Curve vs Currensea

Updated On: Sep 13, 2021
Curve vs Currensea  - Which is better

Below, we compare two popular payment cards  - Curve and Currensea.‍


Curve gives you the power to spend money from any of your accounts using just one card, whilst Currensea works as a Direct Debit travel card that you can link to your personal bank account and use to save on FX fees when travelling abroad.


Use the tabs below to learn more about the differences between Curve and Currensea.

Curve LogoCurrensea Logo

Curve - Spend money from any of your accounts using just one card.

How does Curve work?

Curve declutters your wallet by effectively merging your payment cards into one.

It allows you to access your spending history at any time and notifies you with every payment to help keep track of your finances.

‍Simply download the Curve app, select your preferred card to activate it and pay instantly.

Top features

Combined Cards

  • Curve gives you the power to switch between and activate various payment cards at any time.
  • Compatibility with Google Pay, Apple Pay and Samsung Pay means you can make purchases using your smartphone.
  • With Curve, you can go back in time up to 90 days and move an already processed payment to a different card if you initially paid using the wrong card.
  • Use any of your active payment cards to send and receive money from your Curve wallet to anyone via Curve Send.
  • Use Curve to pay your credit card bills or UK taxes.


Spending Insights

  • Receive instant notifications every time you pay to help track your finances in real-time.
  • Take advantage of Curve’s 360 view across all accounts at a single glance.
  • Receive colour-coded, categorised breakdowns of your overall spend for a clearer insight into your purchasing habits.


Save Money

  • Enjoy fair exchange rates and fee-free ATM withdrawals when you travel abroad with Curve.
  • Earn 1% cashback from up to six retailers of your choice. For Curve blue members, this is available as an introductory offer lasting 30 days.

Click here to learn more.

How much does Curve cost?

It’s free to download the Curve app and get started with Curve. 


Then, Curve has three subscription plans to choose from.


Curve Blue

Cost: Free 

Top Features: 

  • Combine all of your payment cards in one place.
  • Understand your spending habits better with Curve’s spending insights. 
  • Access to fair foreign exchange rates up to £500/month and fee-free foreign cash withdrawals up to £200/month.
  • Access to the ‘Go Back in Time’ feature allows you to move 90-day old payments of up to £5,000.
  • Samsung Pay + users can enjoy 5% cashback for purchases made on Samsung's website.  


Curve Black

Cost: £9.99/month

Top Features: 

  • Earn 1% cashback with 3 selected retailers for an unlimited time.
  • Gain unlimited access to fair exchange rates and fee-free foreign cash withdrawals of up to £400/month.
  • Worldwide travel insurance.


Curve Metal

Cost: £14.99/month

Top Features: 

  • Gain unlimited access to fair exchange rates and fee-free foreign cash withdrawals of up to £600/month.
  • Earn 1% cashback with 6 selected retailers for an unlimited amount of time.
  • Worldwide travel insurance and discounted airport LoungeKey access.
  • Waiver insurance for rental car collisions.
  • Mobile phone insurance.
  • Personalise your Curve Card by choosing between a red, blue or rose gold 18g premium metal card.

Click here to learn more about Curve's pricing.

Is Curve regulated by the FCA?

Yes, Curve is authorised and regulated by the Financial Conduct Authority (FCA) to carry out payment services activities. Have a look at their regulatory permissions on the FCA Register

Does Curve connect to my bank account?

Yes, in order to access and pay with various cards via the Curve app, you need to connect Curve to your bank account(s).

Is Curve safe?

According to Curve, your I.D. and card details are protected, and your bank details are not shared with any retailers you purchase from.


Curve adheres to the GDPR (General Data Protection Regulation) and PCI DSS (Payment Card Industry Data Security Standard), which endeavours to keep your personal data, along with the payment systems you use, safe.


‍Curve also offers customer protection of up to £100,000 to cover you for fraudulent activity, faulty goods, failed refunds and more.

Can you withdraw money from Curve?

Yes, you can withdraw cash from your Curve card at any ATM that supports Mastercard Cards.

Does Curve have a Referral Scheme?

Yes. Earn Curve Cash by referring your friends and family. For each successful referral, you get 30 additional days of 1% cashback across all your spending with Curve. This is also cumulative, so for each extra person you sign up who uses Curve, you'll receive an extra 30 days of 1% cashback to enjoy!

How do I get the Curve card?

Visit Curve’s website here.

Currensea - Save on FX fees when travelling abroad with the Currensea card

How does Currensea work?

Currensea is a Direct Debit travel card that you can link to your personal bank account and use to save on FX fees when travelling abroad. Depending on your chosen Currensea plan, you could save anywhere from 85% to 100% on FX fees worldwide.


