Curve Card Review 2023: Manage All Your Cards in a Single Card

Curve card allows you to manage all your debit cards, credit cards and gift cards in a single card through an app. You will never have to carry all your cards around anymore. Curve works for both your physical and virtual cards. It is available to US, UK and EU residents and supports cards in many currencies. This Curve card review will look at how it works, its features, fees, etc.

Curve is a UK fintech company founded in 2015 by Shachar Bialick. It currently has more than 500,000 customers across Europe. The company secured seed funding of $2 million in December 2015. It raised more than $7 million through crowdfunding in 2019. A beta version for iOS users in the business community was launched in February 2016. In December 2016, Curve app for Android users was launched. At Wired Money in 2017, Curve was judged the winning startup by a panel of three judges.

How Curve Works

Curve allows you to make transactions from any of your accounts using just one card, the curve card. You simply add eligible Visa, Mastercard, Diners 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 is a simple app with a combination of features making it highly convenient to use. When you sign up for an account, you become the sole owner. This means that you have complete control over it. Curve card supports Visa and Mastercard debit and credit cards as well as Apple Pay, Google Pay and Samsung Pay.

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.

How to Set Up 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.

Sign Up for Curve

What Are the Benefits of Curve?

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

• Pay with your Curve card: When paying, you can choose the card you want to pay with from the app.
• Paying with Curve on your phone: You can hook up your Curve card to Apple Pay, Samsung Pay, or Google Pay to go card-free.
• Setting Up Cure card cashback: Choosing retailers is a one-time thing. You cannot undo the choice you make.
• Smart Rules. This is a new feature, which lets you pre-select where payments go. For instance, you can decide which payments should automatically come from a joint account, or payments over 100 GBP to be charged on your credit card only.
• Go Back in Time: This feature allows you to correct transactions gone wrong. For example, if you made a transaction with a wrong card.
• Timeline: Curve insights, alerts, and notifications show what, when, and where you have spent.

Curve Frontend

Curve Fronted allows you to pay with your Curve debit card by deducting money from your an underlying credit card where merchants don’t accept credit cards. You will be charged a 1.5% service fee for this feature. However, Curve Metal subscribers aren’t charged a fee for the first £10,000.00 they spend. The 1.5% service fee will apply on the total transaction value in excess of the limit.

Curve Card Crypto

You can use your Curve card to buy cryptocurrency from the following merchants: BANXA, Bitpanda, Coinbase, Crypto.com, Kraken, Moonpay, and Uphold.

You can’t spend cryptocurrency directly with Curve. However, Curve supports Coinbase and Crypto.com cards so you can add these to Curve if you have one. Curve treats these cards like any other payment card added to your Curve wallet. The only exception is that you cannot withdraw cash from ATMs when the Coinbase or Crypto.com Curve card is selected as your underlying payment card.

How to Use Curve Card

How to Order Curve 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.

Adding Cards to Curve

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.

Activating your Curve Card

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.

Curve Card Fees

The Curve Blue account is free to setup. 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:

• The Curve X for £4.99 per month
• The Curve Black plan for £9.99 per month
• The Curve card Metal plan for £14.99 per month

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 Amex. Why did Curve card Amex stop? A very small number of Amex Card Members participated in the test. Based on the results, we communicated to Curve that we would not participate in the further roll out of Curve because of concerns related to the overall American Express Card Member experience. Subsequently we terminated our contract with them.

Curve Card Limits

Curve has set limits on how much you spend or withdraw in a day, month, or year. Curve spending limits and Curve withdrawal limits improve with time and continued activity on your Curve account. The Curve free account (Curve Blue plan) offers the following standard starting limits:

• Daily Curve spending limit: £2,000 in the UK and €2,400 in the Eurozone
• Daily Curve withdrawal limit: £200 in the UK and €240 in the Eurozone

If you sign up to Curve Black/Curve card Metal personal or business card, your limits will be higher than those of the Curve Blue card.

• Daily Curve spending limit: £3,750
• Daily Curve withdrawal limit: £1,000

Curve 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.

Curve 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; support@curve.app 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.

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.

Curve.com Reviews

On Curve Card Trustpilot reviews, most Curve customer reviews rated it as excellent, praising the app for its ability to carry one card around at any time while others were satisfied with Curve card customer service. However, out of about 2000 Curve reviews, 11% of the reviews rate it as below average. Those who gave a low rating complained about Curve’s slow customer service. It was rated 4.2 out of 5 stars.

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.

• VitraCard
• Fuze Card (a smart card device, not an actual card)
• Lanistar (not yet officially launched)
• Max Card (France)

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.

• Monese
• Transferwise Borderless, now Wise Multicurrency
• Revolut
• N26
• Bunq

Final Thoughts Curve Review 2023

Curve allows you to go about your daily routine with just one card instead of carrying all your cards all the time. The app combines multiple cards in one card, making it perfect to use when travelling. You can also use Curve virtual card to shop online safely. Additionally, the ability to lock the card in case you lose it adds to its security, making it the ideal card for you.

More Information

• Curve card contact number +44(0)2033222585 (24/7)
• Curve card email: support@curve.com
• Curve card Reddit

Sign Up for Curve