Current

aid: current
name: Current
kind: company
description: Current (Finco Services, Inc.) is a New York City-based U.S. financial technology company operating a mobile-first
  consumer banking platform serving over six million members. Through partner banks Choice Financial Group and Cross River
  Bank it offers fee-free spending accounts with early direct deposit (up to two days early), fee-free overdraft, and paycheck
  advances; Savings Pods earning competitive APY with automated Round-Ups; the Build Card for responsible credit building
  without a traditional credit check; fee-free cryptocurrency trading; and teen banking accounts with parental controls and
  automatic allowances. Current is a technology company, not a bank. It does NOT publish a first-party public developer API
  or developer portal — no developer.current.com (does not resolve), current.com/developers and current.com/api return 404,
  and api.current.com is an undocumented mobile-app backend. Programmatic access to member account data is available only
  through third-party open-finance aggregators (Plaid), on a consumer-permissioned basis. This profile captures the company's
  public web, legal, and security surface and its aggregator-only data-access posture.
url: https://raw.githubusercontent.com/api-evangelist/current/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: No first-party API · Aggregator-only data access (Plaid)
  confidence: high
  source:
  - developer-portal-probe
  - aggregator-posture
  generated: '2026-07-23'
  method: derived
image: https://cdn.current.com/images/brochure-site/canonical-og-2024.jpg
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- qed-investors
- sapphire-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-23'
tags:
- Company
- Fintech
- Neobank
- Consumer Banking
- Personal Finance
- Payments
- Credit Building
- Savings
- Mobile Banking
- United States
- Open Finance
- Aggregator Access
apis:
- aid: current:current-data-access
  name: Current Consumer Data Access (Aggregator-Only)
  description: 'Current does not expose a first-party public API or developer portal. The only documented, programmatic path
    to a member''s Current account data (balances, transaction history, account and identity details, and account/routing
    verification for ACH) is through consumer-permissioned open-finance aggregators — Plaid is the documented connector for
    Current. Access is mediated by the aggregator, not by a Current-published API contract: there is no downloadable OpenAPI,
    Swagger, or Postman collection, no first-party OAuth authorization server, and no published baseURL. Integration follows
    the aggregator''s own developer program, credentials, and consent flow. This entry is recorded honestly as an aggregator-only
    posture, not a Current-owned API product.'
  humanURL: https://plaid.com/institutions/
  tags:
  - Open Finance
  - Aggregator Access
  - Consumer Banking
  - United States
  - Plaid
  properties:
  - type: Documentation
    url: https://plaid.com/docs/
  - type: Documentation
    url: https://www.openbankingtracker.com/provider/current
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://current.com/
- type: Support
  url: https://support.current.com/hc/en-us
- type: Blog
  url: https://current.com/blog/
- type: TermsOfService
  url: https://current.com/terms_of_service/
- type: PrivacyPolicy
  url: https://current.com/docs/current_privacy_policy/
- type: LinkedIn
  url: https://www.linkedin.com/company/current
- type: DomainSecurity
  url: security/current-domain-security.yml
x-enrichment:
  date: '2026-07-23'
  status: deepened
  pass: deepen-v1
  note: Researched real API surface. No first-party developer portal or downloadable specs exist; access is aggregator-only
    via Plaid. Added honest aggregator data-access entry, verified common links, corrected identity (partner banks Choice
    Financial Group + Cross River Bank), and did NOT attribute the unrelated github.com/current-finance DeFi org.