Curve: General Information
Curve is a financial management platform that allows users to connect all of their debit and credit cards into one place, giving them the ability to track their spending, earn rewards, and manage their finances more easily. Curve's app conveniently aggregates all your bank cards in a single one and gives you smart ways to manage your spending, powered by it's modern mobile app.
The fintech was founded by Shachar Bialick back in 2015 who strives to make Curve the "Amazon of banking" by removing the need to dig through your wallet for the right card to use. Curve also offers customers numerous other benefits on top of its core card aggregation proposition. These include, but are not limited to: budgeting insights (thanks to automatic categorization of your payments), cashback, partner rewards and a lot more.
With an ambitious goal of becoming the one-stop-shop for managing your cards and related apps in a much simpler way. Does it succeed in doing that? Three of our in-house digital finance experts downloaded the Curve app, ordered their cards and we're ready to share a summary of their assessments in this Curve app review.
In this Curve card review, we'll explain how the service works in a simple step-by-step guide, go over various subscriptions (plans) available and provide you with a Curve plan comparison table. We'll conclude with a list of all benefits and drawbacks there are to using this service before finishing it off with a short summary and our verdict. For our visitors from the UK, we we also suggest taking the time to check out our Guide to Banking in the UK - this knowledge can save you money!
Curve cards are not only stylish, but also have an unusual shape.
But before we jump into the review, we have to mention that Curve was previously featured in the following features of our "Ratings, Guides & Featured Articles by Finance Experts" section:
Also read
Best Metal Cards from Banks in Europe
UK Banking: The Ultimate Guide to British Banks
Amazing Features in Banking AppsCurve: countries supported
Curve is available to residents of 30 countries.
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- UK
Curve Plans
In 2025 Curve replaced its old line-up (Curve, Curve X, Curve Black and Curve Metal) with four Curve Pay plans. Every plan keeps the core of Curve: one card in your wallet that spends from any of your connected debit and credit cards, with Apple Pay, Google Pay and Samsung Pay. The paid plans differ in how much you can spend abroad without a currency fee, how far back you can move a payment to another card (Go Back in Time), and cashback. Prices are the same in euros and pounds.
Curve Pay
No monthly cost
The free plan. Connect as many cards as you like, use Anti-Embarrassment Mode (a declined payment falls back to another card) and set up 2 Smart Rules. You can move 3 past payments to another card within 30 days. Spending abroad is fee-free up to €250 a month; above that Curve charges 2.99%, plus 1.5% at weekends. The physical card costs a delivery fee on this plan.
Curve Pay X
€5.99 / month
Pay X raises fee-free spending abroad to €3,333 a month, adds 1% cashback on spending outside Europe (online too) and lets you go back in time for up to 60 days. The physical card is free, and cash withdrawals abroad are fee-free up to €300 a month.
Bank Accounts for Individuals
Read our detailed reviews of personal bank accounts available at some of the world's most popular online banks, compare the plans they offer, explore their pricing and discover all the hidden fees.
Curve Pay Pro
€9.99 / month
Curve calls Pay Pro its most popular plan. Fee-free spending abroad goes up to €50,000 a month, Go Back in Time becomes unlimited for payments up to 90 days old, and cash abroad is fee-free up to €500 a month. You also get 1% cashback at 6 merchants of your choice, and international funding cards are fee-free up to €1,000.
Curve Pay Pro+
€17.99 / month
The top plan: €100,000 a month of fee-free spending abroad, Go Back in Time up to 120 days, fee-free cash abroad up to €1,000 a month, 1% cashback at 12 merchants, €1,500 a month of business card spending included, and airport lounge access. It has a 6-month minimum term.
All four plans are side by side in the comparison table below; its prices and fees come from our plan data. Interested in trying Curve? Get started with Curve Pay.
Curve: Plan Comparison Table
Pay
No monthly cost
Pay X
€5.99 / month
Pay Pro
€9.99 / month
Pay Pro+
€17.99 / month
Curve: plan comparison
| Feature | Pay€0.00 | Pay X€5.99 | Pay Pro€9.99 | Pay Pro+€17.99 |
|---|---|---|---|---|
| Price, per month | €0.00 | €5.99 | €9.99 | €17.99 |
| Commitment | – | – | – | – |
| Deposit protection | N/A | |||
| IBANs | – | – | – | – |
| Sub-accounts included | – | – | – | – |
| Shared accounts | – | – | – | – |
| Child accounts | – | – | – | – |
| Apple Pay | ✓ | ✓ | ✓ | ✓ |
| Google Pay | ✓ | ✓ | ✓ | ✓ |
| Samsung Pay | ✓ | ✓ | ✓ | ✓ |
| Other methods | – | – | – | – |
| Cards available | – | – | – | – |
| Cards included | – | 1 | – | – |
| Maestro/VPay | – | – | – | – |
| Debit cards | – | – | – | – |
| Credit cards | – | – | – | – |
| Virtual cards | ✓ | ✓ | ✓ | ✓ |
| Extra card fee | – | – | – | – |
| Replacement fee | €5.99 | – | – | – |
| Free replacements | – | – | 1 per year | 1 per year |
| Metal card | – | – | – | – |
| Wooden card | – | – | – | – |
| iDEAL | – | – | – | – |
| SOFORT | – | – | – | – |
| Bancontact | – | – | – | – |
| SWIFT (receive) | – | – | – | – |
| Foreign exchange fee | 2.99% | 1.00% | 1.00% | 1.00% |
| Currency fee-free limit | up to €250 /mo | up to €3,333 /mo | up to €50,000 /mo | up to €100,000 /mo |
| Daily limit | – | – | – | – |
| Free withdrawals, per month | – | – | – | – |
| After that, per withdrawal | €2.00 + 2.0% | €2.00 + 2.0% | €2.00 + 2.0% | €2.00 + 2.0% |
| Withdrawal fee abroad | – | – | – | – |
| Current account | – | – | – | – |
| Savings account | – | – | – | – |
| Deposit limit | – | – | – | – |
| Monthly spend limit | – | – | – | – |
| Overdraft | – | – | – | – |
| Investments in-app | – | – | – | – |
| Crypto trading | – | – | – | – |
| Cheques | – | – | – | – |
| Cashback | – | ✓ | ✓ | ✓ |
| Insurance | – | – | – | – |
| Lounge access | – | – | – | ✓ |
| Transaction categorization | – | – | – | – |
| Purchase protection | ✓ | ✓ | ✓ | ✓ |
| Round-up savings | – | – | – | – |
| Budgeting features | – | – | – | – |
| Deals & discounts | – | – | – | – |
| Other benefits | – | – | – | – |
Prices per month. Verify current pricing and terms at curve.com.
