Curve Card Review 2024: Manage All Your Cards in a Single Card


Imagine managing all your cards – debit, credit, and even gift cards – with just one card and an app. This is what Curve Card does. It allows you to manage all your cards via a single card through Curve Card app. You will never have to carry all your cards around anymore. Curve works with both your personal and business physical and virtual cards, and it is available to residents of the US, UK, and EU, supporting cards in various currencies. In this comprehensive Curve card review, we will look at how it works, its features, fees, and more.

What Are the Benefits of Curve?

Curve card comes with a number of features that make it very useful to its users. They include:

  • Consolidate your cards in one place: Add debit, credit, and even gift cards to your Curve app, eliminating the need to carry a heavy wallet.
  • Real-time transaction tracking: Monitor your spending across all cards in one place.
  • Foreign transaction fee-free spending: There’s no foreign transaction fees when you use your cards abroad.
  • Go Back in Time: If you accidentally use a wrong card, you can switch payments from one card to another up to 120 days after you’ve made a purchase.
  • Curve Cash rewards program: Choose your favorite retailers and earn cashback on purchases with those specific merchants.
  • Anti-Embarrassment mode: Set a backup card so your transaction never gets declined due to insufficient funds on your primary card.
  • Integration: You can link PayPay, Google Pay, Apple Pay, Samsung Pay to your Curve card.
  • Curve Frontend: This is a feature built into the Curve card that allows you to use your underlying credit card to pay at merchants that normally wouldn’t accept credit cards, like bill payments or rental car deposits. However, there is a 2.5% service fee for using this feature.
  • Curve Flex: This feature allows you to convert past transactions made with any card linked to your Curve account into instalments up to 12 months later.

How Curve Works

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Curve allows you to make transactions from any of your accounts using just one card, the curve card. You simply add eligible Visa, Mastercard, Diner, or Discover debit, gift card and credit cards to the Curve app and start spending using just the Curve card. Transactions made using Curve card are classified as eCommerce transactions. Curve card supports Visa and Mastercard debit and credit cards as well as Apple Pay, Google Pay and Samsung Pay.

Unfortunately, Curve does not support American Express as a result of Amex’s decision to terminate its contract with Curve. The company continues to work on bringing back Amex support but at this point in time, there are no any updates. Other cards that Curve does not support include Maestro, Diners Club, JCB or UnionPay cards.

How to Open a Curve Account

First, download the Curve app which is available for Android and iOS. Then, verify your phone number and email address, after which you will need to provide your personal details including your country of residence. Next is to choose the type of card you want to order.

After you have successfully created your account, you will be able to generate Curve virtual cards immediately, combine all your payment cards into a single card and make payments online instantly while waiting for your Curve physical card.

You can order Curve in the Curve app by tapping the “Account” tab on the bottom part of the screen. You will then be able to select the “Order a physical card” option and choose your delivery address. You will receive your Curve physical card in 3-5 business days. Fortunately, Curve virtual card can be generated instantly.

After choosing your cards, use your phone’s camera to scan and upload details of the cards you wish to connect to Curve. Alternatively, you can enter these details manually. The first card to add on Curve must be a UK or European Economic Area issued debit or credit card. You can add non-EEA/UK cards once you receive your Curve Card.

You can add your Curve card to digital wallets such as Apple Pay, Google Pay and Samsung Pay. A selection of Curve cards can also be used with Garmin Pay, Fitbit Pay and Wena Pay.

After receiving your Curve card, you will need to activate it in the app. To do so, go to the “Account” tab and tap “Activate your card”. Then, enter the last four digits of your Curve card and the card will be ready to use.

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Curve Card Crypto

You can buy cryptocurrency using your Curve card through merchants like BANXA, Bitpanda, Coinbase,, Kraken, Moonpay, and Uphold. While Curve facilitates these transactions, remember that your underlying payment card issuer might restrict cryptocurrency purchases, leading to potential declines. If faced with a declined transaction, a simple switch to another underlying payment card could resolve the issue. Please note that Curve Customer Protection doesn’t cover cryptocurrency transactions.

While Curve doesn’t support direct cryptocurrency spending, you can integrate crypto cards such as Coinbase or cards into your Curve wallet, treating them like any other payment card. However, cash withdrawals from ATMs aren’t possible with the Coinbase or cards.

Curve also offers a bitcoin rewards program, allowing you to link tyour existing credit or debit cards with rewards to their Curve card. This program rewards you with bitcoin on top of your existing rewards.

