# Currence — Financial Freedom. Faster. > Financial platform for building wealth and achieving financial freedom faster. (iPhone/iPad app by Currence.) - Source: https://appshunter.io/ios/app/currence/id1642532270 (this page in markdown: same URL + `.md`) - Developer: [Currence](https://appshunter.io/developer/1642532272) - Category: Finance - Price: Free - Rating: 4.70/5 from 67 App Store ratings · 41 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 64 MB - Languages: American English - Released: 2022-10-10 - Data updated: 2026-09-03 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/currence/id1642532270/reviews.md ## What is Currence? Currence lets you spend and save smarter. Ensure you are in total control of your financial picture and put structure to your cash flow and achieve Financial Freedom Faster™. Our proprietary “Reservoir” account captures income before it gets spent. Plus, insights into your financial health give you the opportunity to create new passive income streams that can grow your wealth faster. Currence helps you maximize your savings and wealth 1. Get connected cash flow: Achieve better visibility and insights to your cash flow health when you connect all your accounts, plus competitive interest rates for faster returns than a traditional savings account. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. 2. Gain complete control: Streamline cash flow management alongside a financial professional or unlock effective money management on your own. 3. Grow effortless savings: Cultivate and integrate new income streams as savings increase, amplifying opportunities to invest in the future over time. Save first and spend later. Accumulate wealth. Step 1: If you have a financial advisor, they can invite you to the Currence platform so you both have full visibility of your savings and spending. Currence makes this easy as your income will flow through a central account we call a Reservoir. Step 2: Once you connect your bank account to the Currence app, watch your Reservoir organize your income and your spending, making it easy to save. Step 3: This then creates the opportunity for you to increase wealth accumulation with smarter spending and saving choices. Flip Your Flow® with Currence to easily control your net cash flow and save more. Financial Professionals recommend Currence because it creates transparency with clients. Gain even more confidence in recommendations from your advisor with shared cash flow visibility. Currence is how Smart Money Flows®. Download the app today and visit us at livecurrence.com to join the movement. Disclosure: Currence, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. There is no guarantee of accumulation and free cash flow. Non-deposit investment accounts linked to Currence are not FDIC insured and FDIC insurance does not protect you against Currence’s insolvency or bankruptcy. ## Key features - Achieve financial freedom faster - Live fully today, comfortably tomorrow - Proven wealth-building philosophy - Build savings while maintaining lifestyle - Exclusive 'reservoir' account - Create passive income streams - Financial strategist guidance ## What do users think of Currence? Overall sentiment: positive **Pros** - 💡 Game changer for cash flow management - 💡 Automates savings effectively - 💡 Helps build wealth and achieve financial goals - 💡 Simplifies saving and investing - 💡 Provides financial peace of mind - 💡 Elegant solution to budgeting issues - 💡 Easy to use and understand - 💡 Responsive developers - 💡 Painless bank account linking **Cons** - 🐛 Awful and inconvenient login process - 🐛 Slow transfers between accounts - 🐛 Cumbersome and clunky app experience - 🐛 Face ID option not working - 🐛 Overkill identity verification steps - 🐛 Service is awful with zero support **Commonly reported bugs** - Face ID option doesn't work on any devices - Server tends to lag **Most requested features** - Instant transfer option - Scheduled money movements with bimonthly frequency - Smoother and less cumbersome login experience - App remains automatically logged on with Face ID verification - More functionality to be built out ## Recent user reviews (10 of 41) All indexed reviews: https://appshunter.io/ios/app/currence/id1642532270/reviews.md ### 1/5 — Not user friendly *2025-12-19, version 1.38.3* This app is trash, avoid it if you can. ### 2/5 — Don’t give them your money *2025-07-22, version 1.36.3* Don’t give them any money. You will spend all your time trying to get it back. The service is awful and there is zero support ### 2/5 — Awful login process *2025-05-12* Will y’all PLEASE change your login process?? I have to go through 9 different steps just to log in to the app. It’s inconvenient, clunky, obnoxious and unnecessary. I understand that privacy with funds is important but even my bank and credit monitoring apps only require face ID. The Face ID option for the app doesn’t work on any of my devices, all of which are up to date and one is even new. Having to verify my identity 3 different times is overkill and only makes me want to search elsewhere for places to store my funds. I personally pwn a business and inconveniencing the customer is never a sign of good service. Please find a way to create a smoother login experience for your consumer or have the app remain automatically logged on but verified with Face ID since it is literally already on my phone, so clearly I’m the one using it. **Developer response:** Hi @Jaz1784, we suggest you reach out to us directly through your Currence app in the Connect tab under "Support" to handle any difficulties you may have logging in. Currence uses industry standard multifactor authentication during login to ensure