Curve Card Review 2021

Curve card allows you to manage all their bank cards, credit cards and rewards cards in a single card through an app. It is available to UK and EU residents and supports cards in many currencies. It does not charge any fee on foreign spending. Curve comes with several features including spending insights, instant cashback at selected retailers, competitive exchange rates, “go back in time feature”, etc. The app also has several security features that ensure customer funds are protected.

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 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.

Curve does not support American Express, Maestro, Diners Club, JCB or UnionPay cards. It doesn’t matter if your card is virtual or physical – you shouldn’t have any problem with adding it to your Curve Wallet.

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.


How to Set Up a Curve Account

First, download the Curve app which is available on the App Store or Google Play Store. 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.

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. You will receive your Curve card in 3-5 business days. Your first Curve card 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.

Other features that make it easy to use Curve 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.
  • Timeline: Curve insights, alerts, and notifications show what, when, and where you have spent.
  • Go Back in Time: This feature allows you to correct transactions gone wrong. For example, if you made a transaction with a wrong card.

Curve Card Fees

The Curve Blue account is free to setup. However, identity verification costs £1 which is later refunded. Linking payment cards to your Curve account is also free. Apart from the free Curve Blue plan, there are two paid-for Curve subscriptions; the Curve Black plan (£9.99 per month) or the Curve card Metal plan (£14.99 per month).

It is free to use your Curve Mastercard for Curve card UK. Making purchases of up to £500 per month abroad is free 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. You will pay £2 or a 2% fee after that amount.

Curve Card Limits

Curve has set limits on how much you spend or withdraw in a day, month, or year. The spending and 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 spending limit: £2,000 in the UK and €2,400 in the Eurozone
  • Daily 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 spending limit: £3,750
  • Daily withdrawal limit: £1,000

Curve card refunds: Card refunds are not processed by retailers in real-time. Curve usually receives them 1-5 working days after the have been requested. You will then be able to get your money back straight to your payment card or to your Curve Cash account.

Curve Supported Countries

Curve card USA: Curve card is not yet available in the US. However, the company plans to launch the product in the US soon. Join Curve card US waitlist.

Curve is available 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 card Australia and Curve card Canada: At the moment, there’s no confirmed date for Curve’s expansion to Australia and Canada.

Curve Supported Currencies

Curve is not a bank and therefore, there are no 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: 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; [email protected] 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?

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 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 Customer Reviews

On Trustpilot, most Curve customers rated it as excellent, praising the app for its ability to carry one card around at any time while others were satisfied with its customer service. However, out of about 2000 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

If you don’t hold multiple cards, the following are Curve card alternatives you can try out.

Final Thoughts Curve Card Review

Curve allows you to go about your daily routine with just one card instead of carrying all your cards all the time. The app has no hidden fees, making it perfect to use when travelling. Additionally, the ability to lock the card in case you lose it adds to its security, making it the ideal card for you.

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Research: daisy

Daisy Neema is a graduate of Chuka University. She is a prolific writer and researcher and has an interest in finance. She also loves writing about businesses and startups.