Curve Card Fees

The Curve Standard account has no monthly fees. However, Curve card verification fee is £1 which is later refunded. There are no Curve Card charges for linking payment cards to your Curve account. Apart from the free Curve Blue plan, there are three paid-for Curve subscriptions:

Curve PlanMothly Fees
Curve StandardFree
Curve X£5.99
Curve Black£9.99
Curve Metal£17.99

Other fees and rewards include:

  • Curve verification fee. There is a Curve card verification fee, which is refundable. To verify your payment cards, Curve will charge your card a small amount (less than 1.5 GBP) and then immediately refund the charge. It will be reflected on your bank statement within 3-5 working days.
  • It’s free to use your Curve Mastercard for Curve card UK
  • Spending up to £1000 oer month attracts zero foreign transaction fees on weekdays. However, you will pay a 0.5% fee on weekends or a 1.5% fee for currencies other than euros and dollars
  • There are 10 free debit card ATM withdrawals after which £0.50 will be charged per withdrawal
  • You will get free credit card withdrawals up to £200 per month after which you will be charged 2% per withdrawal
  • Foreign ATM withdrawals of up to £200 per month are free. Curve Card pricing for foreign ATM withdrawals after that amount is £2 or a 2%
  • There’s Curve card weekend fee. If you make a withdrawal or purchase abroad over the weekend, Curve will use the currency conversion rate from Friday and apply a surcharge as the Forex markets are closed. The weekend counts as Friday 23:59 GMT – Sunday 23:59 GMT (or Saturday 00:59 BST – Monday 00:59 BST).

Curve Card Limits

Curve imposes spending limits to promote responsible usage across all Curve cards. These limits are set on daily, monthly, and yearly spending and withdrawal amounts. As users engage with their Curve account over time, these limits may increase, reflecting continued activity. Checking your current spending limits is straightforward. By opening the Curve app and navigating to the “Account” tab, you can access the “Card limits” section. Here, you can select “See details” for a comprehensive breakdown of your Curve spending limits.

Should they have any inquiries regarding their spending limits, they can directly engage with Curve’s support team within the app. Additionally, users have the option to enhance their spending limits by completing the identity verification process.

Supported Countries

Curve is available in the USA and for United Kingdom (excluding Crown Dependencies: Jersey, Guernsey and the Isle of Man) and EEA residents, making it available in all the 30 countries of the European Economic Area, which are Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

Supported Currencies

Curve is not a bank and therefore, there are no Curve currencies to choose from for your account. You will only be able to link your existing Mastercard and Visa bank cards in the Curve app to the Curve card in whatever currency these cards are in. Curve supports cards in the following currencies: USD, RON, NZD, GBP, JPY, PLN, SGD, CNY, EUR, BRL, AUD, INR, USD, HRK, RUB, NOK, HKD, ISK, ZAR, CAD, SEK, HUF, DKK, BGN, CHF, ILS, and CZK.

Note that when you select a currency not supported by Curve, your card will be charged in GBP.

Curve Customer Support

Curve has a friendly customer support team. In case of any problem or request, you can reach the team via Curve Card email; or through the Curve app. For a straightforward case, the support team usually has one month to respond and longer for a complicated request. However, if your request is repetitive or excessive, the support team can charge a reasonable fee or refuse the request.

Is Curve Safe? Is Curve Legit?

Since Curve is not a bank, there is no Curve account where you can put your money. However, your money stays protected through the protection schemes of the banks in which your money is held and whose cards you link to Curve. Curve card is authorised in the UK by the Financial Conduct Authority to issue electronic money.

Curve also has its own customer protection policy which covers most purchases of up to £100, 000. If there is a problem with a purchase you made and the problem is not resolved, Curve will raise a dispute on your behalf and you will receive a chargeback. The Mastercard chargeback rights also protect Curve users by giving refunds in case goods are damaged, not as described or a merchant ceases trading. However, for UK customers, FSCS protection does not apply to the funds held on your Curve Cash Card.

Additionally, Curve does not share your information with card retailers during transactions and your card numbers are not stored in the app. Instead, your information is encrypted to ensure safety. Customer Reviews

As of February 2024, Curve card boasts over 10,000 customer reviews on Trustpilot, garnering an average rating of 3.4 out of 5 stars. Curve earns praise for its convenient card management within a single app, simplifying spending tracking and reducing wallet clutter. The “Go Back in Time” feature, allowing post-purchase transaction switching, is widely appreciated. Some users find the rewards programs appealing, especially with premium plans, and commend Curve’s customer service for its responsiveness. However, criticisms include the limited features of the free plan, occasional technical glitches, unexpected fees, and inconsistencies in customer service quality.

Is Curve Card Good for You?

Curve card can be worth it for you for several reasons. Firstly, if you struggle with managing multiple cards and desire a simple solution, Curve’s consolidation feature may be beneficial, allowing you to condense all your cards into one. Additionally, Curve’s convenience-enhancing features, such as real-time transaction tracking and the Go Back in Time feature, can simplify your financial management and make transactions more straightforward. If you are looking for rewards, Curve plans offer cashback incentives and other perks.

However, it’s crucial to weigh these benefits against any associated fees, including subscription costs for premium plans and potential foreign transaction fees. Lastly, consider Curve’s customer service reputation, as responsive and helpful support may be essential for addressing any issues or concerns.

Curve Card Alternative

Many companies have tried to offer similar solution without success. One of such companies is Plastc that was launched in 2014. Curve is the leading, fully-functional solution at the moment.

The following are alternatives to Curve card.

Virtual Cards Alternatives

If you want to secure your debit card information, you can use virtual cards, which are highly secure. The following are online banks that provide virtual cards.

More Information

  • Curve card contact number +44(0)2033222585 (24/7)
  • Curve card email:
  • Curve card Reddit

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