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Current Referral Code

Q: How much is the Current referral bonus?

Under the terms effective September 18, 2025, both the referrer and the referred friend receive $100 each when the referral qualifies.

Q: What does my friend need to do to qualify?

Your friend must be a new, first-time Current user, sign up through your unique referral link or apply your referral code, and receive at least $200 in Eligible Payroll Deposits into their Current Account within the first 45 days.

Q: What counts as an Eligible Payroll Deposit?

A recurring deposit of wages or compensation from an employer, payroll provider, or government payer. Peer-to-peer transfers like PayPal, Venmo, Cash App, or Zelle, non-direct-deposit ACH transfers, mobile check deposits, cash deposits, and one-time deposits such as tax refunds do not qualify.

Q: Is there a limit on Current referral earnings?

You can refer as many friends as you like, but referral rewards are capped at $1,000 per calendar year per referrer.

Q: Are referral bonuses taxable?

Current's terms note that aggregate rewards of $600 or more in a year trigger 1099-MISC tax reporting, so large referral earnings may be reported to the IRS.

Q: Can the referral bonus be combined with other signup offers?

No. Current's terms state referral rewards cannot be combined with other enrollment bonuses.

You and Your Friend Can Each Get $100

Current referral bonus: refer a friend with your link or code and you each get $100 once they receive at least $200 in eligible payroll deposits within 45 days. Earn up to $1,000 in referral rewards per calendar year.

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Genie Says

Current's standard referral terms, effective 18 September 2025 and still current as of this writing, pay $100 to you and $100 to the friend you refer once they receive at least $200 in an Eligible Payroll Deposit — real wages, not a peer-to-peer transfer — within 45 days of signing up through your link. Current has also circulated limited-time elevated codes worth more than the $100 standard, so what a specific link is worth can vary; the $100 figure is the reliable baseline. Rewards post within about 10 business days of the qualifying deposit, are capped at $1,000 per year per referrer, and Current reports aggregate rewards of $600 or more to the IRS on a 1099-MISC.

How much can you earn?

Share your own code and earn rewards when friends use it

$100 for you as the referrer, matching your friend's $100, under Current's standard terms effective 18 September 2025. Current has also run limited-time elevated referral codes (reported as high as $150-$175) alongside this $100 standard, so the exact figure a given user sees can depend on which specific code or link they were given.per successful referral*

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How to Use a Current Referral Code

Find your referral link in the app

Open the Current app and go to the referral section to grab your unique referral link or code.

Share with friends

Send your link or code by text, email, or social apps to friends who have never had a Current account.

Friend joins and adds their paycheck

Your friend signs up through your link or enters your code, then sets up payroll direct deposit and receives at least $200 in Eligible Payroll Deposits within their first 45 days.

You each get $100

Once the qualifying deposit lands, Current pays $100 to you and $100 to your friend, typically within ten business days, up to $1,000 in referral earnings per year.

Reward Details

Your Reward: $100 for the referred friend once they meet the payroll-deposit condition.
Referrer Reward: $100 for you as the referrer, matching your friend's $100, under Current's standard terms effective 18 September 2025. Current has also run limited-time elevated referral codes (reported as high as $150-$175) alongside this $100 standard, so the exact figure a given user sees can depend on which specific code or link they were given.
Minimum Purchase: The referred friend must be a new, first-time Current user who signs up through your unique link or code and receives at least $200 in an Eligible Payroll Deposit within 45 days of opening their account. Peer-to-peer transfers such as PayPal, Venmo or Cash App do not count as an Eligible Payroll Deposit.
Validity: The 45-day window runs from account opening; the reward cannot be combined with other Current enrollment bonuses.
Available In: USA
Referral Limit: Capped at $1,000 in referral earnings per calendar year per referrer; no cap on the number of friends you can refer within that total.
Payout Time: Rewards should post within 10 business days after the qualifying payroll deposit first arrives, provided both accounts remain open.
Eligibility: Aggregate rewards of $600 or more in a year trigger 1099-MISC tax reporting, so heavy referrers should expect their earnings to be reported.

Why Choose Current?

Both sides get paid

Current's referral program pays $100 to the referrer and $100 to the referred friend once the friend qualifies, so sharing your link is a win for both of you.

Clear qualification rule

The referred friend simply needs to be a new Current user who signs up through your link or code and receives at least $200 in Eligible Payroll Deposits within their first 45 days.

Fast payout

Referral rewards should post within ten business days after the friend's first qualifying payroll deposit, as long as both accounts are open, active, and in good standing.

Real banking perks for your friend

New members are joining an app with paycheck advances up to $750 for those who qualify, payday up to 2 days early with direct deposit, fee-free overdraft for eligible members, and a credit-building card with no annual fee, no interest, and no credit check.

Room to earn all year

There is no cap on how many friends you can invite, and you can collect referral bonuses up to $1,000 per calendar year.

About Current

Current is a banking app used by over 6 million members, with paycheck advances up to $750, early payday, fee-free overdraft, and credit building. Its referral program pays both you and your invited friend $100 when the friend meets the payroll deposit requirement.

Current is a US banking app that positions itself as the best app for your paycheck. Members can qualify for paycheck advances up to $750, get paid up to 2 days early with direct deposit, access fee-free overdraft, earn savings bonuses, and build credit with a card that has no annual fee, no interest, and no credit check. Over 6 million members use Current.

The Current referral program rewards both sides. Under the program terms effective September 18, 2025, when a new, first-time Current user signs up through your unique referral link or applies your referral code and then receives at least $200 in Eligible Payroll Deposits into their Current Account within their first 45 days, you and your friend each receive a $100 reward.

Eligible Payroll Deposits are recurring wage or compensation deposits from an employer, payroll provider, or government payer; peer-to-peer transfers, mobile check deposits, cash deposits, and one-time deposits like tax refunds do not count. Rewards should post within ten business days after the qualifying deposit, both accounts must be open and in good standing at payout time, and referrers can earn up to $1,000 in referral rewards per calendar year.

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