A great app for anyone who has more than a few cards, and might want to

Curve allows you to link your existing debit and credit cards to a single Mastercard debit card, meaning you only need to carry one card. When you make a payment using your Curve card, the transaction is processed as a purchase on your linked card. You can use the physical card sent by post or set up Curve in Apple Pay, Google Pay, or Samsung Pay to pay with your phone. You can set a default card or select a card through the app before making a payment.

While many features of Curve can be replicated by a digital wallet like Apple Pay, Curve offers several distinctive features that enhance its utility.

Key Features

Fee-Free Overseas Spending (With Limits): Curve allows you to use your existing cards overseas without fees on weekdays, using the Mastercard exchange rate. Each month, Curve offers at least £250 of fee-free spending. However, ATM withdrawals incur a charge of £2 or 2% per withdrawal, whichever is higher. Warning: Exceeding these limits results in a 2.5% fee per transaction above the limit (£2 minimum for cash withdrawals). An additional 1% mark-up is applied on weekends and bank holidays for both spending and ATM withdrawals.

Use Credit Cards Where They're Not Accepted: Since Curve is a debit card, it can be used in places where credit cards are not accepted. This is beneficial for users with rewards credit cards, though it's important to note that American Express is not supported.

Get cashback on everyday spending: with Curve cashback, you can choose up to 12 retailers and obtain 1% cashback in Curve Cash.

Go Back in Time: Curve's “Go Back in Time” feature lets you move transactions from one card to another up to four months after the purchase (with a maximum of £5,000 per transaction). This is useful for correcting mistakes or managing your credit limit.

Anti-Embarrassment Mode: This feature allows you to set a backup card in case your primary card is declined. While convenient, users should be cautious as it might lead to unnoticed debt if the initial decline was due to credit limit issues.

Real-Time Notifications and Spending Insights: Curve provides instant notifications for every transaction, offering immediate visibility into your spending. The app also categorizes expenses and provides detailed analytics, helping you track and manage your finances.

Enhanced Security: Curve offers robust security, including the ability to lock the card instantly via the app. The app uses encryption and tokenization to protect your financial data, ensuring a high level of security.

Performance and User Experience

Ease of Use: The Curve app is user-friendly, with a clean interface that makes it easy to add cards, select the active card for payments, and review transactions. The physical Curve card is sleek and well-designed, fitting comfortably in any wallet.

Customer Support: Curve offers responsive customer support through in-app chat and email. While response times are generally quick, some users have reported delays, especially during peak times.

Compatibility: Curve is compatible with most Visa and Mastercard debit and credit cards. However, there are some limitations with certain card issuers and features like American Express support, which was available in the past but is currently not supported.