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How To Use Curve
Using Curve is insanely easy - we've tested it, it will not take you more than 5 minutes to get used to it once you download the Curve app. However, Curve is a unique service and the benefits sometimes sound "too good to be true", so a little explanation would be helpful. Which is why our experts created a simple step-by-step chart to assist our readers.
Download the Curve app
Available on both iOS and Android, the app can be downloaded by following the links in our review.
Choose the plan and card you want
Don't worry - this selection can be changed at any time, and the card itself is free (but for free plan users, card delivery will cost £4,99). Luckily, you can just use a virtual card that is free for all users. After all, this card can be used with Apple Pay, Google Pay and Samsung Pay just fine.
Add your cards
Just scan your cards to upload them to your new digital wallet. Don't worry - Curve uses cutting-edge security mechanisms while your funds are covered for up to £100'000 thanks to customer deposit protection every licensed financial institution has.
Pay like you normally would
Pay with your physical card or keep using your phone to do contactless payments - whatever suits you. That's it! You can now enjoy all the benefits of your chosen plan: cashback, "Go Back In Time", fee-free foreign ATM withdrawals and a lot more!
Curve: Pros & cons
Advantages
- Works with any bank it is an app that will salvage your situation when you're committed to a bank (say, by having a mortgage) that is stuck in middle ages.
- Centralize everything Using one card for air miles, another for digital purchases and a third one for cheap ATM withdrawals is smart. Curve adds convenience to the mix.
- Go Back In Time Bought an airline ticket using the wrong bank card and missed out on a ton of miles? Not an issue.
- Anti-Embarassment Mode Set up a backup card and you'll never find yourself franticly going through a heap of cards with a queue behind you.
Downsides
- American Express? "Unfortunately not", says Curve at least for now.
- But the banking apps? Curve solves the wallet-too-thick problem, though we can't help but ask: could we only need just one banking app for all our financial needs from different providers?
Frequently Asked Questions
How long does it take for Curve card to arrive?
Average delivery time for the Curve card is 3-5 business days. This can, however, vary based on your location. The delivery is free of charge if you're on any of the plans with a monthly subscription cost, but it will cost free plan users £4,99 (or local equivalent).
Which countries is Curve available in?
Curve is available for UK residents and anyone who lives in any of the 30 EEA (European Economic Area) countries.
Is there a limit to "Go Back In Time" feature?
There are two limits: time frame and total amount. Time frame limit varies by plan, starting at 30 days with the free subscription and is capped at 120 days for the "Curve Metal" plan. The maximum transaction amount is set at £5'000.
Which cards does Curve support?
Curve supports all major debit and credit cards: Mastercard, Visa, Diners Club and Discover. Unfortunately, American Express cards are not supported by Curve yet.
Does Curve has Apple or Google Pay?
Yes, Curve card can be easily added to Apple Pay, Google Pay and Samsung Pay. However, Google & Samsung restrict availability of their services to select countries - make sure to check the local app store's Curve app listing to find out.
Summary: Is Curve worth it?
UK is home to some of the biggest and the most promising neobanks and financial services companies like Europe's biggest digital bank Revolut and Monese mobile bank. After experiencing how Curve works, we can confidently state that Curve successfully solves the issue of having too many bank. If this is something you struggle with, we would recommend you to at least give it a try. The basic subscription is also completely free and will give you a full understanding of what's Curve about, and "Go Back in Time" is for sure an outstanding feature (and not only because of its name!).
Our experts' final assessment is this: while the Black & Metal subscriptions are slightly overpriced for all but the heaviest bank card users, they can still be extremely beneficial and cost-efficient for some people. Ultimately, whether or not the Curve app is worth it will depend on the individual user's financial needs and goals. For those who frequently travel or make a lot of overseas purchases, the ability to use their card without incurring additional fees could be a major selling point. Similarly, those who are looking to earn cashback or other rewards on their everyday spending might find the Black or Metal plans more appealing. And the metal card by Curve is surely quite a fashion statement!
Overall, the Curve app is a solid choice for anyone looking to streamline their finances and make the most of their spending. Its wide range of features and customizable plans make it a versatile tool that can meet the needs of a variety of users.
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