The idea of Curve may seem familiar, but you might be wondering how it actually works. Look no further. Curve is much more than just a bank card. We are a platform that connects and strengthens the cards you already own, to make them perform better together, improving your way of spending, saving, and managing your money.
When you download the Curve app, choose the Curve card that suits you best and fill your Curve digital wallet with your cards. Debit cards, credit cards, and even cryptocurrency cards are accepted*. You can even add your loyalty cards to have them all in one place. All the cards in your Curve wallet will be linked to your physical Curve card, allowing you to spend and withdraw money from any account with a single card.
Smarter than a digital wallet
Once you’ve added your cards to your Curve wallet, just select the card you want to use to pay in the app, then use your physical Curve card to make the payment. You can also start using Curve immediately by paying with your phone or connected watch. All the cards in your Curve wallet will be compatible with Google, Apple, Samsung, and Huawei devices, even if your bank or credit card does not yet support them. Having all your cards linked in one place makes your wallet lighter and simplifies your payments. But that’s not all. When you pay with Curve, you access a whole new world of control, knowledge, and security regarding your finances.
More control
The more you use Curve, the more you can do with your money.
Curve Flex: Free up money and control your cash flow with Curve Flex. You can go back and split almost any transaction from the previous year into installments. We will refund this transaction immediately and you can repay at your own pace, 30 days later, over a period of 3, 6, 9, or 12 months. Ideal for costly unforeseen events. And with a representative APR of 14.8%, you will repay less than with a traditional credit card.
Back in time: If you pay with the wrong card, you can literally go back in time and change the payment from one card to another, up to 30 days after the payment date. You can also go back and transfer past payments to your credit card if you need to free up funds in your current account.
Anti-shame mode: Put an end to payment refusals with anti-shame mode. You can set up backup cards. So, if the card you are trying to pay with is refused, we will automatically try your backup card.
More security
Curve offers you additional security for your money. Because you only have to carry one card, if you lose it, all your other cards remain safe. You can lock and unlock your Curve card instantly, so if it is lost or stolen, you only have to cancel and order one card, not your entire wallet. Plus, Curve offers you customer protection for your purchases up to £100,000. This means that if you are a victim of a scam or if an online order is not delivered to you, we can help you recover your money. Live notifications also help you detect fraudulent transactions in real time.
More knowledge
Are you still wondering where your money goes at the end of the month? Curve’s information gives you an overview with a timeline of all your expenses on each card in your wallet. We also provide you with a categorized detail of your expenses so you can budget better in the future.
Is Curve a debit card?
Yes. It’s a Mastercard debit card, which you can use like any other debit card, anywhere in the world where Mastercard is accepted. It does not block funds like a traditional bank card and there is no need to reload your card with each purchase. Since Curve is a debit card, you can use it to pay a credit card bill with another credit card using Curve Fronted. It’s simple - go to the app and activate “Curve Fronted” and we’ll take care of the rest. This incurs a 1.5% fee for Curve customers, but it’s free if you have Curve Metal.
Does Curve perform a credit check?
Curve does not perform a thorough credit check. A light credit check is performed to verify your identity and prevent fraud and money laundering. This will not affect your credit score.
How does Curve cashback work?
Shop with Curve and get an additional 1% cashback. All the cashback you earn will appear on your Curve Cash card, a virtual card in your Curve digital wallet. Your balance can be used automatically or you can disable auto-spend to save for a larger purchase. When you want to pay with your cashback, just select your Curve Cash card like any other card in your Curve wallet. 1 point = £0.01. The cashback obtained through a 1% cashback or promotional activity is given in points. The cashback obtained through rewards may vary. If a refund is made in Curve Cash, it will always be given in electronic money. Points can expire after 6 months, while electronic money is protected and never expires.
Upgrade your Curve experience to get even more cashback:
Curve Black: Get 1% cashback at 3 retailers, as long as your subscription lasts.
Curve Metal: Get 1% cashback at 6 retailers, as long as your subscription lasts.
Tip: To maximize your cashback with Curve Metal or Black, choose the retailers where you spend the most money, rather than those where you make the most purchases. For example, you might go to McDonald’s once a week and spend £10. But if you plan to buy a new Apple Mac laptop, you will earn more cashback on that transaction than on a whole year at McDonald’s. We know which Big Mac we prefer.
Can you trust Curve?
At Curve, we work hard to protect the security, privacy, and financial security of all our customers. We have a large team that ensures our systems are safe and secure for everyone. We designed Curve with your safety in mind. We do not store the numbers of your cards in our app or on your device.
As a financial institution regulated by the FCA based in the UK, we make sure to be cautious in everything we do. We must comply with strict regulations on anti-money laundering (AML), data protection (GDPR), and the payment industry (PCI-DSS), and we are regularly audited by third parties to ensure that we are properly protecting you.
Convinced by Curve? Download the app.
