Updated September 28, 2026 · VaultCue Editorial Team
Current vs Hakrinbank
Current
Hakrinbank
Higher score in this comparison
What sets them apart
| Compare | CurrentReviewVisitVisit | HakrinbankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.25% to 4% | 4% |
| Minimum deposit | $0.010 | SRD 100 |
| Access terms | Savings Pods accessible on demand in the mobile app, no notice period, up to three pods | Free withdrawals at any time, including ATM cash withdrawal from the SRD savings account up to SRD 1,000 per day with the bank card; interest credited quarterly |
| Monthly fee | $0 | SRD 0 |
| Deposit protection | FDIC up to USD 250,000 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Hakrinbank scores higher overall: 9.6 vs 8.9.
- Support channels: only Current offers Chat.
- Support channels: only Hakrinbank offers Phone.
Our verdict on each
Current
Current is a set-aside account for a teen in the US who wants a pot they can reach from the phone. The minimum deposit is $0.01 and the variable rate runs 0.25% to 4%, so the pay on savings can move as the provider adjusts it.
Hakrinbank
Hakrinbank is a Surinamese bank whose easy-access savings account suits students and teens who want a variable rate of 4% for a monthly fee of SRD 0. Withdrawals are free at any time, and interest is credited quarterly to the savings balance.
Score breakdown
| Area | Current | Hakrinbank |
|---|---|---|
| Cost | 9.1Monthly fees on the easy-access account run at $0, transfers cost $0 - no bank transfer fees and conversion 3%. | Not confirmed |
| Offer | 8.7 | 9.3HigherA variable 4% rate on an easy-access account, with a SRD 0 fee and a bank founded in 1936. |
| Trust | Not confirmed | 9.9 |
How they place
| Ranking | Current | Hakrinbank |
|---|---|---|
| Savings accounts | 27 of 1420 | 57 of 1420 |
| Student, teen and kids accounts | 7 of 273 | 14 of 273 |
What we checked
Current
- current.com: 11 facts, checked September 26, 2026
Hakrinbank
- hakrinbank.com: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Current | Hakrinbank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | Finco Services, Inc. dba Current | Hakrinbank N.V. |
| Headquarters | United States | Suriname |
| Founded | Not confirmed | 1936 |
| Support channels | Chat, Email, Help centre | Email, Phone, Help centre |
Everyday accounts
| Fact | Current | Hakrinbank |
|---|---|---|
| Currency conversion fee | 3% | Not confirmed |
| Currencies | Not confirmed | 3 |
| Audience | Teen | Student, TeenCovers more |
| Features | Free ATM, Digital only, No credit check | Not confirmed |
| Local account details | Us ACH | Not confirmed |
| Free ATM withdrawals | $0 | Not confirmed |
| Transfer fee | $0 - no bank transfer fees | Not confirmed |
Money transfer
| Fact | Current | Hakrinbank |
|---|---|---|
| Delivery time | Not confirmed | Up to 2 business days |
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | Current | Hakrinbank | Median |
|---|---|---|---|
| Headline rate | 0.25% to 4%above the median | 4%above the median | 3.25 |
Median across 658 listed accounts.
Pros and cons
Current
Pros
- Deposits are covered by FDIC up to USD 250,000, which is the detail a new saver should check.
- The stated audience is teen, and the account kind is easy access.
- Pods open on demand in the mobile app with no notice period, so a set-aside stays flexible.
Cons
- The 0.25% to 4% range has a low floor, so a pod can earn very little for stretches.
- Support runs on chat, email and help centre, so there is no phone line for urgent questions.
- Currency conversion costs 3%, which makes it a weak base for holding travel money.
Hakrinbank
Pros
- Interest is credited quarterly and withdrawals are free at any time on this easy access account, with a daily cap on ATM cash using the bank card.
- A variable rate of 4% sits above the 3% median across the savings accounts listed here.
- Support runs by email, phone and help centre, and payments abroad arrive by bank transfer in Up to 2 business days.
Cons
- The rate is variable, so the 4% on offer is not locked to a term and can move down.
- Support runs on email, phone and help centre only, with no live chat listed for quick answers.
- It holds 3 currencies, which is narrow if you keep money in several currencies.
Who each suits
Current
Who it suits
- A teen in the US starting to set money aside, since the stated audience is teen.
- Anyone happy to manage saving in the app, since pods run on demand with no notice period.
- US savers paid in dollars, with transfers moving over us ach.
Who should look elsewhere
- Plazo ES, whose headline rate of 24.19% sits well above the 0.25% to 4% range here.
- AXI Card Tarjeta y Credito, listed at 21.59% if a higher headline number is the goal.
- PayPal Colombia, listed at 3.3%, for anyone shopping only on the headline rate.
Hakrinbank
Who it suits
- Students and teens, per student and teen, who want a starter balance in Suriname.
- Savers who prefer free withdrawals at any time to a fixed term or notice period.
- People comfortable with a variable rate, since 4% is not guaranteed ahead of time.
Who should look elsewhere
- Axi Card, if the priority is a headline rate of 21.59% rather than a savings balance.
- Plazo ES, which lists a headline rate of 24.19% against 4% here.
- PayPal Colombia, if you would rather hold a wallet balance, since its rate is 3.3%.
Current offers
Current
Current offer
Bonus
1% cash back on eligible Build Card purchases: 1% cash back
To earn Points you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period and make Build Card purchases at retailers whose merchant code is in the selected categories in the app; points expire 365 days after they settle
Source, checked September 26, 2026
Country by country
| Country | Current | Hakrinbank |
|---|---|---|
| Suriname | No | Yes |
| United States | Yes | No |
Questions about each
Current
What does it cost to run a Current account?+
The monthly fee is $0 and the model is no monthly fee, so there is no standing charge to watch. Bank transfers are listed as $0 - no bank transfer fees. The cost that does apply is currency conversion at 3%, which matters if money is held or spent in another currency.
How do I move money in and out?+
Transfers run over us ach, so money moves through the US system. Bank transfers carry $0 - no bank transfer fees, and the minimum deposit is $0.01, so a small transfer is enough to open a pod and add to it later.
Hakrinbank
What interest rate does the savings account pay?+
The savings account pays 4% and the rate type is variable, so the figure can move up or down rather than being fixed for a term. The account is easy-access, per easy access, which suits people who want savings reachable while interest still accrues.
What does it cost to hold the account, and how much do I need to deposit?+
There is a monthly fee of SRD 0 on the account, and the minimum deposit is SRD 100 to open it. Both sit at the affordable end for a starter savings product, so a young saver can begin without tying up much money.
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Related by the facts
Current
Hakrinbank