A current account is designed for operations: receiving salary, paying for purchases, making transfers, and withdrawing cash. A payment card is usually linked to it. Interest on the balance is either not accrued at all or is nominal.

The difference from a deposit is fundamental in purpose. A deposit is a savings instrument where the bank pays for the use of funds; a current account is a settlement instrument where the bank provides a service and may charge a fee for it.

An overdraft can be connected to the account — the ability to spend funds beyond the balance within a limit. In this case, the available amount no longer matches your own money, and you must distinguish between them yourself.

Practical consideration: a balance on a current account exceeding needs for the coming weeks loses purchasing power each month. Regular transfers of excess funds to a term deposit or short-term instruments is the simplest way to avoid this.