Current Referral Code “SALEHR958” (2026): $100 for You and a Friend
Current pays 100 dollars to each side of a referral, which puts it among the largest symmetrical joining bonuses in consumer banking. The condition is not a deposit you make yourself but a payroll direct deposit, and that single detail decides whether this offer is easy money or completely out of reach for you. If your pay goes into your bank by direct deposit and you are willing to redirect some of it, this is one of the better offers available. If you are paid any other way, it is not available at all.
Terms verified against Current’s referral program terms and conditions, effective 18 September 2025, checked 7 October 2026. Current has published multiple versions of these terms, so confirm the live figures before signing up.
What It Pays
- You, as the new user: 100 dollars.
- The person who referred you: 100 dollars.
The referrer is capped at 1,000 dollars per calendar year in referral rewards, so ten successful referrals a year is the ceiling.
The Only Condition That Matters
To trigger the reward, the new user must open a Current Individual Account and receive an Eligible Payroll Deposit of 200 dollars or more within the first 45 days of opening the account.
Two words there do all the work.
“Payroll.” This means an Automated Clearing House direct deposit from an employer, payroll provider or government payer. It is not a bank transfer you make from another account. Pushing 200 dollars in from your existing checking account will not qualify, no matter how many times you do it. This is the single most common reason bank bonuses like this fail.
“45 days.” Generous compared with most, and the clock starts at account opening. For someone paid fortnightly, 45 days covers roughly three pay cycles, so there is room to get the payroll change processed. For someone paid monthly it is tighter than it looks, because payroll changes often take a full cycle to take effect.
Once a qualifying deposit lands, the reward should be paid to both accounts within ten business days.
A Note on Conflicting Terms
Worth flagging honestly. Current has published several versions of its referral terms, and they differ materially. The version currently in force, effective 18 September 2025, specifies 100 dollars each side with a 200 dollar payroll deposit inside 45 days. Other published versions have specified different amounts and a substantially higher deposit requirement over a shorter window.
That is not unusual for a bank running rotating promotions, but it does mean you should read the terms linked from the offer you actually click rather than trusting any figure quoted elsewhere, including here. Screenshot them at sign-up. If the terms change before your bonus posts, that screenshot is the only record of what you were offered.
How to Claim It Step by Step
- Open the referral link above, or enter code SALEHR958 during sign-up.
- Open a Current Individual Account and complete identity verification.
- Note the opening date. Your 45 day window runs from here.
- Change your direct deposit with your employer or payroll provider so at least 200 dollars arrives as payroll into the Current account. You do not have to move your whole salary; a partial direct deposit of 200 dollars or more is enough.
- Confirm the deposit arrived as payroll, not as a transfer. Current’s app labels deposit types.
- Expect the 100 dollars within ten business days of the qualifying deposit.
The Partial Direct Deposit Trick
Most people assume this kind of offer means moving their entire banking relationship, and decide it is not worth the upheaval. It usually does not.
Most payroll systems allow splitting a direct deposit across multiple accounts, often by fixed dollar amount. Routing 200 dollars per pay cycle to Current while the rest continues to your main bank satisfies the requirement without disrupting anything. Your rent still comes out of the same account it always has.
Check your payroll portal for a split-deposit or multiple-account option. If your employer only supports one destination account, then this offer genuinely does require moving your primary deposit, and it becomes a bigger decision.
What You Are Actually Joining
A bonus is only worth having if the account is worth keeping, and Current is a reasonable product rather than a bonus vehicle. There are no mandatory monthly or annual account fees and no overdraft fees.
The feature most relevant to the deposit requirement is that the same payroll deposits unlock other things. Fee-Free Overdraft activates with at least 200 dollars in eligible payroll deposits over 35 days plus a positive account history, which is the same threshold as the bonus. Savings Pods pay a boosted rate tied to payroll volume, and Paycheck Advance offers up to 750 dollars with no mandatory fees.
So the direct deposit you set up for the bonus is also what makes the account useful afterwards. Our Current review covers where those features are genuinely good and where the caps limit them.
Frequently Asked Questions
How much is the Current referral bonus?
100 dollars to the new user and 100 dollars to the referrer, under the terms effective 18 September 2025.
Can I just transfer 200 dollars from another bank?
No. It must be an Eligible Payroll Deposit, meaning an ACH direct deposit from an employer, payroll provider or government payer. A personal transfer does not qualify.
Do I have to move my whole paycheck?
No. 200 dollars or more is the requirement. Most payroll systems let you split a deposit, so you can send 200 dollars to Current and keep the rest where it is.
How long do I have?
45 days from opening the account. Start the payroll change immediately, since it often takes a full pay cycle to take effect.
When does the money arrive?
Within ten business days after the first qualifying payroll deposit.
Is there a limit on how many people I can refer?
No limit on referrals, but the referrer is capped at 1,000 dollars per calendar year.
Does a government benefit payment count?
The terms include government payers in the definition of an eligible payroll deposit, so a qualifying government direct deposit of 200 dollars or more should count.
The Bottom Line
This is a strong offer with one hard gate: it must be a real payroll direct deposit of 200 dollars or more within 45 days, and no amount of transferring your own money will substitute. If you can split your direct deposit, which most payroll systems allow, you can collect 100 dollars without disturbing your existing banking at all. Start the payroll change the day you open the account, screenshot the terms, and confirm in the app that the deposit registered as payroll rather than a transfer.
