We're on a mission to improve financial outcomes
Who we are
Current is a leading U.S. financial technology platform transforming financial access for everyday Americans. Our mission is simple: to improve financial outcomes. From banking to liquidity to building credit, we are a platform designing integrated financial solutions that address our members' most important needs.
What we do
At Current, our members are at the heart of everything we do. We're committed to providing them the most value so they can get the most from every paycheck.
We offer mobile-first banking services and spending accounts with no mandatory fees, available to all Americans — regardless of income or age. Our features are designed to work seamlessly together on our platform to provide a superior experience for our members and make managing money as easy as possible.
We're proud to lead the industry in offering this integrated suite of tools that make Current the best place for your paycheck.
How we do it
Our business model is spend-based, driven primarily by interchange fees merchants pay when our members use their cards. This makes us fundamentally different from traditional banks, which rely on deposit-based models. We are also uniquely different from other mobile-only consumer fintechs, as we built and maintain our own proprietary core banking technology, which allows us to:
We also have no physical branches, which allows us to keep costs low and pass additional value back to members.
This approach allows us to build affordable financial solutions for all Americans, under the full protections and regulations of the U.S. financial system, while also helping members make progress with their money, no matter the size of their paycheck or their definition of a better financial outcome.
