Early Direct Deposit

Commission-Free Stock Trading

Bitcoin Trading

Instant P2P Transfers

Other

5 of 7

Fraud Monitoring & Security

High-Yield Savings

Round-Up Savings

Instant Discounts & Offers

ATM Access & Fee Reimbursement

Pay Over Time (Afterpay)

Customizable Card Designs

Pricing
Freemium
See all

Standard Account

$0.00 one time
  • Mobile banking account
  • Visa Debit Card
  • Early Direct Deposit (up to 2 days faster)
  • Build credit with everyday purchases (Build Card)
  • Fee-free overdraft (up to a certain amount, with qualifying direct deposit)
  • Earn points on eligible dining and grocery purchases
  • 40,000+ fee-free in-network ATMs
  • No annual fees
  • No minimum balance fees
  • No credit checks to apply
  • No bank transfer fees
  • Gas Hold Removals
  • Mobile Check Deposit
  • Spending Insights
  • Savings Pods (up to 3)
  • Round-Up savings
  • Crypto trading (zero trading fees, minimum $1 investment)
  • Card control (block transactions, pause/unpause card)
  • Privacy settings (fingerprint & Face ID lock)
  • Teen Banking (for family accounts)
  • Out-of-network ATM fees ($2.50 per transaction)
  • Late payment fees (3% of total due balance outstanding and past due for two or more billing cycles for Build Card)
  • Foreign transaction fees (3% of full transaction amount, minimum $0.50)
  • Card replacement fees ($5 for regular, $30 for expedited)
  • Cash deposit fees ($3.50 per deposit)
  • Third-party processing fees
  • Paycheck Advance is for eligible customers only and actual amount varies
  • Savings Boost of 4.00% APY requires $500+ eligible payroll deposits over 35 days, otherwise 0.25% APY
  • 4.00% APY on savings is only on balances up to $2000 per Savings Pod, up to $6000 total. Remaining balance earns 0.00%.
  • Crypto services not available in all states (e.g., Hawaii) and limited coin selection in New York
  • Instant access to Paycheck Advance may incur a fee
Rationale

Current offers a mobile banking platform with features directly aligning with the Cash App concept. It provides a debit card, early direct deposit, bitcoin trading, high-yield savings, and round-up savings. While it doesn't explicitly mention P2P transfers as a core feature on the landing pages, it does offer instant access to funds and mobile check deposit, which are related. The website also highlights fraud monitoring and security, ATM access, and instant discounts/offers.

Links
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