our Members' security. If you are still having issues during login, please do not hesitate to reach out! We are happy to help! ### 3/5 — Slow and inconvenient *2025-01-19, version 1.30.0* For the love of god, get instant transfer and allow scheduled money movements to be on frequencies like bimonthly instead of on a particular day in the month. ### 5/5 — Raving about saving! *2024-08-02* I can’t stop raving about saving with Currence! The amount of money that you are able to accumulate without even thinking about it is incredible. I have been using Currence for a while now and love that I can “set and forget it”. I love being able to login and just see how much money we have saved. Everyone should be using Currence! **Developer response:** Thanks for sharing @jcarter6681! We are happy you are having success with Currence's money movement automations. ### 5/5 — FINALLY something that creates financial peace of mind!! *2024-07-19* For the first time I am seeing people’s efforts to create consistent positive cash-flow really working! This tool allows me to help my clients move the needle on hitting their goals. This is a MUST HAVE for EVERYONE. If you Make, Save, and/or Use money in any way - then this is for YOU! **Developer response:** We love seeing our Strategists help their clients achieve Financial Freedom Faster! Thank you for sharing, Misha. ### 5/5 — This is a game changer! *2024-06-24* I never realized how easy it can be to manage my cash flows until I was introduced to Currence. Currence has drastically made my life easier when it comes to my finances. I know what’s coming in, what’s going out, and how much I have for building wealth. Being in my 20’s this has been awesome and I know it’ll only get better. **Developer response:** Hi Brock, we are happy to hear that Currence helped you get your cash flow under control. Make your money work for you! ### 5/5 — Absolutely recommend!! *2024-06-08, version 1.27.0* Best app for saving money!! My husband and I have paid off so much debt with this app! ### 5/5 — Results work *2024-05-13* This has helped me feel in better control of my cash flow. It’s easy to be a spender but Currence helps me live by the old motto - “pay yourself first”. I am more confident in my saving and I don’t feel like I have to budget every month either. **Developer response:** Confidence is key! Happy to hear you taking control of your cash flow with Currence, @tpatt09. ### 5/5 — Great app *2024-05-09* This app has been a game changer for me. It’s helped me create a structure around my cash flow, all in an easy to use app! I recommend this app to all people, young and old, to get a handle on their savings rate and to start building real wealth. **Developer response:** Hi @NWint13, we are glad to hear you are having success with Currence! Thank you for sharing your experience with us. ## Frequently asked questions about Currence ### What does the Currence app do? Currence is a financial platform designed to help users achieve financial freedom faster. It offers a wealth-building philosophy that enables you to save and grow your money while maintaining your current lifestyle, and it facilitates the creation of new passive income streams. ### How does Currence help users build wealth? It utilizes a unique 'reservoir' account that captures income before it's spent, allowing for the generation of passive income. This shifts financial decision-making from a checking account to a cash preservation and growth account, guided by financial strategists. ### Is Currence free to use? Based on the provided information, the app is available for free. There are no mentions of subscription fees or in-app purchases within the description. ### Who is the target audience for Currence? This app is designed for individuals who struggle with saving in today's fast-paced world and are seeking a solution to build their savings and achieve financial freedom without sacrificing their current lifestyle. ### What are the key benefits of using Currence? Key benefits include achieving financial freedom faster, living fully today while ensuring a comfortable tomorrow, building savings effectively, creating passive income streams, and receiving guidance from a dedicated financial strategist. ## Version history (last 5 releases) ### 1.50.0 — 2026-08-26 Performance and user experience improvements. ### 1.49.6 — 2026-07-21 User experience improvements and minor bug fixes. ### 1.49.5 — 2026-07-16 User experience improvements and minor bug fixes. ### 1.49.3 — 2026-06-30 User experience and performance improvements. ### 1.47.4 — 2026-05-19 Minor improvements and bug fixes. ## Apps similar to Currence | App | Rating | Price | Category | | --- | --- | --- | --- | | [Living Balance Sheet®](https://appshunter.io/ios/app/living-balance-sheet/id1603686648) | 5.0 (80) | Free | Finance | | [Elements App](https://appshunter.io/ios/app/elements-app/id1475518768) | 4.6 (53) | Free | Finance | | [PAS NetXi](https://appshunter.io/ios/app/pas-netxi/id1056295974) | 2.6 (36) | Free | Finance | | [Wealth Without Wall Street](https://appshunter.io/ios/app/wealth-without-wall-street/id1475977144) | 5.0 (30) | Free | Finance | | [Flourish Cash](https://appshunter.io/ios/app/flourish-cash/id6748761999) | 4.9 (32) | Free | Finance | | [GUARDIAN® Accounts & Policies](https://appshunter.io/ios/app/guardian-accounts-and-policies/id1215328004) | 4.7 (9,629) | Free | Finance | ## Related topics [silverstone fincare](https://appshunter.io/ios/topics/silverstone-fincare) · [financial freedom tool](https://appshunter.io/ios/topics/financial-freedom-tool) · [flexera](https://appshunter.io/ios/topics/flexera) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*