Curve | Supercharge your money 4+

Amazing product got even better with Apple Pay

Amazing product got even better with Apple Pay. Have been using Curve since 2018 (I was one of the early adopters) and not once have I regretted signing up. I’ve used both in this country (UK) as well as many countries abroad. Every single time, the transactions have been flawless. With competitive foreign exchange rates and 0% commision, what’s not to love? The ability to swap between cards and to “go back in time” all using only one card and app is genius. With Apple Pay now up and running, there really is no reason to carry any cards with you. And as there’s no transaction limits using Apple Pay, you can spend confidently in most places that accept contactless payments for pretty much any transaction. In the past 12 months I’ve spent nearly £28K using Curve (you can check in app) and not once have I had reason to complain. Oh and the cashback that Curve offers its Curve Black customers at 3 of your chosen outlets mean that I’ve accumulated nearly £120 in the past 12 months. Brilliant brilliant product. Recommend 100%

Developer Response ,

Hi there, thank you for your detailed review. We're so pleased that you're enjoying using Curve for the last two years!

Great when it works

This is a great idea I love that I can use one card. However HSBC took umbrage to the fact all transactions were in the same place. Not curves fault but it seriously erodes your trust. Imagine being in Tesco and it declines or in a restaurant. It was (do not honour) and hsbc also blocked my normal cards. You have to go in branch to sort out. This then happened again until HSBC apologised and said it won’t happen again. They paid £100 compensation. With Curve refunds didn’t make sense but now they have fixed this. It does bother me if you get a decline where you have to pay like a restaurant. You look like a fool. Also certain transactions get blocked because curve class it as high risk but if its me that’s initiated the transaction I should be able to press a button and then try again as I’ve personally approved it. The app seriously needs to be a universal one. It’s still iPhone only and doesn’t look right on an iPad. It’s really frustrating. Also the fees are all over the shop. If you withdraw £20 15 times abroad over a week and weekend there are literally 5 different ways it could pan out with fees albeit very small. Would it not be better to charge 0.5% on everything and have no cash withdrawal fees and no weekend rate it would be far simpler. Stop copying revolut.

Update: Still have no ipad app just the crappy iphone only one.

Developer Response ,

Thanks for your review! Please let us know how we can improve your experience at support@curve.app

Fantastic , ignore the silly reviews

App is the online counterpart to the curve card. You can add Visa or Master cards to it to use as the underlying source of funds for the Curve card. App shows almost all transactions instantly and has a rewind feature incase you want to change the underlying card for a previously made transaction. If you were invited to the closed beta for Amex cards then those work too, essentially letting you use your Amex in places that don’t usually accept it. Those of us who were early adopters still have the beta curve rewards with cash back options on places such as Marriott, though I hear anyone who applies now will only have an introductory cashback period with select retailers.

Ignore those who are saying that the app is a scam that takes your money. These people do not seem to understand what a pre authorisation charge is. When you add a new card it will hold £1 or £2 for a short time and release this back to you a few days later at most. It will do this to each new card you attach and is common practice.