Current vs Axos Bank

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to Axos Bank? 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 Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

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

	Current	Axos Bank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review	SPECIAL OFFER Basic Business Checking - Learn More Read Axos Bank Review
	Benefits and Features
Savings	Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)
CD		0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking	Earn up to 15x points on purchases at participating merchants	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
Monthly Fee	$0
Kids Debit Card
Money Market		0.25% APY
Minimum Deposit to Open	$0
Mobile App	iOS & Android	iOS & Android
ATMs	Free access to 40,000+ Allpoint ATMs	approximately 91,000 partner ATMs
Customer Service		24/7
Locations		Online only
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
CD
ATMs
Locations
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: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches
Bottom Line	Simple, digital-only banking app with impressive bonus and cashback... Read full review	Full-service online bank with excellent checking and savings... Read full review
	Visit Site	Learn More
	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive	Basic Business Checking Business Premium Savings - Up to 3.60% APY Axos ONE - Earn up to 4.21% APY
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. Axos Bank: Pricing information from published website as of 05/12/2026.

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

Learn More

Which is Better: Current or Axos Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Current or Bank of America.