Currensea conveniently connects to your bank account through Open Banking, so there is no need to prepay, top-up or create a new bank account when you sign up for a Currensea card.


Simply download the Currensea app and select your preferred plan or request a Currensea card to get started.

Top features

Currensea has two offerings - Currensea Personal and Currensea Business.


Currensea Personal

With your Currensea card, you can:


Save Money

  • Save at least 85% per transaction with Currensea’s Essential Plan, which is only 0.5% above the FX base rate on all purchases.
  • Save 100% on FX fees per transaction when using Currensea Premium and Currensea Elite.

Pay In Any Currency

  • Worldwide acceptance with Mastercard lets you spend using your Currensea card in all 180 currencies. Your transaction will go through without added fees and at the real-time rate once your bank confirms you have the funds available.

Access Spending Insights

  • Receive instant notifications on the Currensea app and emails every time you spend to help track how much you have saved and contributed per transaction.

Connect Bank Accounts

  • With Currensea, there is no need to pre-pay, top-up or create a new bank account. Currensea conveniently links to your current account so that you can start saving money instantly.

Give Back

  • Select an amount to contribute to your chosen environmental charities that work to plant trees or remove plastic bottles.


Currensea Business

  • You can open up a free business account with Currensea to benefit from 24/7 interbank exchange rates and zero payment fees when spending in any currency. 
  • Currensea works with your existing business account through Open Banking, which means no new bank account or prepaid card is required.
  • Contractors, freelancers and those who are self-employed can also sign up to Currensea Business, as long as they have online access to the account that they use for business purposes and meet the general requirements. Read about Currensea Business eligibility requirements on the Currensea Website

Click here to register for your Currensea Business card.

How much does Currensea cost?

It’s free to download the app and get started with Currensea. 


Then, Currensea has three subscription plans to choose from.


Currensea Essential

Cost: £0/year

Top Features: 

  • Charges only 0.5% above the FX base rate on all purchases, saving you at least 85% per transaction.
  • Fee-free foreign ATM withdrawals up to £500/month, with a 1.5% FX fee on withdrawals over £500.
  • Advanced Security and Purchase Protection, meaning you can receive spend notifications, freeze or unfreeze your card at any time and set spending limits. You’ll also have Mastercard chargeback protection.
  • Worldwide acceptance with Mastercard lets you spend using your Currensea card in all 180 currencies.
  • Free delivery of your Mastercard Debit Card. 


Currensea Premium

Cost: £25/year

Top Features: 

  • 0% FX fees on all purchases, saving you 100% per transaction.
  • Fee-free foreign ATM withdrawals up to £500/month, with a 1% FX fee on withdrawals over £500/
  • Currensea Premium Card holders get access to Preferred Hotel and Resorts, with a complimentary nights stay when booking 4+ nights.


Currensea Elite

Cost: £120/year

Top Features: 

  • Fee-free foreign ATM withdrawals up to £750/month, with a 1% FX fee on withdrawals over £750
  • Access to Elite Concierge by “Ten” offering 24/7 concierge services, with luxury benefits including access to premium restaurants across the world, priority booking at the UK’s top dining destinations, popular sports and theatre ticket access and more.
  • Access to over 1,100 lounges in over 400 airports around the world with LoungeKey.
  • Luxury Hotel and Resort benefits, including popular hotel chains Shangri-La, Park Hyatt and Jumeirah. Receive complimentary breakfast daily, room upgrades, early check-in and check-out and more.
  • Avis President Club Membership. 


Currensea business has separate pricing plans. Click here to learn more.

Is Currensea regulated by the FCA?

Yes, Currensea is authorised and regulated by the Financial Conduct Authority (FCA) to carry out payment services activities. Have a look at its regulatory permissions on the FCA Register

Does Currensea connect to my bank account?

Yes, in order to access and pay using your Currensea card, you need to connect Currensea to up to two bank accounts.

Is Currensea safe?

According to Currensea, it offers the same level of protection as your bank when keeping your information safe. Please note that Currensea accounts are not covered by the Financial Services Compensation Scheme (FSCS).

Can you withdraw money from Currensea?

Yes, you can withdraw cash from your Currensea card at any ATM that accepts Mastercard.

For withdrawals over £500 per month, a total mark up of 2% is applied on the exchange rate for the Essential Plan, and 1% for the Premium Plan and Business or Freelance customers. For those on the Elite Plan, there is only a 1% exchange rate mark up on withdrawals over £750 per month.

Does Currensea have a Referral Scheme?

Yes. For each successful referral, you and the friend you refer will receive £10 when they spend their first £100 in foreign currency within 120 days of opening their Currensea account. Your referral code or link can be accessed through the mobile app or Currensea website.

How do I get the Currensea app?

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