Curve Credit Card Review 2025 : Check Pros & Cons

Managing multiple bank cards can be bit difficult, but Curve simplifies the process by combining all your cards into one app. If you are spending in the UK or abroad, Curve allows you to switch between different payment methods effortlessly while reducing foreign transaction fees compared to traditional high street banks.

Curve was launched in 2016. Since its launch, it has grown rapidly, attracting millions of users with its innovative payment approach. Backed by major investors like Santander InnoVentures and Investec, Curve is more than just a payment card. It’s a budgeting tool, expense tracker and financial companion.

This Curve Credit Card Review article explores everything you need to know about the curve credit card, How its works, major pros and cons etc.

What is Curve?

Curve is a smart payment app that allows you to link multiple debit and credit cards into a single platform. Instead of carrying multiple cards, users can spend using just one Curve Card, selecting which link card to charge through the app. 10 Best Start up Business Credit Cards

Curve was founded in 2015 by serial entrepreneur Shachar Bialick. It quickly gained popularity for its innovative approach to card payments. The company launched its beta version in 2016 and expanded across Europe by 2018, reaching 250,000 customers who collectively spent over £500 million using the service. Today, Curve has a user base of over 4 million people worldwide.

Curve has received investments from prominent firms, including:-

• Santander InnoVentures
• Investec
• Oxford Capital
• Breega Capital

Other prominent investors include Taavet Hinrikus (TransferWise CEO & co-founder) and Ed Wray (Betfair co-founder).

Key Benefits of Curve

• Consolidates multiple cards into one for seamless payments
• Reduces foreign transaction fees, making it ideal for travelers
• Helps with budgeting by tracking spending across all linked accounts
• Offers cashback rewards at select retailers
• Provides financial flexibility with features like “Go Back in Time”

How Does Curve Work?

Curve allows you to link multiple debit and credit cards into one smart card, making payments simpler and more convenient.

• To use Curve, you need to download the Curve app from iTunes or Google Play and order your Curve Card through the app.
• After signing up with your email address, you can log in using either a Magic Link sent to your email or a password.
• Once logged in, you can add your existing Visa or Mastercard debit and credit cards by scanning them or entering the details manually.

When you purchase with the Curve Card, the payment is processed through Curve and charged to your selected linked card. One of its key features is instant spending notifications, which help you track your transactions in real time. 5 Best Student Credit Cards UK

Moreover, Curve provides a categorised breakdown of your spending, similar to budgeting apps like Revolut and Monzo. However, unlike these, Curve is not a bank, it does not hold your money but simply routes payments through your chosen card.

This makes managing multiple accounts easier and also gives you extra benefits like reduced foreign transaction fees and the latest spending tools.

Curve Card Features

Curve offers a range of innovative features that help users manage their spending, earn rewards, and make payments more flexible.

Curve Cash & Rewards

Curve users can earn 1% cashback on purchases made at selected retailers, depending on their Curve plan. Cashback is credited to a Curve Cash account, which can be used for future purchases.

This feature is especially beneficial for those who frequently shop at partner stores, making everyday spending more rewarding.

Go Back in Time

One of Curve’s standout features is “Go Back in Time,” which allows users to move transactions from one card to another within 120 days of the original purchase.

This is useful if you accidentally paid with the wrong card or want to shift spending to a different account for better budgeting or cashback benefits.

Curve Fronted

With Curve Fronted, users can pay credit card bills, HMRC tax payments, or other transactions using another credit card within the Curve app.

This can be a convenient way to manage finances, a 2.5% fee applies for certain Curve plans after a set limit.

Spending Insights & Budgeting Tools

Curve provides detailed spending insights, categorizing transactions into colour-coded sections to help users understand where their money is going.

With instant spending notifications, users can track expenses in real time, making it easier to stick to a budget.

These features make Curve a powerful tool for those looking to simplify payments, earn rewards, and manage their finances more effectively. 5 Best UK Travel Credit Cards

Curve Account Types & Fees

Curve offers four different account plans, each with its own set of features and pricing. Whether you are looking for a free basic plan or a premium membership with added perks, Curve has options to suit different spending needs.

