Current vs Kikoff

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

Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.

While Kikoff provides a $750 credit line you can use in Kikoff store for a monthly fee of $5. It can help build your credit by reducing credit utilization and reporting monthly payments to Equifax and Experian. Other services include credit builder loans, secured credit card, and rent reporting.

Compare Current with Kikoff, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Current	Kikoff

	Visit Site	Visit Site
	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review	SPECIAL OFFER Credit Building Made Easy - Learn More Read Kikoff Review
	Benefits and Features
Savings	Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000
Checking	Earn up to 15x points on purchases at participating merchants
Kids Debit Card
Mobile App	iOS & Android	Yes
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
Fees
Credit Building Tools
Credit Bureaus Reporting
Pros & Cons	Pros: 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	Pros: Inexpensive way to build credit Cancel anytime No lock-in period Cons: Does not report to TransUnion Kikoff Store items may not be valuable
Bottom Line	Simple, digital-only banking app with impressive bonus and cashback... Read full review	Low-cost credit builder that packs in extra features for credit building... Read full review
	Visit Site	Visit Site
	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive	Credit Building Made Easy Build Credit for Only $5/month
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.

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 Savings - Up to 4.00% bonus

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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.

Fee-Free Overdraft up to $200 with Overdrive

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Credit Building Made Easy

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No credit pull required
With 0% interest
Open your account in minutes

Build Credit for Only $5/month

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Which is Better: Current or Kikoff?

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