Current: The Future of Banking icon
Current App Review: Modern Banking with Credit Building Tools

by Current

4.5
ANDROIDFinance
Current offers mobile banking with Visa cards, credit-building features, and multiple savings accounts. Targets users seeking alternative banking solutions and credit score improvement through practical financial tools.

Detailed Review

Current positions itself as a financial technology platform providing mobile banking services through partnership with FDIC-insured institutions. The app delivers spending, saving, and money management tools through a mobile interface paired with Visa debit and credit products. Unlike traditional banks, Current operates as a fintech intermediary while maintaining FDIC pass-through insurance coverage up to $250,000 through partner banks Choice Financial Group and Cross River Bank. The platform's core functionality includes instant transaction notifications, fee-free overdraft protection up to $200, and three distinct savings pods for goal-based saving. The Credit Builder Visa card represents its most distinctive feature, requiring no credit check for approval and reporting payments to all three major credit bureaus. Users can establish direct deposits, transfer funds between external accounts, and send peer-to-peer payments through integrated systems. User experience demonstrates a clean, intuitive interface optimized for mobile banking tasks. The dashboard provides immediate visibility into account balances, recent transactions, and savings progress. Real-world usage patterns show particular strength in recurring direct deposit handling, with users reporting reliable payroll processing and bill payment functionality. The app's design prioritizes accessibility for financial management newcomers while maintaining depth for experienced users. User feedback consistently highlights credit-building success stories, with AJ Steinberger (July 1, 2025) noting approval after seven years of credit inactivity. Multiple reviews praise the simplicity of external transfers and savings account organization, as mentioned by Frankie Sanchez Jr (July 2, 2025). Some technical issues emerge regarding card functionality, exemplified by Shea Shea's (June 30, 2025) report of incorrect expiration notices despite valid cards through 2027. The platform demonstrates strongest utility for credit-building seekers and those excluded from traditional banking products, though its fintech status introduces different protections than conventional banks. While the interface and specialized features receive widespread praise, occasional technical glitches and the non-bank structure represent considerations for potential users. Optimal use cases include establishing initial credit history, managing multiple savings goals, and accessing mobile-first banking without minimum balance requirements.

Key Features

  • Credit Builder Visa card that requires no credit check and reports to all three major bureaus to establish payment history
  • Three separate savings pods with individual goals and automated rounding features for incremental saving
  • Instant transaction alerts and spending notifications that provide real-time financial awareness
  • Overdraft protection up to $200 without fees when receiving qualifying direct deposits monthly
  • Peer-to-peer payment system enabling quick transfers between Current users without processing delays
  • Parent-sponsored teen accounts with spending controls and monitoring capabilities for financial education

Why Users Love It

Effective credit building tools
Multiple savings account options

Perfect for: Users seeking credit establishment alternatives and mobile banking convenience

Screenshots

Current: The Future of Banking screenshot 1Current: The Future of Banking screenshot 2Current: The Future of Banking screenshot 3Current: The Future of Banking screenshot 4Current: The Future of Banking screenshot 5Current: The Future of Banking screenshot 6

Ranking History

Track Current: The Future of Banking's performance in Finance over the last 30 days

Top 5
Top 10
Top 15
Below 15

Current Rank

#17

+13 from last week

Best Rank

#17

All-time high

Average Rank

#27

30-day average

User Reviews

AJ STEINBERGER
Jul 1, 2025

amazing! I could NOT get a credit card for a long time due to having no credit. I had no activity on my credit for 7+ years so everything was blank. I couldn't get any credit card to approve me. I found Current and have been building my credit ever since. this app is so easy to use, clean interface, and actually gives you a chance to build your credit back up. I will be with Current for a long time.

Frankie Sanchez Jr
Jul 2, 2025

Easy to use, no major issues with sending and receiving money from direct deposits. Transferring money from this account to another bank or vice versa, is easy to do. The three savings accounts that come with the account, are nice to have. When you have money coming out of your account for bills, you get a notification/reminder that a payment will be withdrawn from your account.

Shea Shea
Jun 30, 2025

Would someone from Current please fix my Current Credit Builder card? It keeps saying the card is expired, which it doesn't until 2027. because I'm not paying for a new card, when I've done nothing wrong to mess this up. I would greatly appreciate it if it was taken care of. it is an awesome app and way to TCB. I just need the issue fixed. 🙂

Ruby Lyn Arce
Aug 1, 2025

I am loving using the Current. So. far it hasn't fail or disappoint me after 4 months. Especially, for people who are building their credit. It's very convenient for beginner people that are learning how to use debit card or save in general. I got my kids an account under my name with Current. It is working great. I highly recommend Current.

Joseph Miller
Sep 2, 2025

I'm trying to access the payday advance it said I got it cause I have over 7000 deposits to show that I can get the advance my school is my direct deposit why I can't get bounce protection and 500 advance. It said can get it but why it hasn't appeared in my account. Can someone see why I haven't gotten it

App Details

Developer

Current

Platform

android

Rating

4.5

Last Updated

10/6/2025