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Current vs Earnin

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to Earnin? Read our comparison chart below.

 CurrentEarnin
 Visit SiteVisit Site
 

Current

Earnin

SPECIAL OFFER
Build Credit While You Bank - Learn More

Read Current Review

SPECIAL OFFER
Get up to $750 per paycheck - Learn More

Read Earnin Review

 

Benefits and Features

SavingsUp to 4.00% bonus on your Savings Pod, on up to a total of $6,000 
CheckingEarn up to 15x points on purchases at participating merchants 
Kids Debit Card
Check
 
Mobile App
iOS & Android
iOS & Android
 

CreditDonkey® Reviews

 CurrentEarnin
SavingsStarStarStarStarEmpty Star
Minimum DepositStarStarStarStarStar
CheckingStarStarStarStarStar
PriceStarStarStarStarStar
Mobile AppStarStarStarStarStar
Customer ServiceStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarStar
EducationStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • High savings rate
  • Up to 15x cash back at 14k stores
  • Ability to deposit cash
Cons:
  • No web platform
  • Email-based support only
  • Requires direct deposit to earn the boosted bonus
Bottom LineSimple, digital-only banking app with impressive bonus and cashback... Read full review Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Earnin: EarnIn services may not be available in all states.

Current

Build Credit While You Bank

  • Get Paid Up to 2 Days Faster
  • Build credit and earn points with every swipe
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • No credit check, minimum balance or hidden fees
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
Current

Current Savings - Up to 4.00% bonus

  • 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
  • Simply add money to your Savings Pods and enable the Boost feature.
  • Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
  • Bonuses accumulate daily.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
Earnin

Get up to $750 per paycheck

  • Access up to $750 per pay period of money you've already earned.
  • No mandatory fees
  • No credit check
Earnin

Get up to $100 a day

  • Get up to $100/day of your pay within minutes of earning it.
  • No mandatory fees
  • No credit check
Earnin

Get paid in minutes!

Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank connection. EarnIn services may not be available in all states. Restrictions and/or third party fees may apply, see Cash Out User Agreement at EarnIn.com/TOS for details

Which is Better: Current or Earnin?

Still need help deciding which cash advance is better? Read the in-depth reviews below. You may also be interested in comparing Current or Brigit.


Articles on Current

Current Banking Review

Is Current a good fit for you? Discover its benefits and drawbacks, and see how it sizes up against apps like Chime in this review.

Articles on Earnin

EarnIn

Tired of living paycheck-to-paycheck? EarnIn gives access to your cash before you get paid. It's like a payday loan without the fees. But is there a catch? Read on.

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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