# Current vs Upgrade

The clearest difference is monetization model: Current at free against Upgrade's free with in-app purchases. Current also leads on chart position (#51 vs #153). Upgrade's advantage is iOS requirement (15.1 vs 17.0). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Current against 4.9 for Upgrade. Both are backed by a comparable volume of ratings — 197K and 84K respectively. Written reviews are what separate them: 58% of Current's written reviews are positive against 53% of Upgrade's.

Current ships an update every 2 weeks, Upgrade every 11 days. Both last shipped on October 26, 2026.

## The numbers

| Metric | Current | Upgrade |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (197K ratings)](https://appshunter.io/ios/app/current-mobile-banking/id1077366211/reviews) | **[4.9 (84K ratings)](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093/reviews)** |
| Number of ratings | **197K** | 84K |
| Positive reviews | **58.3% of reviews** | 53.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 11 days** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#51** | #153 |
| Size | 152 MB | 93 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 12+ | 17+ |
| Developer | [Finco Services, Inc.](https://appshunter.io/developer/1077366210) | [Upgrade, Inc.](https://appshunter.io/developer/1389859092) |

## What reviewers say

### Current

[App page](https://appshunter.io/ios/app/current-mobile-banking/id1077366211)

**Currently charting:** #51 Top Free · Finance (US App Store)

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

**Highlights:** Get paid up to 2 days early, Advance paycheck up to $750, Overdraft fee-free banking, Build credit while banking, Earn 1% cash back on dining/groceries, Earn up to 4.00% bonus on savings, Access 40,000+ fee-free ATMs

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Early paycheck deposits
- 💳 Unique and stylish debit card design
- 💰 Competitive savings interest rates
- 🔒 Secure banking experience
- 💸 Helpful overdraft protection

**What reviewers complain about**

- 🕰️ Slow mobile check deposit process
- 🤖 Inconsistent and impersonal customer service
- 🔍 Difficulty resolving disputes and fraudulent charges
- 🔒 Security and account access issues
- 💳 Limitations on ATM withdrawals and card usage

**Reported bugs**

- Accounts being locked or suspended without explanation
- Funds disappearing from accounts with no recourse
- Recurring issues with mobile check deposits

**Requested features**

- Joint account and family management tools
- Expanded mobile check deposit limits
- Faster response times for customer support
- More transparent dispute resolution process
- Improved security and account recovery options


### Upgrade

[App page](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093)

**Currently charting:** #153 Top Free · Finance (US App Store)

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

**Highlights:** Cash back rewards on card purchases, Manage personal loans and credit lines, Track credit score and receive alerts, High-yield savings accounts, Cash advance requests, Bill payment and balance checking

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Excellent, easy-to-use app
- 🔒 Robust fraud prevention
- 💰 Competitive interest rates and rewards
- 👍 Seamless account management
- 🏆 Helpful in improving credit and consolidating debt

**What reviewers complain about**

- 🐛 Inconsistent account updates and transaction history
- 🤔 Unclear policies around credit limit changes
- ❌ Poor customer service and unresponsive to issues
- 💳 Card usage issues and unexpected account suspensions
- 🕰️ Slow processing of payments and deposits

**Reported bugs**

- Login issues and inability to reset passwords
- Discrepancies between app and website information

**Requested features**

- Ability to lock/unlock debit and credit cards
- Instant access to deposited funds
- Improved app stability and user experience


## Frequently asked questions

### Is Current free?

Current is free to download, with no in-app purchases.

### Is Upgrade free?

Upgrade is free to download, with no in-app purchases.

### Which has better reviews, Current or Upgrade?

Upgrade is rated higher. Current averages 4.8 out of 5 from 197K ratings, while Upgrade averages 4.9 from 84K ratings.

### Do Current or Upgrade have ads?

Neither Current nor Upgrade shows ads.

### Which is updated more often, Current or Upgrade?

Current ships an update every 2 weeks, and Upgrade every 11 days. Most recently, Current was updated on October 26, 2026 and Upgrade on October 26, 2026.

### Which is more popular, Current or Upgrade?

Current currently peaks at #51 in the App Store charts, and Upgrade at #153. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*