Curve puts all your finances in one place by connecting your debit and credit cards to one simple app & beautiful card. Not a bank. But a revolutionary way to deal with your 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. Get many of the benefits from each of your underlying cards including loyalty points and rewards, 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 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 INSTANT CASHBACK
Curve rewards you for your everyday payments. Get 1% 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
SAVE ON FOREIGN EXCHANGE FEES
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 EMAILS 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.
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Ratings and ReviewsSee All
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.
Developer Response ,
Thanks for your review! Please let us know how we can improve your experience at firstname.lastname@example.org
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.
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Up to six family members will be able to use this app with Family Sharing enabled.