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Current

Headquarter:

New York, NY, USA

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Overall (8.7/10)

Interest Rates & APY (8.9/10)

Fees & Minimums (9.1/10)

Customer Service (8.7/10)

Mobile App & Digital Banking (8.9/10)

Rewards & Perks (9.1/10)

Alex Parker, CFA

Senior Banking Editor

Email 418 Articles

October 28th, 2026

Current Review:

Intro

Current is a leading U.S. mobile banking fintech offering fee-free spend accounts, up to 4.00% APY Savings Pods, fee-free Overdrive overdraft protection up to $200, and the Current Build Visa credit card.

Full Review

Current (New York, NY, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. Current is a leading U.S. mobile banking fintech offering fee-free spend accounts, up to 4.00% APY Savings Pods, fee-free Overdrive overdraft protection up to $200, and the Current Build Visa credit card.

In our comprehensive 2026 review, Current earned strong marks across rate competitiveness (Up to 4.00% APY Bonus), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at Current.

Pros

Up to 4.00% annual bonus on Savings Pods (up to $6,000 across 3 pods)
Overdrive fee-free overdraft up to $200 with qualifying direct deposits
Current Build card builds credit history using your available balance
Instant gas hold removals and up to 7x points on neighborhood dining

Cons

4.00% savings boost requires at least $200 in monthly payroll direct deposits
Maximum $6,000 balance eligible for the 4.00% APY Savings Pods rate
Digital-only support without traditional branch service

Feature	Value
Overall Rating	4.7
Savings APY / AER	Up to 4.00% APY Bonus
Deposit Insurance	FDIC / NCUA Insured ($250k+)

Current: Products

Current Spend & Savings Pods Account

Current Build Visa Secured Credit Card

Current: Categories

Credit Cards

Rated 8.8

High-Yield Savings

Rated 8.7

Checking Accounts

Rated 8.6