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Curve is a digital wallet that consolidates multiple debit and credit cards into a single physical card and app. It allows users to spend internationally with no foreign transaction fees, earn cashback, and manage their spending with features like 'Go Back in Time' and 'Anti-Embarrassment Mode'. It also offers a credit product called Curve Flex for installment payments.
Feature Matches4/15
See all4/15
Must Have
2 of 5
Transparent Low Fees
Borderless Debit Card
Mid-Market Exchange Rate Transfers
Multi-Currency Account
Fast Transfer Execution
Other
2 of 10
Mobile App
Regulatory Compliance
Batch Payments
API Integration
Real-Time Rate Alerts
Business Account Features
Invoice Creation
Spending Analytics
Multi-User Access
Customer Support
PricingTiered
See allTiered
Curve Pay
£0.00 monthly
- Unlimited cards in wallet
- Works with all Mastercard & Visa cards
- Works with Google Pay, Samsung Pay & Apple Pay
- Secure iOS & Android App
- Curve Customer Protection up to £100,000
- Section 75 protection up to £30,000 (for Curve credit cards)
- Anti-Embarrassment Mode: Say goodbye to declines
- Go Back in Time: move previous payments 3 trips up to 30 days
- Access to fee-free FX rates (additional fees may apply) Up to £250 per calendar month
- Smart Rules: decide which card spends when 2 rule
- Add your business cards (fees and limits may apply)
- Card Delivery Fee £5.99
- Fee-free foreign ATM withdrawals ✕
- Unlimited International Cashback (1% Cashback outside Europe) ✕
- Curve Cash: 1% Cashback (subject to limitations set out in our Fair Use Policy) ✕
- Discounted worldwide airport LoungeKey access ✕
Curve Pay X
£5.99 monthly
- Unlimited cards in wallet
- Works with all Mastercard & Visa cards
- Works with Google Pay, Samsung Pay & Apple Pay
- Secure iOS & Android App
- Curve Customer Protection up to £100,000
- Section 75 protection up to £30,000 (for Curve credit cards)
- Anti-Embarrassment Mode: Say goodbye to declines
- Go Back in Time: move previous payments 3 trips up to 60 days
- Access to fee-free FX rates (additional fees may apply) Up to £3,333 per calendar month
- Fee-free foreign ATM withdrawals Up to £300 per calendar month
- Smart Rules: decide which card spends when 5 rules
- Add your business cards (fees and limits may apply)
- Unlimited International Cashback (1% Cashback outside Europe)
- Curve Cash: 1% Cashback (subject to limitations set out in our Fair Use Policy) ✕
- Discounted worldwide airport LoungeKey access ✕
- Card Delivery Fee Free
Curve Pay Pro
£9.99 monthly
- Unlimited cards in wallet
- Works with all Mastercard & Visa cards
- Works with Google Pay, Samsung Pay & Apple Pay
- Secure iOS & Android App
- Curve Customer Protection up to £100,000
- Section 75 protection up to £30,000 (for Curve credit cards)
- Anti-Embarrassment Mode: Say goodbye to declines
- Go Back in Time: move previous payments Unlimited trips up to 90 days
- Access to fee-free FX rates (additional fees may apply) Up to £50,000 per calendar month
- Fee-free foreign ATM withdrawals Up to £500 per calendar month
- Smart Rules: decide which card spends when Unlimited
- Add your business cards (fees and limits may apply)
- Unlimited International Cashback (1% Cashback outside Europe)
- Curve Cash: 1% Cashback (subject to limitations set out in our Fair Use Policy) 6 selected retailers
- Discounted worldwide airport LoungeKey access ✕
- Card Delivery Fee Free
Curve Pay Pro+
£17.99 monthly
- Unlimited cards in wallet
- Works with all Mastercard & Visa cards
- Works with Google Pay, Samsung Pay & Apple Pay
- Secure iOS & Android App
- Curve Customer Protection up to £100,000
- Section 75 protection up to £30,000 (for Curve credit cards)
- Anti-Embarrassment Mode: Say goodbye to declines
- Go Back in Time: move previous payments Unlimited trips up to 120 days
- Access to fee-free FX rates (additional fees may apply) Up to £100,000 per calendar month
- Fee-free foreign ATM withdrawals Up to £1,000 per calendar month
- Smart Rules: decide which card spends when Unlimited
- Add your business cards (fees and limits may apply)
- Unlimited International Cashback (1% Cashback outside Europe)
- Curve Cash: 1% Cashback (subject to limitations set out in our Fair Use Policy) 12 selected retailers
- Discounted worldwide airport LoungeKey access
- Card Delivery Fee Free
Rationale
Curve offers a digital wallet that consolidates multiple cards into one, providing a physical card for spending and ATM withdrawals. It emphasizes 'no foreign transaction fees' and 'market-rate exchange rate' for international spending, which aligns with transparent low fees and mid-market exchange rates, although it's not a direct money transfer service like Wise. It also offers a mobile app and mentions regulatory compliance. However, it does not offer a multi-currency account in the same way Wise does, nor does it explicitly focus on fast international money transfers between different individuals/businesses, but rather on spending abroad from existing linked cards.
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