Here is a list of the available plans and their costs:-

Curve Free

The standard Curve plan comes with no monthly fee and allows users to link up to two payment cards.

It includes one smart rule to control spending and allows ATM withdrawals of up to £200 per month abroad without a Curve fee.

Users can also spend up to £1,000 in foreign currencies without exchange fees, though out-of hours charges may apply.

Curve X

For £4.99 per month, Curve X offers more flexibility by allowing users to link up to five payment cards and set five smart rules for spending.

It also doubles the foreign currency spending limit to £2,000 per month without Curve’s exchange fees.

However, similar to the free plan, out-of-hours foreign exchange fees may still apply.

Curve Black

Priced at £9.99 per month, Curve Black provides unlimited card linking and unlimited smart rules, making it a great choice for frequent travelers and heavy spenders.

Users enjoy unlimited foreign currency spending on weekdays without Curve exchange fees and can also start earning Curve Cash rewards on eligible purchases.

Curve Metal

The premium Curve Metal plan, costing £14.99 per month, includes all the benefits of Curve Black, plus exclusive perks like a premium metal card, travel insurance, and airport lounge access.

This plan is ideal for users who want a luxury banking experience with additional travel benefits.

Comparison of Features & Pricing

Curve’s account plans cater to different spending habits, from casual users who want basic card-linking and foreign exchange benefits to frequent travelers looking for added rewards and premium perks.

While the free plan offers limited functionality, paid plans provide higher spending limits, better foreign exchange rates, and extra perks like cashback and insurance.

Pros and Cons of Curve Credit Card

Managing multiple cards can be challenging but Curve makes it easier by bringing them all into one smart app and card.

Here is a quick look at the main pros and cons of the Curve Credit Card to help you decide if it’s the right fit for you:-

Pros	Cons
✅ Combine multiple debit and credit cards into one	❌ No FSCS protection for Curve Cash balance
✅ Move payments to another card within 120 days	❌ Amex cards not supported
✅ Stay updated on every transaction	❌ Limited features on the free plan
✅ Earn 1% at select retailers with eligible plans	❌ Android app has lower user ratings (3.1 on Play Store)
✅ Save money while spending abroad	❌ Curve Fronted has fees beyond certain limits
✅ Helps manage your money better	❌ Limited card linking on free and lower-tier plans
✅ Includes insurance and lounge access	❌ Monthly fees for premium plans can add up

Curve Card app features and ease of use

Curve works through its app and the linked Curve Card. The app is key to the whole experience.

On the Apple App Store, it has a solid rating of 4.6 out of 5 stars from over 15,000 users. However, on Google Play, the rating is a bit lower at 3.1 out of 5, based on 50,000+ reviews.

More than 1 million people have downloaded the app from the Play Store alone, so you’ll be joining a large user base. If you are thinking about trying Curve, it’s a good idea to download the app and explore it yourself to see how it fits your needs.

Is the Curve Card safe in the UK?

Yes, Curve is designed with strong security features. It uses bank-level security to protect your details. When you add a new card, Curve asks you to verify it to make sure it’s really yours. You can also manage all your linked cards in the app and easily lock or unlock your Curve Card whenever you need it.

However, it’s important to know that any money stored as Curve Cash (the cashback you earn) isn’t covered by the Financial Services Compensation Scheme (FSCS), unlike money held in traditional UK bank accounts.

Requirements to open an account with Curve

To open a Curve account and get a card, you must live in the UK or the European Economic Area (EEA).

You also need to have a debit or credit card that works with Curve. Most cards from Visa and Mastercard are accepted, but American Express (Amex) cards can’t be added at the moment.

Conclusion

If you are looking for a smart way to manage all your cards in one place, Curve is definitely a great option.

It’s easy to use, comes with helpful features like instant notifications and spending insights, and offers added perks like cashback and fee-free foreign spending depending on your plan.

Hope this article is helpful for you. If you have any questions, please write them in the comments section.