Supercharge your cards by adding them to Curve. Securely add all your Visa and Mastercard debit cards and credit cards - Barclays, HSBC, Santander, Monzo, Starling, Revolut and more - to your Curve App, and spend from any of your accounts using just one Curve Mastercard. No top-up needed!
See all your spend in one place, get instant notifications, and the ability to lock your card with a single tap. Then the magic begins... Get many of the benefits from each of your underlying cards then Curve’s incredible benefits and features on top.
Curve eliminates your underlying card’s currency fees to make all your cards 0FX. If you change your mind and wish you’d used another card, Curve allows you to Go Back In Time and change the card you used. Oh yeah, and there are also rewards. With Curve you earn 1% instant cashback from a selection of 100+ retailers, loaded instantly into your Curve Cash card.
ALL YOUR CARDS IN ONE - Curve simplifies your financial life by connecting your accounts to one smart card and an even smarter app.
Curve’s game-changing app upgrades your banking experience making it transparent, personalised, secure, rewarding and real-time.
NO TOP UP - Curve works completely without top ups.
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 at 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 card you paid 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 spend. Get Curve Cash on your daily commute, coffee and lunch, grocery shop and even your Netflix binge watch. Choose from a list of 100+ retailers to earn Curve Cash, including leading brands Amazon, Uber, Spotify, John Lewis, Tesco, Sainsbury’s & more.
Don’t wait for your rewards to appear in your bank balance. Spend Curve Cash anywhere instantly. No points. No gimmicks. And yes, it could mean double rewards!
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
AMAZING TRAVEL BENEFITS
SAVE ON FOREIGN TRANSACTION FEES WITH ZERO FX - When you travel with Curve, you can spend your money on luxury and adventures, not fees. Curve eliminates hidden bank fees (weekend charges may apply). Plus you can also enjoy fee-free ATM withdrawals abroad up to £600/month (depending on your Curve card). Simpler, safer, cheaper travel spend.
INSTANT NOTIFICATIONS & ANALYSE YOUR SPENDING AT A GLANCE - Get real-time spending alerts on all account activity so you always know what’s happening with your money. Curve instantly categorises and adds each purchase to your spend timeline. If you're spending at home or abroad, keeping track or trying to save, Curve’s here to help.
IN-APP AND EMAILED RECEIPTS - After you have made a payment with Curve, take a photo of the physical receipt and attach it to the transaction in-app. Or we’ll send you a handy receipt straight to your email.
LOCK YOUR CARD WITH A TAP - If you lose your card (or think you did), you can freeze it with a single tap in the app, and unlock it later if you find it again, all in real time.
CURVE CUSTOMER PROTECTION - Curve offers you the best purchase protection. Curve Customer Protection protects you when you haven’t received goods or services as promised. With Curve, you’re covered for certain purchases up to £100,000. Curve fills in the gaps Section 75 leaves you with and provides an added layer between you and unscrupulous sellers.
Download Curve and get your card today.
We've continued making improvements to the on-boarding user experience and squashed some bugs along the way!
Ratings and Reviews
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.
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.
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 firstname.lastname@example.org, 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.