Curve | Rule your money

Curve OS

About this app

WHAT IS CURVE?
Curve is a money super app that puts you firmly in control of your financial life. When you link your cards to Curve, your money is instantly supercharged with more rewards, insights, security, and control.

PAYMENTS MADE EASY
Link your bank cards to the app and your Curve card will act like a shapeshifter at checkout, morphing into whatever card you have selected in the app. Selected your credit card? We’ll charge that. Joint account? We’ll charge that. And to make things even easier, you can set up Smart Rules to pre-select which payments go on what card automatically. You never have to worry about paying with the wrong card because you can always Go Back in Time® and switch payments from one card to another after you’ve paid – yep, we’ve thought of everything.

NO FEES OVERSEAS
Take a holiday from fees this summer with no foreign transaction fees on any card you use abroad until September. Not even your credit card. So you can spend freely while you’re away and maximise your rewards along the way. We use the Mastercard exchange rate (just like Monzo) and don’t add a markup, so you’re always getting a fair exchange rate. And when you need cash, you can withdraw up to £200/month free too.

EARN CASH ON THE SIDE
Shop smarter with Curve Rewards. Get up to 20% cashback from supermarkets, hotels, takeaways, fashion brands and more. Any cashback you earn will go into a separate Curve Cash card in the app and you have 6 months to use it before it expires. You can build up cashback over time or spend it automatically whenever you have enough to cover the full cost of a purchase.

KNOW YOUR WORTH.
Always wondering where your money goes each month? Curve gives you 20/20 vision with all your balances in one place. Get categorised breakdowns of what you’re spending and where you’re spending it. Great for budgeting, terrible for learning how much you spend on coffee.

FREE UP MONEY ANYTIME
Need driving lessons, asap? Saw a great course you want to do? Maybe you just want to stress less about unexpected expenses? Curve Flex hands the control over to you so you can split old purchases to free up cash in the here and now. Simply select a transaction from the past year. We’ll refund you 100% and you can start paying it back at your own pace 30 days later. You can pay over 3, 6, 9 or 12 months – whatever works best for you.

PROTECT YOUR PURCHASES
Curve protects your purchases against fraud, scams and no-shows, up to £100K. Similar to Section 75 protection which you typically get with a credit card, Curve customer protection automatically applies to any card you have linked to Curve. As long as you pay with Curve, your purchase is protected so you can shop safer online, no matter what card the money comes from.

You need to be 18 years or older to sign up to Curve.

*Terms and privacy policy apply at www.curve.app. 0FX subject to caps and weekend charges. Cashback with selected retailers.

Ratings and reviews

Curve is a really cool concept, and while they have their issues (bugs), they're improving on them and new features have been added that weren't working before. My biggest complaint now is just that the app takes ~20 seconds to load each time.

UPDATE: They are removing the one defining feature of this service and putting it under a monthly subscription. Shameful [Old review] Fantastic service. Initially i thought the convenience of carrying 1 card was enough. But the automatic currency conversion when abroad saved me so many times, as does the move function between cards. Not to mention less hassle of it gets stolen.

The US version of the curve card was a credit card not a debit card which is highly disappointing. What a waste of a credit hard pull. The app is excruciatingly slow and buggy. For instance, Curve keeps asking me to verify my email, but everytime I try, the app keeps trying to change my email. I still need to test the card but if it is as disappointing as the app, this card and app will be trashed.