Curve | Supercharge your money 4+

One card to rule them all


    • Free

iPhone Screenshots


What is Curve?

Curve is not a bank. It’s a single card connecting all your debit cards and credit cards in one.

Supercharge your money with Curve

Pay from any account with just one card
Remember just one PIN
Go Back in Time® to switch payments from one card to another, up to 30 days after you’ve paid
Earn cashback on top of any rewards you get with another card
Eliminate foreign exchange fees from any card. Yes, even your credit cards.
Split any payment from the past year into instalments with Curve Flex
See what you’re spending across all your cards at once
Get live notifications
Manage your business expenses more seamlessly, with receipts and categories of spend
Make any card work with Apple Pay/Google Pay

All your cards in one

Add any Mastercard, Visa or Discover card to Curve. Pay with your physical Curve card, or add Curve to your phone or smartwatch for cardless payments on the go. If your bank or credit card doesn’t support Apple Pay or Google Pay – just add it to Curve and leave your wallet behind.

American Express not yet supported

Go Back in Time®

The power to switch payments from one card to another. A tiny time machine in your pocket. Whether you’ve accidentally paid with the wrong card or need to reshuffle your finances, you can always press rewind with Curve.

Curve Flex

The power to split almost any payment from the past year into instalments*. Free up money instantly and rework your budget at a moment’s notice.

*Subject to transaction eligibility and credit status

14.8% APR

Maximise your rewards

Earn cashback on top of any rewards you get with another card. All your cashback builds up on your Curve Cash card, a built-in rewards card in your Curve Wallet.

Travel benefits

Escape fees on all your cards when you travel. Banks and credit cards can charge as much as 3% every time you spend abroad. Add the same cards to Curve to avoid foreign transaction fees no matter what card you use. And you can withdraw up to £200/month with no foreign ATM withdrawal fees.

Sharper insights

The power to see your spending history across all your cards at once. Curve gives you 20/20 vision with all your account balances and spending history in one place. Get categorised breakdowns of your spending and get live notifications every time you spend to stop fraud in its tracks.

Extra security

Protect your money with an extra level of security. When you add your cards to Curve, you can lock and unlock your Curve card instantly in the app. And if it’s lost or stolen, you only ever have to replace one card. Curve Customer protection is similar to the section 75 protection you get with a credit card – but applies to any card you’ve added to Curve. So all your purchases can be protected against fraud.

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

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

What’s New

Version 4.5.0

It’s showtime – that major integration we’ve been teasing you about is now live to over 50% of UK customers. If it hasn’t landed in your app yet – sit tight, you won’t have to wait long.
We’re continuing to roll out Launchpad and have been fixing a few issues there this week. We’ve also been listening to your feedback and will be iterating on the UI in the coming months.
Lots happening in the background on credit – expect more on that in the next few weeks.
In minor news, we fixed a few pesky GBiT errors, bugs and deeplinks.

Ratings and Reviews

4.6 out of 5
15.9K Ratings

15.9K Ratings

S_Y_B ,

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!

Duberry34 ,

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

L33940 ,

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.

App Privacy

The developer, Curve, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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