The Curve mobile banking app is here to supercharge your bank cards and redefine how you deal with money. Set up an account in minutes, then securely add all your Visa and Mastercard debit cards to your Curve Card app and use any of your bank accounts with just one Curve Mastercard. No top-up needed!
Manage your money in one place, get instant notification and lock your card with a single tap. Then the money magic starts… Get many of the benefits from each of your underlying cards, then receive Curve’s beneficial incredible benefits and features on top.
Curve’s killer exchange rates make spending money abroad worry-free, and if you wish you’d used a different bank card for a transaction, Curve allows you to change the card you used. There’s also Curve rewards where you can earn 1% cashback from a selection of 100+ retailers, with the money sent right to your Curve Cash card.
KING OF ALL CARDS - Curve gives you the financial freedom, simplifying your mobile banking experience by connecting your current, business and personal accounts to one smart card and an even smarter app. Curve’s game-changing app makes your mobile transparent, personalised, secure, rewarding and real-time.
USE YOUR CREDIT CARD AS A DEBIT CARD - Curve works in 30m+ Mastercard locations globally that support PIN or contactless payments. As Curve is a debit Mastercard, you can use it for spending money in places which don’t accept credit cards and then charge it to your credit card.
GO BACK IN TIME - Paid with the wrong card? Easy FIX. Curve lets you switch the bank card you used for purchases up to £1,000 and up to 14 days after your purchase.
EARN MONEY WITH 1% INSTANT CURVE CASH - Curve rewards you for your everyday payments. Get Curve Cash on your daily commute, your coffee with friends and family, your grocery shop and even your Netflix binge watch. Choose from a list of 100+ retailers to earn Curve Cash, including brands like Amazon, Uber, Spotify, John Lewis, Tesco, Sainsbury’s & more.
Don’t wait for your rewards to appear in your bank balance. Use Curve cash anywhere instantly. No points. No gimmicks.
If you choose Curve Black or Curve Metal, you receive Curve Cash for unlimited time - it pays to spend. ‘’The cashback rewards are really good. Money for nothing!’’- Sumeet, Curve Customer
GREAT TRAVEL BENEFITS
KILLER FX RATES - Curve banking gives you access to the interbank rate so you can spend money abroad easily. Plus you can enjoy fee-free ATM withdrawals abroad up to £600/month (weekend charges apply). Simpler, safer and cheaper travel money.
SPENDING NOTIFICATIONS & MANAGE YOUR MONEY AT A GLANCE - Get real-time spending notifications on all bank account activity so you always know what’s happening to your money. Curve instantly categorises each purchase to your spend timeline, whether you’re spending money at home or abroad, keeping track or trying to save, Curve’s here to help you manage your money.
IN-APP AND EMAIL RECEIPTS - After making payments with Curve, take a photo of the physical receipts, open the Curve app and attach it to transactions in-app. Or we’ll send you a handy receipt to your email.
LOCK YOUR CARDS WITH A TAP - If you lose your bank card (or you think you did), you can freeze it with a single tap in the app, and unlock it if you find it again.
CURVE CUSTOMER PROTECTION - Curve provides a layer of protection between you and unscrupulous sellers by offering the best purchase protection when you haven’t received your goods or services as promised. With Curve you’re covered for certain purchases up to £100,000, and our customer support is always there to help.
Welcome to the revolution. Download the Curve Card App today. www.curve.app
We've continued making improvements to the on-boarding user experience and squashed some bugs along the way!
Ratings and Reviews
Some great features
Generally I think this is a great concept only needing one card, although I generally use applepay which removes the need for me to carry any cards with me. The feature that I find the most useful is the ‘Go back in time’ which allows you to swap transactions on to a different card. The only reason that I gave 4 stars is that I have had 2 occasions in a short space of time where a transaction has been charged twice on my account because the terminal told me it had declined or I needed to insert the card even though it had already debited my account. Customer service takes about 2 days to get back to you and the response was that it would normally be refunded back within 10 working days. On these occasions they were small amounts, however if they were larger amounts that would cause me major concern. So all in all it’s useful but at times unreliable.
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.
Check payments being applied correctly and have alternate ready when travelling
I used Curve happily for a few months albeit I found it wasn’t accepted in some countries abroad -most recently in Cape Verde in Dec at all and in quite a few places in Norway in Jan - so you do still need to carry the underlying cards when travelling. I had been waiting for it to support Amex which is now not going to happen.
My problem came after some kind of update to the software in Jan which initially locked me out of the app (no problem I thought until sorted as had wallet on MasterCard which i use) - only to find out that with the patch to the software Curve itself had switched payment to use my bank Visa. Most of Jan/Feb taken incorrectly direct from bank whilst i was trying to remember to sort out Curve login. After several weeks of trying to resolve and complain with Curve I gave up.
My advice would be if using and on a tight budget- check daily that payments continue to be applied to correct card (mine did until they updated software). AND big one - bring an alternate payment method when travelling as Curve alone would have left us stranded.
Developer Response ,
Hi, thank you for taking the time to post your review.
We are very sorry to hear that you experienced declines whilst you were away travelling. You can use your Curve card anywhere in the world that accepts Mastercard so it disappointing to hear that this hasn't been the case.
The issues regarding your selected card being changed automatically in the app can sometimes occur if a manual change did not go through successfully due to poor mobile/wifi connection or a communication error with our server. Our team would like to know more about why these declines happened and to investigate why you card was changed following the system update. Can you please contact our Support Team on email@example.com, marking the subject of your email 'App Store Review - Follow Up'.
Up to six family members will be able to use this app with Family Sharing enabled.