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Curve Card Review

Updated On:
May 25, 2022
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Curve Card Review

How does Curve work?

Curve card review - app screenshots

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.

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.
  • Curve works with all MasterCards and Visa cards to cover you for most retailers globally.
  • 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.
  • Receive complimentary travel insurance with both premium Curve cards, and complimentary phone insurance and discounted lounge access on Curve Metal.


Other Features

Anti-Embarrassment Mode

  • If when paying for something your primary card gets declined, Curve will automatically cover the payment if there is a backup card set up on your account that has enough funds to cover the transaction. You won’t have to pull out your wallet or switch cards manually in Apple/Google/Samsung Pay.

Personalised Rewards

  • The Rewards section of your Curve app gives you access to various discount and cashback rewards that are tailored to you. Current options include £80 off at Dell, 20% off at Pasta Evangelists, and many more.


How much does the Curve card 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 collision.
  • Mobile phone insurance.
  • Personalise your Curve Card by choosing between a red, blue or rose gold 18g premium metal card.

Is Curve regulated by the FCA?

Yes, to carry out payment services activities.

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 app?

Download the Curve app here.

Tags: Open Banking App

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