Curve | Rule your money 4+

Control | Insights | Rewards


    • Free

iPhone Screenshots


Automatically Convert Your Cashback Into Crypto
Opt in and earn 1% cashback for 3 months in your choice of 10 tokens including BTC, ETH, ADA, DOT, & AAVE.


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.


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.


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.


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.


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.


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.

14.8% APR


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 0FX subject to caps and weekend charges. Cashback with selected retailers.

What’s New

Version 3.76.0

This release includes minor bug fixes, and we've laid down the foundations for cool upcoming features.

Ratings and Reviews

4.6 out of 5
14.4K Ratings

14.4K 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 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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like